Super Fun 21 Calculator: Liberal Rules with a Catch

Super Fun 21 offers player-friendly rules—double on any cards, late surrender, split aces receive multiple cards—but blackjacks only pay even money (except diamond blackjack at 2:1). Our calculator reveals when liberal rules outweigh the blackjack penalty and optimal surrender strategy.

What Is Super Fun 21?

Super Fun 21 is a blackjack variant with extremely liberal rules: double on any number of cards, late surrender on any hand, split aces get full play, and six-card 21 automatically wins. The catch: blackjack pays 1:1 instead of 3:2, except blackjack in diamonds which pays 2:1.

Quick Answer: Super Fun 21 = liberal rules, even-money blackjack. Diamond blackjack: 2:1. Regular blackjack: 1:1 only. Late surrender anytime. Double any cards, any time. Six-card 21 auto-wins. Split aces get multiple cards. House edge: ~0.94%. Surrender strategy critical.

How to Use Our Calculator

Use the Super Fun 21 Calculator →

Calculate optimal strategy with liberal rules and surrender options.

Step-by-Step Instructions

1. Enter Your Hand: Cards dealt

2. Enter Dealer Upcard: Showing

3. Check Surrender Option: Always available

4. View Optimal Play: Best decision

5. Calculate EV: Expected value

Input Fields Explained

Field	Description	Example
Your Hand	Cards dealt	10♠6♦
Dealer Up	Showing	A♣
Card Count	Number	2
Surrender EV	If surrender	-0.50
Play EV	If continue	-0.47
Decision	Optimal	Hit
House Edge	Game edge	0.94%

Rule Breakdown

Player-Friendly Rules

Liberal rules in Super Fun 21:

1. Double on any number of cards
   (Not just first two)

2. Late surrender on any hand
   (Even after doubling/splitting)

3. Split aces receive multiple cards
   (Not limited to one card each)

4. Resplit to 4 hands allowed
   (Including aces)

5. Six-card 21 auto-wins
   (Beats dealer 21)

6. Player 21 always wins
   (Beats dealer 21)

The Blackjack Penalty

Blackjack payout reduction:

Standard blackjack: 3:2 ($15 on $10)
Super Fun 21: 1:1 ($10 on $10)

EXCEPT diamond blackjack:
A♦ + 10♦ = 2:1 ($20 on $10)

Impact calculation:
BJ frequency: ~4.8%
Value lost: ~2.3% per BJ

This is significant!

Six-Card 21 Bonus

Six-card auto-win:

Any six cards totaling 21:
Automatic win, even vs dealer 21

Example:
2-3-4-4-4-4 = 21 in 6 cards
WINS vs dealer blackjack

Adds ~0.1% value
Rare but exciting

Five-Card 21 Bonus

Five-card 21 bonus:

Five cards totaling 21:
Pays 2:1

Less than six-card auto-win
But better than standard 1:1

Worth ~0.3% value
Chase with small cards

Strategy Modifications

Surrender Strategy

Late surrender value:

Available on ANY hand
Even after hitting
Even after doubling

Key surrenders:
Hard 15 vs 10/A
Hard 16 vs 9/10/A
Hard 17 vs A (some versions)

More surrender = lower edge

Double Down Strategy

Multi-card doubling:

Can double on 3, 4, 5+ cards
Opens new opportunities

Examples:
Hit 8, get 3 = 11, double!
Split, hit, get 9 = 11, double!

More doubling situations
Adds player value

Split Strategy

Liberal split rules:

Split aces, hit more cards
Normal play on split aces
Resplit to 4 hands

This is huge:
Standard: Split A gets one card
Super Fun: Full play on each A

More aggressive splitting

Soft Hand Changes

Soft hands strategy:

Double more often:
Soft 17 double vs 3-6
Soft 18 double vs 3-6

Surrender less often:
Soft hands have two values
Hit is usually better

Liberal double rules favor action

Real-World Examples

Example 1: Diamond Blackjack

The premium payout:

Hand: A♦ K♦ = Blackjack

All diamonds = 2:1 payout!

$25 bet:
Regular BJ in Super Fun: +$25
Diamond BJ: +$50

vs Standard blackjack:
Standard 3:2: +$37.50

Diamond BJ beats all!

Example 2: Late Surrender

Using the liberal surrender:

Hand: 10♠ 6♦ vs Dealer A

Standard BJ:
Cannot surrender after peek
Or must decide before peek

Super Fun 21:
Surrender available anytime!
Return $12.50 on $25 bet

EV of surrender: -50%
EV of playing: -52%
Surrender saves 2%

Example 3: Multi-Card Double

Doubling after hitting:

Initial: 5♠ 3♦ = 8
Hit: 3♣ = 11
Now: Three-card 11

Standard BJ:
Cannot double (already hit)

Super Fun 21:
Double is AVAILABLE!
Strong position vs dealer 6

$25 bet, double to $50
Great opportunity

Example 4: Six-Card 21

The auto-win bonus:

Hand progression:
2♣ + 3♦ = 5
+ 4♠ = 9
+ 4♥ = 13
+ 5♣ = 18
+ 3♠ = 21

Six-card 21!
AUTOMATIC WIN

Even if dealer has blackjack
Or dealer 21
You win regardless

House Edge Analysis

Edge Breakdown

Super Fun 21 edge sources:

