Blackjack Payout Calculator
Enter a bet — see every payout that matters at the table, including the 3:2 vs 6:5 blackjack difference that quietly triples the house edge.
Net winnings exclude the returned stake. Total returned includes it. Casino chip rounding and house minimums can differ.
Blackjack payout chart: 3:2 vs 6:5
The 3 to 2 and 6 to 5 payouts dealers memorize — every common bet, both rules side by side. A 3:2 blackjack pays you half the bet again; a 6:5 blackjack pays less on every single hand, which is the whole reason to avoid those tables. New to the table? How to bet in blackjack covers chips, minimums, and where the bet goes.
| Bet | 3:2 blackjack pays | 6:5 pays | You're shorted |
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Download the common-payout chart as CSV (CC BY 4.0 with attribution).
The mental shortcut for 3:2: half the bet, plus the bet. $15 → half is $7.50 → payout $22.50. For 6:5, divide the bet by 5 and pay 6 of them — which is why 6:5 tables prefer bets in $5 steps and round down (against you) on odd amounts at many houses.
Payout practice: quiz yourself like a dealer
Reading a chart is one thing — calling the payout in two seconds with a full table watching is another. This is the drill: 20 questions across 3:2, 6:5, insurance, doubles and even-money wins, scored for speed and accuracy. Turn on dealer mode for a 10-second clock per answer.
Type the dollar amount and press enter. Cents count.
Drill complete
A practice tool, not a table aid — casinos don't allow phones in the game. The point is to make the arithmetic automatic before you sit down.
Every payout at the table
- Regular win pays 1:1 — bet $25, win $25. You're paid the same 1:1 whenever the dealer goes over 21; what happens when the dealer busts covers the one catch.
- Blackjack pays 3:2 (or 6:5 — check the felt) and beats any dealer 21 except a dealer blackjack, which pushes.
- Double down doubles the bet, so a won double pays 2× your original bet. When to do it.
- Split puts a second full bet up; each hand then wins or loses 1:1 independently.
- Insurance costs half your bet and pays 2:1 — a net of exactly your original bet when the dealer has blackjack. It's still a losing bet.
- Push pays nothing and costs nothing — your bet comes back.
- Side bets (Perfect Pairs, 21+3) pay on their own schedules — 25:1, 12:1, 6:1 and the like — and carry house edges of 3–6% against the main game's ~0.5%. The exact odds, computed.
Payouts are fixed arithmetic — what a hand is actually worth is the harder question. Our blackjack odds calculator takes any two cards against any dealer up-card and gives the modeled win probability and expected value of hitting, standing, doubling or splitting. No betting system changes any number on this page — the schedule is identical at $5 and $500 — and how to win at blackjack ranks the four things that actually move your odds.
Does blackjack pay 2 to 1?
No — a natural blackjack pays 3:2 (or 6:5 at worse tables), never 2:1. The 2 to 1 payout people picture is insurance: a side bet that pays 2:1 when the dealer turns over a blackjack. Its cousin, even money, pays your own blackjack 1:1 on the spot against a dealer ace — and declining it earns about 3.8% more per blackjack over time. A handful of promotional tables also advertise a 2:1 bonus for a specific hand — a suited or same-color blackjack — but on a standard game the most your blackjack ever pays is 3:2. Set the calculator's Blackjack pays menu to 2:1 to see what one of those promos would return, then check the felt: 3 to 2 is the number you want.
Frequently asked questions
How much does a blackjack pay on a $20 bet?
At a 3:2 table, a $20 blackjack pays $30 in winnings (you keep your $20 bet and receive $30 more). At a 6:5 table the same blackjack pays only $24. That $6 gap, about once every 21 hands, is why 6:5 adds roughly 1.4% to the house edge.
How do you calculate a 3:2 blackjack payout?
Divide the bet by 2 and multiply by 3 — or just add half the bet to itself. A $15 bet: half is $7.50, so the payout is $15 + $7.50 = $22.50. The chart dealers memorize: $5→$7.50, $10→$15, $15→$22.50, $25→$37.50, $50→$75, $100→$150.
What is a 6:5 blackjack payout?
A 6:5 table pays $6 for every $5 you bet on a blackjack, instead of the standard 3:2 ($3 for every $2). On a $25 bet that's $30 at 6:5 versus $37.50 at 3:2 — you lose $7.50 per blackjack. Avoid 6:5 tables whenever a 3:2 game is available.
Does blackjack ever pay 2 to 1?
No. A natural blackjack pays 3:2 (or 6:5 at worse tables) — never 2:1. The 2:1 payout people remember is insurance, which pays 2:1 when the dealer has blackjack. A few promo tables offer a 2:1 bonus for a specific hand like a suited blackjack, but on a standard game the most your blackjack pays is 3:2.
How do dealers practice blackjack payouts?
By drilling the arithmetic until it's automatic — mostly the 3:2 shortcut (half the bet, plus the bet) and the 6:5 conversion (divide by 5, pay 6). Dealer schools use timed, flashcard-style repetition on random bet amounts, including the odd ones like $35 and $45 where the half-dollar trips people up. The payout practice quiz above does the same: 20 randomized questions, scored for speed and accuracy, with a 10-second dealer mode.