Super Fun 21 Calculator: Liberal Blackjack Rules Analysis (2026)
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
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Enter Your Hand: Cards dealt
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Enter Dealer Upcard: Showing
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Check Surrender Option: Always available
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View Optimal Play: Best decision
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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
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Use surrender liberally: Free value
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Diamond blackjack is golden: 2:1 pays
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Double on any cards: Unique opportunity
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Chase six-card 21: Auto-win
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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.
