A blackjack payout calculator makes the 3:2 versus 6:5 difference concrete. Bet $25 and get a blackjack: at 3:2 you’re paid $37.50, at 6:5 just $30. Seven and a half dollars doesn’t sound like a lot, but you get a paid blackjack about once every 22 hands. At 70 hands an hour that’s roughly $24 an hour extra the house keeps, from that one rule. The free calculator shows the payout at your bet and what the difference adds up to over your session.
Blackjack payout calculator: the payouts
| Blackjack pays | $10 bet | $25 bet | $100 bet | Extra house edge |
|---|---|---|---|---|
| 3:2 | $15 | $37.50 | $150 | none |
| 7:5 | $14 | $35 | $140 | about 0.93% |
| 6:5 | $12 | $30 | $120 | about 1.39% |
| 1:1 | $10 | $25 | $100 | about 2.3% |
The extra edge comes from one sum: (1.5 − the payout) × how often you get a blackjack that the dealer doesn’t match. With six decks that’s about 4.6% of hands. A normal 3:2 game with decent rules has a house edge around 0.5%, so 6:5 roughly triples or quadruples what you lose per hour.
Why 6:5 tables exist
They’re cheaper to run and most players never notice. A 6:5 table often has a lower minimum, single-deck dealing or other rules that look generous. None of that makes up for 1.39%. If the casino has a 3:2 table at a higher minimum, the higher minimum is usually still the cheaper game per hour, as long as it fits your budget. Run both through the blackjack house edge calculator to see the full rule set compared.
The same maths applies to promotions that pay 2:1 on blackjacks for a while: that’s worth about 2.3% in your favour on top of the normal edge, which is why those promos are short.
For the rest of the game, the blackjack strategy chart gives the right play for every hand, and the blackjack simulator plays a 6:5 game against a 3:2 one so you can watch the gap open up.
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