Blackjack 1:1: +2.27% to house
Diamond BJ 2:1: -0.16% to house
Six-card 21: -0.10% to house
Five-card 21: -0.34% to house
Player 21 wins: -0.20% to house
Late surrender: -0.07% to house
Double any: -0.21% to house
Split aces play: -0.25% to house

Net house edge: ~0.94%

Comparison to Standard

Game comparison:

Standard 6-deck BJ: 0.50%
Super Fun 21: 0.94%

Super Fun is WORSE
Despite liberal rules

Blackjack payout is huge
1:1 vs 3:2 = ~2.3% difference

When It's Worth It

Super Fun 21 advantages:

More exciting gameplay
Liberal surrender saves hands
Diamond BJ potential
Multi-card strategy depth

Trade-off:
~0.44% more house edge
For entertainment value

Complete Strategy Chart

Hard Totals

Hand | 2  3  4  5  6  7  8  9  10 A
-----|-----------------------------
8    | H  H  H  H  H  H  H  H  H  H
9    | D  D  D  D  D  H  H  H  H  H
10   | D  D  D  D  D  D  D  D  H  H
11   | D  D  D  D  D  D  D  D  D  D
12   | H  H  S  S  S  H  H  H  H  H
13   | S  S  S  S  S  H  H  H  H  H
14   | S  S  S  S  S  H  H  H  H  H
15   | S  S  S  S  S  H  H  H  R  R
16   | S  S  S  S  S  H  H  R  R  R
17   | S  S  S  S  S  S  S  S  S  S

H=Hit, S=Stand, D=Double, R=Surrender

Soft Totals

Hand  | 2  3  4  5  6  7  8  9  10 A
------|-----------------------------
A-2   | H  H  H  D  D  H  H  H  H  H
A-3   | H  H  D  D  D  H  H  H  H  H
A-4   | H  H  D  D  D  H  H  H  H  H
A-5   | H  H  D  D  D  H  H  H  H  H
A-6   | H  D  D  D  D  H  H  H  H  H
A-7   | S  D  D  D  D  S  S  H  H  H
A-8   | S  S  S  S  S  S  S  S  S  S
A-9   | S  S  S  S  S  S  S  S  S  S

Pairs

Pair | 2  3  4  5  6  7  8  9  10 A
-----|-----------------------------
2-2  | Sp Sp Sp Sp Sp Sp H  H  H  H
3-3  | Sp Sp Sp Sp Sp Sp H  H  H  H
4-4  | H  H  H  Sp Sp H  H  H  H  H
5-5  | D  D  D  D  D  D  D  D  H  H
6-6  | Sp Sp Sp Sp Sp H  H  H  H  H
7-7  | Sp Sp Sp Sp Sp Sp H  H  H  H
8-8  | Sp Sp Sp Sp Sp Sp Sp Sp Sp Sp
9-9  | Sp Sp Sp Sp Sp S  Sp Sp S  S
10-10| S  S  S  S  S  S  S  S  S  S
A-A  | Sp Sp Sp Sp Sp Sp Sp Sp Sp Sp

Common Mistakes

1. Ignoring Blackjack Penalty

Mistake: Expecting 3:2 payouts Problem: Only 1:1 (except diamonds) Fix: Adjust expectations and strategy

2. Not Using Surrender

Mistake: Never surrendering Problem: Missing free value Fix: Surrender poor hands vs strong

3. Forgetting Multi-Card Double

Mistake: Only doubling initially Problem: Missing opportunities Fix: Double any time it's favorable

4. Not Chasing Six-Card 21

Mistake: Standing too early Problem: Missing auto-win Fix: Hit with 5 small cards

Frequently Asked Questions

Is Super Fun 21 better than regular blackjack?

No—0.94% house edge vs ~0.50%. The liberal rules don't fully compensate for even-money blackjacks. But it's more exciting.

What's special about diamond blackjack?

Pays 2:1 instead of 1:1. Only hand that beats standard blackjack 3:2 payout. About 1 in 19 blackjacks will be all diamonds.

How valuable is late surrender?

Saves about 0.07% in player value. Available anytime, even after hitting or splitting—more flexible than standard games.

Does six-card 21 happen often?

Rare—about 0.1% of hands. But it's exciting when it happens, especially beating a dealer blackjack.

Should I play Super Fun 21?

If you value liberal rules and surrender options over optimal odds. Entertainment value is high despite slightly higher edge.

Can I count cards in Super Fun 21?

Yes, but effectiveness reduced. Even-money blackjack reduces high-count value. Still possible but less profitable.

Pro Tips

• Use surrender liberally: Free value

• Diamond blackjack is golden: 2:1 pays

• Double on any cards: Unique opportunity

• Chase six-card 21: Auto-win

• Remember 1:1 blackjack: Main cost

Related Calculators

• Blackjack Odds Calculator - Standard game
• Blackjack Strategy Calculator - Basic strategy
• Spanish 21 Calculator - Another variant
• Double Exposure Calculator - See all cards
• House Edge Calculator - Compare games

Conclusion

Super Fun 21 offers exciting liberal rules—double any time, surrender any hand, six-card 21 auto-wins—but even-money blackjacks create a ~0.94% house edge. Our calculator shows when to leverage late surrender, how to use multi-card doubling, and why diamond blackjack paying 2:1 is the game's best feature.

Calculate Super Fun 21 Odds Now →

Your all-diamond blackjack pays 2:1 while regular blackjacks only pay 1:1. Our calculator reveals why this one rule defines whether Super Fun 21's liberal rules are worth the trade-off.