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What does a game's RTP cost you?

A game's RTP tells you the share of money bet that it pays back over a very long run. To find the average cost, multiply your total bets by 100% less the RTP. Five hundred $2 bets at 96% RTP means $1,000 bet and an average loss of $40. Enter your own game in the calculator below.

By InsideCasino.us. Updated November 5, 2026.

InsideCasino.us may earn a commission when you visit a casino through a link on this site. It never changes a score: see how we score. Not legal advice. 21+ only.

How much will a game cost you to play?

Total amount bet
$1,000.00
Average paid back
$960.00
Average loss
$40.00
House edge
4%

Long-run averages, not a prediction. A single session can end far above or below this. Nothing you enter leaves your browser.

How does the RTP calculator work?

The RTP calculator uses three steps:

  1. Total amount bet = bet size x number of bets.
  2. Average paid back = total amount bet x RTP.
  3. Average loss = total amount bet less the average paid back.

What is the difference between RTP and house edge?

RTP and house edge are two sides of the same number: house edge is 100% less RTP. A game with a 96% RTP has a 4% house edge. These examples come from our games pages.

GameRTPHouse edge
9/6 Jacks or Better, best play99.54%0.46%
Baccarat, banker bet98.94%1.06%
Roulette, single zero97.30%2.70%
Roulette, double zero94.74%5.26%
Roulette, triple zero92.31%7.69%

Why does the total you bet matter more than your deposit?

The average cost builds on every bet, and money you win gets bet again. With $100, you could bet far more than $100 in a session if you keep replaying your winnings. So count bets rather than deposits. A fast game can reach a high number of bets in a short time, which is why the same RTP can cost more per hour.

Where do you find a game's RTP?

Use the figure stated for the exact game you are playing, in its rules or help screen if the casino shows one. If no figure is shown, the result here is only a guess. In Michigan, house-banked games must return at least 80% and no more than 100%, unless the board authorizes otherwise. See how games are tested.

Why can your result differ from the calculator?

RTP is an average over a very long run, and a session is short. You can finish well ahead or lose your whole budget at the same RTP, and high-variance slots swing more. Set a budget based on what you can afford to lose, not on the average. See responsible gambling for tools and help.

What are the rules in your state?

Each state sets its own online casino rules. Pick a state to see its status, its regulator and the date we last checked it.

Read next: Wagering calculator

Sources

Checked November 5, 2026. Regulator rules were read through the sources listed, and they can change. How we research.