Blackjack House Edge Calculator
Select the rules at your table to see the exact house edge
6:5 payout is the biggest trap. A single rule change from 3:2 to 6:5 adds 1.39% to the house edge — more than everything else combined. Always find a 3:2 table.
These figures assume perfect basic strategy. Every mistake you make raises the effective house edge. A typical recreational player plays at roughly 2–3% house edge due to strategy errors.
What affects the house edge?
Number of decks
Fewer decks favor the player. A single-deck game has roughly 0.5% lower house edge than a 6-deck game, because natural blackjacks are more frequent and the remaining deck composition shifts more with each card dealt.
Dealer hits soft 17 (H17)
When the dealer hits soft 17, they have more chances to improve a weak hand. This adds ~0.22% to the house edge. Always prefer S17 tables.
Blackjack payout
3:2 is standard. 6:5 — now common at many tables — adds 1.39% to the house edge, single-handedly turning a beatable game into a poor one. Never play 6:5.
Surrender
Late surrender (allowed after the dealer checks for blackjack) saves ~0.08%. Early surrender (before the check) saves ~0.24% and is extremely rare. If surrender is available, use it — it's free money.