Calculate the odds, house edge, and expected value for popular blackjack side bets including 21+3, Perfect Pairs, Insurance, Lucky Ladies, and more.
House Edge
22.32%
Expected Value
$-1.12
Per bet
Recommendation
Very high house edge - avoid this bet
Select the side bet to analyze
Amount wagered on the side bet
Affects Perfect Pairs and some other bets
| Outcome | Probability | Payout | Contribution |
|---|---|---|---|
| Suited Three of a Kind | 0.0455% | 100:1 | 4.55% |
| Straight Flush | 0.2170% | 40:1 | 8.68% |
| Three of a Kind | 0.2350% | 30:1 | 7.05% |
| Straight | 3.2600% | 10:1 | 32.60% |
| Flush | 4.9600% | 5:1 | 24.80% |
| Total Return | 77.68% | ||
The 21+3 side bet has a house edge of 22.32%. This is a high house edge bet that should be avoided for serious play.
The best side bets are those with the lowest house edge. 21+3 typically has around 3-7% house edge depending on paytable, while Perfect Pairs can range from 2-11%. Insurance is almost always a bad bet at 7.69% house edge unless you're counting cards.
Generally no. Insurance has a 7.69% house edge with a standard deck. However, card counters may take insurance when the true count indicates more tens remain in the deck (roughly +3 or higher true count).
The 21+3 side bet typically has a house edge between 3-7% depending on the specific paytable used. The bet wins when your two cards plus the dealer's upcard form a poker hand (flush, straight, three of a kind, etc.).
Perfect Pairs has a house edge of 2-11% depending on deck count and paytable. With standard 6-deck rules and 25:1 for perfect pairs, the edge is around 4-6%. It's one of the lower-edge side bets available.
Quick-start with common scenarios
House Edge
22.32%
Expected Value
$-1.12
Per bet
Recommendation
Very high house edge - avoid this bet