Understanding how much your bet will pay out starts with separating total payout from net profit and recognizing how different odds formats express the same economic relationship. This article offers a practical, step-by-step approach so you can calculate outcomes for decimal, American, and fractional odds, and for parlays, pushes, and bonus bets. You will find clear formulas, conversion steps, short worked examples to copy, and a basic calculator framework to build or use manually. The goal is to make it simple to compute bet winnings accurately and avoid common settlement mistakes.

Total payout equals stake plus profit; decimal odds make this multiplication straightforward.

American odds use different formulas for positive and negative prices; convert them before combining odds.

Bonus bets commonly pay winnings only, so the credited stake is usually not returned.

What 'payout' means in sports betting: definition and quick context

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In sports prediction and wagering contexts, total payout means the full amount returned when a bet is settled, which normally includes the original stake plus any profit the bet produced. Net profit is the portion of that payout that exceeds the stake and represents the bettor's gain. For clarity, always separate the two when you calculate outcomes: total payout equals stake returned plus net profit.

Different odds formats express the same relationships in different ways, so the computation method you use depends on whether the price is shown as decimal, American (moneyline), or fractional odds. Each format requires a simple, standard formula to convert the displayed price into a profit number you can add to the stake.

Operator rules matter too: pushes, voids, and bonus or free-bet credits change whether the stake is returned or whether only winnings are paid. If you rely on a specific operator, confirm their settlement rules before accepting a bet so you know whether the stake will be returned or treated as lost or void.

Quick example: if your stake is 10 and the decimal price is 2.50, your total payout is 10 times 2.50 and your net profit is 10 times 1.50; the formulas and conversion approach described below let you reproduce that math for any odds format.

When you need a repeatable workflow for different odds types, a small step-by-step calculator or a short checklist is the fastest way to avoid mistakes and to compare cash stakes with bonus-credit bets reliably.

Decimal odds: how to calculate total payout and profit

Decimal odds display the total return per unit staked. The core formula is simple: total payout equals stake multiplied by the decimal odds, and net profit equals stake times (decimal odds minus one). For a clear formula reference, see a standard explanation of decimal odds and how returns are calculated Investopedia decimal odds definition.

Step-by-step: first confirm the decimal price shown, then multiply your stake by that decimal; that product is the total payout. Subtract the original stake to find net profit, or use the direct profit formula stake × (decimal odds − 1) for a one-step result.

Worked one-line example you can copy: stake = 20, decimal odds = 3.10, total payout = 20 × 3.10 = 62, net profit = 20 × (3.10 − 1) = 42. That same multiplication approach is why decimal odds are commonly used when converting legs for parlays.

Compute total payout for a single-leg decimal bet

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Common pitfalls with decimals include entering odds in the wrong format (for example, treating fractional or American values as decimal) and mixing up total payout with net profit. Double-check the price format before you multiply so your calculation matches the operator's grading method.

American (moneyline) odds: formulas for positive and negative prices

American odds express moneyline prices as positive or negative integers. For positive American odds written as +A, the profit on a bet equals stake × (A/100); that is, you win A for every 100 staked, scaled to your stake. A standard explainer covers these definitions and examples for moneyline calculations Investopedia moneyline odds.

$Minimalist three step infographic showing fractional to decimal conversion american to decimal conversion and multiplying decimals for parlay with numbered steps in Funded Plays brand colors payout bet calculator$

For negative American odds written as -B, the formula changes: profit = stake × (100/B). Negative prices indicate how much you must stake to win 100, and the formula scales that base to your actual stake so you can compute net profit directly.

Converting American odds to implied probability is useful for sanity checks and expectation calculations because the implied probability shows how the price reflects the bookmaker's view of outcome likelihood. Use the standard conversion described in American-odds references to verify that your computed payout aligns logically with the probability the price implies.

Fractional odds: how A/B translates to profit and total return

Fractional odds are written as A/B and mean you profit A for every B staked; the total return equals your original stake plus that profit. For a reliable definition and examples of fractional odds and how they pay, consult the standard fractional-odds guide Investopedia fractional odds definition.

