Accumulator calculator: total odds and winnings
Enter the odds of your selections and your stake. The calculator shows total odds, payout and net profit, plus the chance implied by the odds and how much margin is built into the accumulator.
Your accumulator
How an accumulator is calculated
In an accumulator, several selections are put on one slip and their odds are multiplied together. The bet only wins if every single selection comes in. In return, the odds grow quickly: three solid favourites at 1.50, 2.00 and 1.80 already add up to 5.40.
Worked example
| Odds | 1.50 × 2.00 × 1.80 |
| Total odds | 5.40 |
| Stake | €10.00 |
| Payout | €54.00 |
| Net profit | €44.00 |
| with 5% tax on winnings | €51.30 payout, €41.30 net profit |
The margin multiplies along
What many people underestimate: it is not only the odds that get multiplied, but also the bookmaker’s markup. If the payout rate per match is 95% (5% margin), only 0.95 × 0.95 × 0.95 = 85.7% is left with three selections. So the accumulator costs you around 14% margin instead of 5%.
| Selections | Payout rate | Accumulator margin |
|---|---|---|
| 1 | 95.0% | 5.0% |
| 2 | 90.3% | 9.8% |
| 3 | 85.7% | 14.3% |
| 5 | 77.4% | 22.6% |
| 8 | 66.3% | 33.7% |
Using the example above: with a 5% margin each, the fair odds would be about 1.58, 2.11 and 1.89. Multiplied fairly, that gives 6.30 instead of 5.40. The difference is the price you pay for the accumulator. If you think long-term, keep accumulators short and only include selections where you think the odds are too high.
Betting tax on accumulators
Whether and how sports betting is taxed depends on the country and the bookmaker. Some bookmakers already price a tax into the odds, so you get slightly lower odds and no other deduction. Others deduct a share from the payout if you win or take it directly from the stake. Check your bookmaker’s terms before you calculate. With accumulators the tax is charged only once, not per selection.
FAQ
How do you calculate the odds of an accumulator?
All individual odds are multiplied. 1.50 × 2.00 × 1.80 gives total odds of 5.40. With a €10 stake that is a €54 payout and €44 net profit, provided all selections win.
What happens if one selection in the accumulator loses?
Then the whole accumulator is lost, no matter how the other matches end. If you want to protect yourself against a single slip-up, play a system bet.
Why are accumulators so profitable for the bookmaker?
Because the margin multiplies with every selection. With a 5% margin per match, the payout rate of a treble is 0.95 × 0.95 × 0.95 = 85.7%, with five selections only 77.4%. The chance of winning falls faster than the odds rise.
What happens if a match in the accumulator is cancelled?
Usually the cancelled match is settled at odds of 1.00 and the accumulator continues with the remaining selections. The exact rules are in your bookmaker’s terms. In the calculator, simply enter 1 as the odds.
How many selections should an accumulator have?
The fewer, the better for you. Each additional selection lowers the chance of winning and increases the hidden margin. Doubles and trebles are still manageable; anything bigger is more of a lottery.
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All information without guarantee. An accumulator loses as soon as one selection fails.