Compare two rule sets for the same wager. Start with an example, then enter the payouts or fee handling you have actually confirmed. A lower expected cost does not guarantee a win or make a larger wager affordable.
Rule A and Rule B are your inputs, not casino recommendations. This tool does not verify a casino’s current paytable, permitted stakes or legality.
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Your comparison
| Measure | Rule A | Rule B |
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How the calculation works
Why the Field layout matters
Ordinary Field winners pay even money. Extra payouts on 2 and 12 can reduce expected cost, but only those rare totals receive the extra amount. For a $20 wager, double on both gives an expected loss of about $1.11 per roll; double on 2 and triple on 12 lowers it to about $0.56. The chance of a losing roll remains 20 in 36 in both examples. The result is an average over repeated wagers, not a prediction of the next roll.
Why fee timing matters
A $25 Buy 4 wins $50 gross at true odds. An exact 5% fee is $1.25. Charged upfront for a decision, it produces a $48.75 net win or a $26.25 total loss. Charged only on a win, the net win is still $48.75 but the loss is $25. Because 4 wins one third of resolved 4-versus-7 decisions, expected cost falls from $1.25 to about $0.42 per decision. Here the edge is 5% versus 1.6667% of the $25 base wager; an upfront-fee-inclusive denominator would give a different percentage.
Rounding can change the comparison
A $24 Buy 5 has $36 true-odds gross profit. With a $1 fee only on a win, expected loss is $0.40 per resolved decision, or 1.6667% of the base wager. Exact 5% is $1.20, making expected loss $0.48, or 2%. Ask for the actual fee and accepted wager amount; minimum fees and payout breakage do not scale proportionally. The tool’s rounding choices are models, not assertions that a jurisdiction allows those rules.
Before relying on a paytable
- Read whether payouts are “to” or “for”; this tool uses profit ratios stated “to.”
- Confirm the exact number, wager amount, fee basis, collection timing and rounding with the crew.
- Check whether the wager is working. These Buy examples assume a working bet held until the number or 7 resolves it.
- Ask what happens to commission if a bet is removed, increased or renewed; those actions are outside this model.
- Keep profit separate from returned stake. A standing winning Buy bet may remain exposed.
Use the Payout Auditor for a settlement check, the settlement walkthrough to follow rack and layout money, and the tools hub for other tasks.
Reference and scope
The Massachusetts Gaming Commission Craps and Mini-Craps rules describe Field outcomes and Buy-bet true odds, including upfront and win-only fee treatment. Reference checked October 3, 2026. The calculator explores selected paytable assumptions; it does not certify current casino availability or local approval of a rounding convention. It models fair independent dice, no side bets, and no additional incentives.