To make calculations easier, convert fractional odds to decimal using the conversion decimal = A/B + 1, then apply the decimal formulas described earlier. That conversion is routine because it lets you treat every price the same way when calculating parlays or when using a simple payout bet calculator workflow.

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Example conversion: fractional 5/2 becomes decimal 5 divided by 2 plus 1, which equals 3.50; then multiply by stake to get total payout and subtract stake to get net profit. Many bettors prefer the decimal intermediate step because it reduces the chance of misinterpreting a fractional price when combining legs.

Parlays, pushes, and voids: how combined bets change payout math

Standard parlay calculation follows a consistent method: convert each leg to decimal odds, multiply all decimals together to get the parlay multiplier, then multiply that product by the stake to get total payout; net profit is that payout minus the stake. A clear parlay guide explains this approach and gives examples of the multiplication sequence Investopedia parlay explanation.

Step-by-step parlay method you can follow: 1) normalize each leg to decimal, 2) multiply those decimals to get one combined multiplier, 3) multiply your stake by that multiplier, and 4) subtract the stake to find net profit. That algorithm is the standard arithmetic behind most parlay payout calculators.

What happens when a leg pushes or is voided depends on the operator, but many books reduce the parlay by one leg and treat that leg as having decimal odds of 1.00, effectively removing it from the multiplication. For common descriptions of pushes and how they are normally graded, see a practical overview on push treatment The Balance Money on pushes.

Example of a pushed leg handling: a three-leg parlay with decimals 1.80, 2.00, and 1.50 where the 2.00 leg pushes would usually become 1.80 × 1.00 × 1.50 before multiplying by stake. Because house rules vary, always confirm how the operator treats pushes and voids to ensure your parlay payout matches the platform's grading.

Bonus and free bets are commonly settled so that the customer receives only the winnings generated by the bonus credit and not the credited stake itself; this means total payout for a bonus bet excludes the stake while net profit equals the credited winnings. Industry practice on bonus-bet settlement is described in standard help resources about bonus bet terms BetMGM help on bonus bets.

When you compare a cash stake to a bonus-credit stake at the same odds, the cash stake returns both stake plus profit, while the bonus-credit case returns only the winnings; treat the credited stake as not returned when you compute the final cash amount available for withdrawal.

How much will my bet pay out?

Calculate the payout by converting odds to decimal when needed, multiplying the decimal by your stake to get total payout, and subtracting the stake for net profit; adjust for pushes, voids, and bonus-bet settlement rules.

Because promotional settlement rules vary by operator and jurisdiction, always read the promotion terms before you compute expected payout for a bonus bet. The difference between cash and bonus settlement can materially change how much you receive after a winning selection.

Building a simple payout bet calculator: step-by-step framework

Inputs to collect for a reliable payout bet calculator should include at minimum the stake amount, the odds value, the odds format (decimal, American, fractional), and whether the stake is cash or bonus credit. Gathering those values lets the computation engine normalize price inputs and apply settlement rules consistently.

Conversion and computation sequence in practice: first map the displayed odds to decimal if they are American or fractional; second, if the bet is a parlay, multiply normalized decimals across legs; third, multiply the resulting decimal by the stake to compute total payout; finally, apply promo logic to subtract or include the stake depending on cash or bonus settlement. The decimal-normalization step is central to that workflow and is covered in decimal and fractional references Investopedia decimal odds definition.

Handling special cases programmatically requires clear rules: if a leg is voided, treat its decimal as 1.00; if a push occurs on a single-leg straight, return the stake; if the stake is bonus credit, return only winnings and not the credited stake. Explicit branching for these cases prevents incorrect payout results and aligns the calculator with typical operator behavior.

