Home › Odds calculator
Blackjack Side Bet Odds Calculator
Pick the number of decks and the paytable to see the exact odds and house edge for Perfect Pairs, 21+3 and insurance. Every number is calculated live by counting every possible combination of cards.
Settings
Perfect Pairs
| Result | Chance | About 1 in | Pays |
|---|
21+3
| Hand | Chance | About 1 in | Pays |
|---|
Insurance
Insurance pays 2:1, so it only breaks even if the dealer has blackjack a third of the time. It never does. Read why.
How these numbers are worked out
Perfect Pairs: after your first card, the second comes from the rest of the shoe. With d decks there are 52d−1 cards left, of which d−1 are identical (perfect pair), d are the same rank and colour (coloured pair) and 2d are the same rank in the other colour (mixed pair).
21+3: the calculator goes through every combination of three cards from the shoe, weighted by how many copies of each card there are, and checks it for a flush, straight, three of a kind, straight flush or suited trips. Aces count high or low (A-2-3 and Q-K-A are straights).
House edge is minus the average return per unit bet: the sum of each result’s chance multiplied by what it pays, minus the chance of losing.