Baccarat draw-rule explorer calculator

Calculate player and Banker initial point totals and player action under standard draw table with your own figures.

Your numbers

Use the units shown. Results update as you change valid inputs.

Use player and Banker initial point totals and player action under standard draw table to compare changes to your inputs. The method and limits below explain the scope.

Examples

Examples

Try the starting example

Player initial two card values, A=1, ten/J/Q/K=0
2,3
Banker initial two card values
1,2
Player third-card value 0–9, or none
4
Banker third-card value 0–9, or none
5
Player and Banker initial point totals
5, 3
Player action under standard draw table
Draw
Banker action under standard draw table
Draw
Player and Banker final totals, or Pending
9, 8
Resolved hand outcome
Player

Try another scenario

Player initial two card values, A=1, ten/J/Q/K=0
2,3
Banker initial two card values
1,2
Player third-card value 0–9, or none
8
Banker third-card value 0–9, or none
none
Player and Banker initial point totals
5, 3
Player action under standard draw table
Draw
Banker action under standard draw table
Stand
Player and Banker final totals, or Pending
3, 3
Resolved hand outcome
Tie
Calculation method

Calculation method

Player and Banker initial point totals

Sum each initial pair modulo ten.

Player action under standard draw table

Naturals eight/nine stop both hands; otherwise Player draws on zero through five and stands on six/seven.

Banker action under standard draw table

If Player stands, Banker draws through five; otherwise use the explicit standard third-card table.

Player and Banker final totals, or Pending

Add required supplied third cards modulo ten; missing required cards remain Pending and prohibited third cards are rejected.

Resolved hand outcome

Compare resolved final point totals; do not infer an unresolved card.

Symbols and units
a
Player initial two card values, A=1, ten/J/Q/K=0
b
Banker initial two card values
c
Player third-card value 0–9, or none
d
Banker third-card value 0–9, or none

Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.

Assumptions & limits

Assumptions & limits

  • The sourced standard baccarat third-card action table with supplied card values, not Chemin de Fer choice rules, a bet recommendation or an inference about unknown future cards. Pending draws remain unresolved.
Are these inputs private?

These calculations run in your browser. A shared link contains the values you choose to share. Only questions submitted to the separate AI finder are sent to OpenAI.

Further reading

MGM Resorts: standard baccarat third-card draw table ↗

Background reading; this does not imply endorsement or independent review of SumFizz.

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