Baccarat House Edge Calculator
Calculate the exact house edge for baccarat bets with custom commission rates and tie payouts. Compare different casino rules to find the best odds.
Formula:Banker Edge = P(lose) - P(win) × (1 - commission)
Best Bet
Banker
1.06% house edge
1.06%
Banker
1.23%
Player
14.36%
Tie
Casino Rules
0% (EZ)5% (Standard)6%
$
Expected Loss per $100 Bet
Banker Bet$1
Player Bet$1
Tie Bet$14
Expected loss = Bet × House Edge. This is the average over many bets.
Commission Impact
| Commission | Banker Edge | Loss per $1,000 |
|---|---|---|
| 0% | -1.23% | -$12 |
| 3% | 0.14% | $1 |
| 4% | 0.60% | $6 |
| 5% | 1.06% | $11 |
| 6% | 1.52% | $15 |
Lower commission = better odds. Seek casinos with 4% or no-commission baccarat.
Side Bet House Edges
Banker Pair(11:1)
10.36%Player Pair(11:1)
10.36%Either Pair(5:1)
14.54%Dragon 7(40:1)
7.61%Panda 8(25:1)
10.19%Avoid all side bets. Stick to Banker or Player for best odds.
Quick Answer
Standard baccarat house edges: Banker 1.06% (with 5% commission), Player 1.24%, Tie 14.36% (8:1) or 4.84% (9:1). For every $1000 wagered, expect to lose $10.6 on Banker, $12.4 on Player, or $143.6 on Tie.
Key Facts
- Banker (5% commission): 1.06% edge = $1.06 loss per $100
- Player (no commission): 1.24% edge = $1.24 loss per $100
- Tie (8:1 payout): 14.36% edge = $14.36 loss per $100
- Tie (9:1 payout): 4.84% edge = $4.84 loss per $100
- Lower commission casinos reduce Banker edge proportionally
- EZ Baccarat has ~1.02% edge on Banker (no commission, push on Dragon 7)
Understanding Baccarat House Edge
House edge is the casino's mathematical advantage on each bet. In baccarat, it's calculated from the probability of winning and the payout structure. The Banker bet's edge comes from the 5% commission, while the Player bet's edge comes purely from the probability difference.
Commission Impact
Each 1% reduction in Banker commission reduces the house edge by approximately 0.46%. At 0% commission (like EZ Baccarat variants), Banker would have a player advantage without the "push on Dragon 7" rule that balances it.
Frequently Asked Questions
What is the house edge on Banker bet?
With standard 5% commission, the Banker bet has a 1.06% house edge. This means for every $1,000 wagered over time, you lose $10.60 on average. Some casinos offer 4% commission (0.60% edge) or no commission variants.
How does commission affect the Banker edge?
The commission directly impacts house edge: 5% commission = 1.06% edge, 4% commission = 0.60% edge, 3% commission = 0.14% edge. No commission variants use other mechanisms (like pushing on certain results) which typically result in ~1% edge.
Why does Tie bet have such high house edge?
The Tie bet pays 8:1 or 9:1 but only wins 9.52% of the time. For 8:1 payout, you'd need 11.11% probability to break even. The gap between actual probability (9.52%) and breakeven (11.11%) creates the 14.36% house edge.
Is 9:1 Tie payout worth it?
The 9:1 Tie payout has 4.84% house edge vs 14.36% for 8:1. While much better, it's still worse than Banker (1.06%) or Player (1.24%). If you must bet Tie, seek 9:1 tables, but optimal strategy avoids Tie entirely.
What is EZ Baccarat house edge?
EZ Baccarat eliminates Banker commission but pushes when Banker wins with a 3-card 7 ("Dragon 7"). This results in approximately 1.02% house edge - slightly better than standard Banker. The Dragon 7 side bet has 7.61% edge.
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).
Best Bet
Banker
1.06% house edge
1.06%
Banker
1.23%
Player
14.36%
Tie