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Blackjack Probability Calculator

Last updated: April 5, 2026

The Blackjack Probability Calculator computes the statistical probability of busting from any hand total and the dealer's bust probability from each upcard. Transforms blackjack from intuition-based play into quantitative risk assessment with exact percentages for every hand situation.

Calculator

Results

Bust Probability if You Hit

53.85

%

Safe Hit Probability

46.15

%

Safe Draw Outs

24

cards

Dealer Bust Probability

47.5

%

Hit Safety Minus Dealer Bust

-1.3

pp

Results

Bust Probability if You Hit

53.85

%

Safe Hit Probability

46.15

%

Safe Draw Outs

24

cards

Dealer Bust Probability

47.5

%

Hit Safety Minus Dealer Bust

-1.3

pp

In This Guide

  1. 01Player Bust Probability by Hand Total
  2. 02Dealer Bust Probability by Upcard
  3. 03Blackjack Probability Formula
  4. 04The Insurance Bet: A Probability Analysis

Every blackjack decision is a probability problem: if I hit, what is my chance of busting? If the dealer shows a 6, how likely are they to bust? If I stand on 15, what is the probability the dealer makes 16, 17, 18, 19, 20, 21, or busts? The blackjack probability calculator answers all these questions quantitatively for any specific hand situation, transforming the gut-feel decisions most players make into precise expected value calculations.

Player Bust Probability by Hand Total

The probability of busting if you take one more card, from an infinite deck approximation:

  • Hard 11 or below: 0% (impossible to bust with one more card)
  • Hard 12: 31% bust probability (four of 13 card values — 10, J, Q, K — cause bust)
  • Hard 13: 38%
  • Hard 14: 46%
  • Hard 15: 54%
  • Hard 16: 62%
  • Hard 17: 69%
  • Hard 18: 77%
  • Hard 19: 85%
  • Hard 20: 92%
  • Hard 21: cannot draw (automatic stand); bust on any hit

Note: these are exact only for an infinite deck. In a 6-deck shoe, the probabilities vary slightly based on cards already dealt. Use this online calculator to compute exact probabilities for your specific situation. The blackjack odds calculator converts these probabilities into optimal strategic decisions.

Dealer Bust Probability by Upcard

The dealer's probability of busting (reaching 22+) based on visible upcard (6-deck, S17 rules):

  • Dealer 2: 35.3% bust
  • Dealer 3: 37.6% bust
  • Dealer 4: 40.3% bust
  • Dealer 5: 42.9% bust
  • Dealer 6: 42.3% bust — the dealer's weakest upcard (highest bust probability)
  • Dealer 7: 26.2% bust
  • Dealer 8: 24.4% bust
  • Dealer 9: 23.3% bust
  • Dealer 10/Face: 21.4% bust
  • Dealer Ace: 17.2% bust (S17 rules)

This is why basic strategy says to stand on 12–16 vs. dealer 2–6 (let the dealer bust) but hit vs. dealer 7+ (dealer is unlikely to bust, so you must improve your hand). The probability simulators provide broader statistical analysis tools.

Blackjack Probability Formula

The probability of being dealt a natural blackjack (ace + 10-value card) from a freshly shuffled 6-deck shoe:

P(blackjack) = 2 × P(ace) × P(10-value | ace) = 2 × (24/312) × (96/311) ≈ 4.75%

The factor of 2 accounts for the ace or 10-value card being either the first or second card dealt. With a fresh shoe, you can expect a blackjack approximately once every 21 hands — which is why "21" is the game's name. In a continuous shuffle machine (CSM), the probability is constant; in a dealt shoe, it varies based on remaining composition.

The Insurance Bet: A Probability Analysis

When the dealer shows an ace, the player is offered insurance (a side bet paying 2:1 that the dealer has blackjack). The breakeven probability of dealer blackjack: 1/(1+2) = 1/3 = 33.3%. Actual probability: in a 6-deck shoe with no knowledge of other cards, P(dealer 10 in hole) = 96/311 ≈ 30.9% — below the 33.3% breakeven. Insurance has a house edge of approximately 7.5% and is never the correct play for a basic strategy player. Exception: card counters with a true count above approximately +3 (deck very rich in tens) may take insurance profitably. For everyone else: always decline insurance — it is one of the worst bets in the casino.

