EZ Baccarat Calculator
Calculate odds, house edge, and expected value for EZ Baccarat (commission-free) including Dragon 7 and Panda 8 side bets.
Formula:
Expected Value = -1 × House Edge × Bet AmountHouse Edge
1.02%
Expected Value
$-1.02
Per $100 bet
No commission, Dragon 7 pushes
$
Amount to wager
Recommendation
EZ Banker is slightly better than standard Banker bet (1.02% vs 1.06%). Excellent choice.
EZ Baccarat vs Standard Baccarat
| Bet | EZ Baccarat | Standard | Difference |
|---|---|---|---|
| Banker | 1.02% | 1.06% | -0.04% |
| Player | 1.24% | 1.24% | Same |
| Tie | 14.36% | 14.36% | Same |
EZ Banker is the best bet in baccarat - slightly better than standard Banker with commission.
🐉 Dragon 7 Side Bet
Wins when: Banker wins with 3-card total of 7
Payout: 40:1
Probability: 2.25%
House Edge: 7.61%
Note: When Dragon 7 hits, the main Banker bet pushes instead of winning.
🐼 Panda 8 Side Bet
Wins when: Player wins with 3-card total of 8
Payout: 25:1
Probability: 2.55%
House Edge: 10.19%
Higher house edge than Dragon 7 but doesn't affect main bets.
How the Dragon 7 Push Works
🎴
Banker Gets 3 Cards
Totaling exactly 7
✓
Banker Wins
Against Player's hand
↔️
Banker Bet Pushes
Instead of paying 1:1
This is the trade-off for not paying 5% commission on other Banker wins.
Key Facts
- •EZ Banker: 1.02% house edge (best in baccarat)
- •No commission on Banker wins
- •Dragon 7 (Banker 3-card 7): Banker bet pushes
- •Dragon 7 side bet: 40:1 payout, 7.61% edge
- •Panda 8 side bet: 25:1 payout, 10.19% edge
- •Player bet unchanged at 1.24% edge
- •Tie bet unchanged at 14.36% edge
Frequently Asked Questions
What is EZ Baccarat?
EZ Baccarat is a commission-free variant of baccarat. Instead of paying 5% commission on Banker wins, the casino takes no commission - but if Banker wins with a three-card total of 7 (Dragon 7), the Banker bet pushes. This gives EZ Banker a 1.02% house edge, slightly better than standard Banker.
Is EZ Baccarat better than regular baccarat?
Yes, slightly. EZ Banker has a 1.02% house edge vs 1.06% for standard Banker (with commission). The convenience of no commission also speeds up the game. The main downside is the Dragon 7 push rule, which affects about 2.25% of Banker wins.
What is the Dragon 7 bet?
Dragon 7 is a side bet that Banker will win with exactly 7 using three cards. It pays 40:1 and has a 7.61% house edge. This bet exists because the Dragon 7 outcome causes the main Banker bet to push in EZ Baccarat.
What is the Panda 8 bet?
Panda 8 is a side bet that Player will win with exactly 8 using three cards. It pays 25:1 and has a 10.19% house edge. While not as good as the main bets, it's better than the Tie bet.
Try These Examples
Quick-start with common scenarios
How this works
Calculations follow the published mathematics of the game — combinatorics for cards, probability theory for dice, and expected-value accounting for wagers. Results are verified against independent references (primarily Wizard of Odds). No calculation here is an opinion or recommendation; it is arithmetic applied to the rules of the game.
What this tool can’t do
When to consult a professional
This tool computes probability and expected value. It is not a betting system and cannot predict the outcome of any individual wager. If gambling is causing problems for you or someone you know, call the National Problem Gambling Helpline at 1-800-GAMBLER.
Sources
- [1]Wizard of Odds — Michael Shackleford, ASAIndustrywizardofodds.comAccessed Apr 21, 2026
Actuary; widely cited casino-game probability reference. Used for house-edge and EV verification.
- [2]National Council on Problem GamblingOfficial sourcencpgambling.orgAccessed Apr 21, 2026
Responsible-gambling guidance and 1-800-GAMBLER helpline.
Joseph OrdunaFounder & Software Engineer
Full-stack software engineer specializing in embedded systems, web architecture, and AI/ML. Founder of Practical Web Tools. Built the gesture-controlled drone IP acquired by KD Interactive (Aura Drone, sold on Amazon).
House Edge
1.02%
Expected Value
$-1.02
Per $100 bet