Baccarat Simulator
Deal a hand, bet banker, player, or tie, and run a single hand or thousands at once to see how your realized results compare to the true house edge on each bet. Also test the roulette simulator or the craps simulator.
Bankroll
$1000
Hands
0
Realized edge
—
Theoretical edge
1.06%
Why banker loses the least
Working through the published probabilities of an 8-deck shoe — banker wins 45.86% of hands, player 44.62%, and tie 9.52% — banker carries a 1.06% house edge once the standard 5% commission on wins is applied, player carries 1.24%, and tie carries 14.36% at its 8:1 payout.
All three bets have negative expected value. Banker is simply the least-bad of the three — not a good bet, and not a winning one over the long run. There is no baccarat bet with a positive edge.
Payout table
| Bet | Payout |
|---|---|
| Banker (5% commission on wins) | 0.95:1 |
| Player | 1:1 |
| Tie | 8:1 |
Frequently asked questions
Is this baccarat simulator free?
Yes. It runs entirely in your browser, requires no signup or download, and does not use real money.
Why is tie such a bad bet?
Tie pays 8:1 but only happens about 9.5% of the time, leaving a 14.36% house edge — by far the worst of the three bets. Banker and player are much closer to even, but neither is a good bet either: banker still carries a 1.06% edge and player a 1.24% edge. Banker is the least-bad of the three, not a winning bet.
What's the commission on banker wins?
A winning banker bet pays 1:1 minus a 5% commission taken from the winnings, not the stake — a winning $10 banker bet returns $9.50 profit, not $9.50 total. That commission is exactly why banker (1.06%) still carries a slightly lower edge than player (1.24%), despite banker winning hands more often.
What happens on a tie if I bet banker or player?
Banker and player bets push on a tie — your stake is returned, no win or loss. Only a tie bet itself pays out on a tie.
Does this simulator use real money?
No. This is a free educational tool and does not facilitate real-money wagering.