Minimal 2D vector side by side comparison showing cash stake payout versus bonus bet winnings only outcome for identical odds using Funded Plays palette payout bet calculator

Implementation notes: validate user input for format mismatches, protect against division by zero when converting American negative odds, and include a checkbox or flag for promo-type so the algorithm knows whether to exclude the stake on a win. Mentioning the platform as a practice environment is helpful; for example, FundedPlays offers structured challenges where users can practice computing outcomes without wagering real cash, which is useful for testing calculator logic in a simulated setting.

Common mistakes, troubleshooting, and quick checks before you hit submit

Frequent calculation errors include failing to normalize American or fractional odds to decimal before multiplying for parlays, confusing total payout with net profit, and treating bonus-credit stakes like cash stakes. Avoid these by following the conversion-then-multiply approach for combined bets and by separating stake from profit in every step.

Quick sanity checks: convert the odds to implied probability to see whether the price seems consistent with your expected outcome; check a simple single-leg calculation by hand to confirm your calculator's output; and ensure that a pushed straight bet returns the stake under operator rules. For reference on pushes and when stakes are returned, see a concise guide on push outcomes The Balance Money on pushes.

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Before you submit a selection, double-check the odds format and whether your stake is cash or bonus so your calculation matches the operator's settlement rules.

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If results look off, inspect whether any leg was graded void or pushed and confirm your calculator treated that leg as 1.00 for parlays. Also verify that bonus-bet handling is set correctly so you do not mistakenly expect the credited stake to be returned after a winning selection.

Worked examples and scenarios you can copy: singles, parlays, pushes, and bonus bets

Single-wager examples you can copy: Decimal single - stake 25 at decimal 2.40: total payout = 25 × 2.40 = 60, net profit = 35. American single positive - stake 50 at +150: profit = 50 × (150/100) = 75, total payout = 125, using standard American-moneyline formulas Investopedia moneyline odds. For a quick odds converter you can use as a cross-check, try Covers' odds converter.

Fractional single example: stake 20 at fractional 7/4. Convert to decimal: 7 divided by 4 plus 1 equals 2.75. Total payout = 20 × 2.75 = 55, net profit = 35. Converting fractional to decimal first reduces chance of arithmetic mistakes when computing the payout.

Two-leg parlay example: leg A decimal 1.90, leg B decimal 2.10, stake 10. Multiply decimals: 1.90 × 2.10 = 3.99. Total payout = 10 × 3.99 = 39.90, net profit = 29.90. If one leg pushes and is treated as void, for example leg B pushed, treat it as 1.00 so payout = 10 × (1.90 × 1.00) = 19.00.

Three-leg parlay including a pushed leg: legs 1.80, 2.00, 1.60, stake 5. If the 2.00 leg pushes and an operator reduces the parlay, compute 1.80 × 1.00 × 1.60 = 2.88 then 5 × 2.88 = 14.40 total payout. Because operator rules vary, verify that your operator reduces parlays in this manner before you rely on that outcome.

Bonus-bet example showing winnings-only payout: stake a credited bonus bet equal to 10 at decimal 3.00. Winnings only = stake × (decimal odds − 1) = 10 × 2.00 = 20; the credited stake is not returned, so cash you receive equals 20. By contrast, a cash stake of 10 at the same price would return 30 total payout.

For an alternate calculator perspective that shows step-by-step outputs for singles and parlays, see the Betting Odds Calculator & Converter tool at RotoWire.

How do I calculate total payout for a decimal odd?

Multiply your stake by the decimal odds to get total payout; subtract the stake to get net profit.

What happens to my stake on a pushed straight bet?

A push on a straight wager typically returns the stake or is graded void, depending on the operator's rules.

Do bonus bets return the credited stake when they win?

Most bonus or free bets pay winnings only and do not return the credited stake; check the promotion terms for specifics.

When you calculate payout, be methodical: normalize odds to decimal, apply the multiplication or profit formula, and then apply any operator-specific settlement rules for pushes, voids, or promotions. Confirming house rules and testing your calculations with simple single-leg checks will reduce surprises. Use the worked examples and the calculator framework here as a checklist when you compute outcomes, and remember that promotional stakes often change settlement behavior, so treat bonus credits differently from cash stakes.