▌ Calculator · payout · updated 2026-07-20
Stake in.
Exact payout
out.
Enter your stake and odds in any format — American, decimal, or fractional — and get the total payout, net profit, and ROI instantly. No mental arithmetic. No rounding guesses. The formula is simple: payout = stake × decimal odds.
Payout always includes your stake. Profit is what you net above that. The distinction matters — bookmakers sometimes advertise "win $X" (profit) and sometimes "pay $Y" (total), and confusing the two is one of the most common betting math errors.
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Quick stakes
▌ Payout breakdown
Total payout
$190.91
Net profit
+$90.91
Stake returned
$100.00
ROI
90.9%
Decimal odds
1.909
Payout = stake × decimal odds · Profit = payout − stake. Stake is always included in the return.
▌ Derivation · payout formula
The math behind payout
The core formula is:
Payout = Stake × Decimal Odds.
Decimal odds include stake return, so the formula already handles it.
Profit = Payout − Stake.
At -110 American (1.909 decimal): Payout = $100 × 1.909 = $190.91.
Profit = $190.91 − $100 = $90.91.
ROI = ($90.91 / $100) × 100 = 90.91%.
Converting American odds first
American odds need to be converted to decimal before using the payout formula.
For positive American odds: decimal = american / 100 + 1.
For negative: decimal = 100 / |american| + 1.
So at +200: decimal = 200/100 + 1 = 3.00. At $50 stake:
$50 × 3.00 = $150.00 payout, $100.00 profit, 200% ROI.
Free bet payout differs
A free (bonus) bet works differently. The stake is not returned on a win — only the profit is paid. At +200 with a $50 free bet: payout = $100 profit only (no stake return). This is a critical distinction for matched betting. Use the bonus bet calculator to correctly size the hedge for a free bet.
▌ Reference
Common payouts at $100 stake
| American | Decimal | Payout | Profit | ROI |
|---|---|---|---|---|
| +300 | 4.00 | $400.00 | $300.00 | 300% |
| +200 | 3.00 | $300.00 | $200.00 | 200% |
| +100 | 2.00 | $200.00 | $100.00 | 100% |
| −110 | 1.909 | $190.91 | $90.91 | 90.9% |
| −120 | 1.833 | $183.33 | $83.33 | 83.3% |
| −150 | 1.667 | $166.67 | $66.67 | 66.7% |
| −200 | 1.500 | $150.00 | $50.00 | 50.0% |
| −300 | 1.333 | $133.33 | $33.33 | 33.3% |
Fractional odds ("X to 1") at $100 stake
Fractional odds — written "X to 1" or "X/Y" — convert to decimal as numerator ÷ denominator + 1. Use the odds converter first if your line is quoted in American or decimal format.
| Fractional | Decimal | Payout | Profit | ROI |
|---|---|---|---|---|
| 2/5 | 1.40 | $140.00 | $40.00 | 40% |
| 1/2 | 1.50 | $150.00 | $50.00 | 50% |
| 2/1 | 3.00 | $300.00 | $200.00 | 200% |
| 5/2 | 3.50 | $350.00 | $250.00 | 250% |
| 3/1 | 4.00 | $400.00 | $300.00 | 300% |
| 4/1 | 5.00 | $500.00 | $400.00 | 400% |
| 5/1 | 6.00 | $600.00 | $500.00 | 500% |
| 8/1 | 9.00 | $900.00 | $800.00 | 800% |
| 10/1 | 11.00 | $1,100.00 | $1,000.00 | 1000% |
| 12/1 | 13.00 | $1,300.00 | $1,200.00 | 1200% |
| 15/1 | 16.00 | $1,600.00 | $1,500.00 | 1500% |
| 20/1 | 21.00 | $2,100.00 | $2,000.00 | 2000% |
| 30/1 | 31.00 | $3,100.00 | $3,000.00 | 3000% |
| 50/1 | 51.00 | $5,100.00 | $5,000.00 | 5000% |
| 100/1 | 101.00 | $10,100.00 | $10,000.00 | 10000% |
▌ FAQ
Common questions
How do I calculate betting payout?
What is the difference between payout and profit?
What does ROI mean in sports betting?
Can I calculate payout for parlay bets?
Do bookmakers take a cut from my winnings?
What does -110 payout on $100?
What does +200 payout on $50?
What does 20 to 1 odds payout mean?
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