Visual Analysis

How It Works

Enter your current hand total (hard or soft) and optionally the dealer's upcard. For bust probability: counts how many card values cause a bust from your current total, divides by 13 (infinite deck approximation) or adjusts for remaining shoe composition. For dealer probabilities: simulates all possible dealer draws from the upcard, applying mandatory hit/stand rules (dealer hits below 17, stands on 17+), and computes the frequency of each final outcome.

Understanding Your Results

Bust Probability shows your chance of going over 21 if you hit. Safe Hit Probability is the complement (chance of staying at 21 or below). Cards That Bust shows the minimum card value that would bust you (e.g., 7 means any card valued 7-10/A would bust). Approx Win % (if Stand) estimates your winning chance if you keep your current total. Dealer Bust Probability shows how likely the dealer is to bust based on their upcard.

Basic strategy recommends hitting when bust probability is acceptably low and the dealer has a strong upcard (7-A), and standing when the dealer has a weak upcard (2-6) and is likely to bust.

Worked Examples

Hand 15 vs Dealer 7

Inputs

player hand15
dealer upcard7
decks6

Results

bust probability58.46
safe probability41.54
cards that bust7
stand win approx30.4
dealer bust approx26.2

With a hand of 15 against dealer's 7, hitting has a 58.5% bust chance. However, standing gives only ~30% win probability since dealer 7 has a low bust rate. Basic strategy says hit here despite the high bust risk.

Hand 12 vs Dealer 5

Inputs

player hand12
dealer upcard5
decks6

Results

bust probability30.77
safe probability69.23
cards that bust10
stand win approx51.9
dealer bust approx42.9

With hand 12 against dealer's 5, only 10-value cards bust you (30.8%). The dealer showing 5 has a 42.9% bust probability. Basic strategy says stand here because the dealer is likely to bust.

Frequently Asked Questions

From a hard 16, drawing a 6, 7, 8, 9, 10, J, Q, or K causes a bust (8 out of 13 card values). Probability ≈ 8/13 ≈ 61.5% in the infinite deck approximation. In an actual 6-deck shoe with typical cards remaining, the probability is similar: approximately 61–63%. This high bust probability is why hard 16 is the most difficult hand in blackjack — you have a roughly 62% chance of busting if you hit, but if you stand, the dealer will frequently make 17+ from strong upcards (7, 8, 9, 10, Ace) and beat your 16. Basic strategy says to hit 16 vs. dealer 7+ (the hitting loss rate is marginally better than the standing loss rate) and stand vs. 2–6 (hoping the dealer busts).
Dealer 6 is considered the dealer's weakest upcard because it is assumed the dealer has a 10 in the hole (the most common 10-value card), giving a combined 16 — the same terrible hand the player faces. The dealer must hit 16 by rule and has a 61%+ chance of busting when drawing from 16. More precisely: P(dealer bust | 6 upcard) = 42.3% in a 6-deck game. While dealer 5 and 4 also have high bust probabilities (42.9% and 40.3%), dealer 6 has the highest probability of having the 10-in-hole scenario (approximately 30.7% of the remaining cards are 10-value). This is why basic strategy doubles down aggressively against dealer 4, 5, and 6 — the dealer is most likely to bust, making doubling your bet favorable.
In a freshly shuffled 6-deck shoe (312 cards): 24 aces and 96 ten-value cards (10, J, Q, K). P(first card ace) = 24/312; P(second card 10-value | first ace) = 96/311. P(first card 10-value) = 96/312; P(second card ace | first 10-value) = 24/311. Total P(blackjack) = (24/312 × 96/311) + (96/312 × 24/311) = 2 × 0.02368 = 4.74%. This means one blackjack per approximately 21 hands — which is why the game is historically called '21'. At a 3:2 blackjack payout, receiving a blackjack wins USD 1.50 per USD 1 wagered. The expected value contribution of blackjacks to the player: approximately 4.74% × 0.50 (extra half-unit profit vs. regular win) = +0.237% to player EV.
No — insurance should never be taken in basic strategy play. Insurance pays 2:1 on a side bet that the dealer has blackjack. The breakeven probability required for insurance to have positive EV: 1/(2+1) = 33.3%. In a 6-deck shoe, the actual probability that the dealer's hole card is a 10-value is 96/311 = 30.9% — below breakeven. House edge on insurance: approximately 7.5% — one of the worst bets in the casino. The only exception: advanced card counters who know the count is very high (true count above +3, indicating an unusually high proportion of 10-value cards remaining) may take insurance profitably. For all other players, always decline insurance regardless of what your own hand is.
Against a dealer who plays by the house rules (hits below 17, stands on 17+), a player following basic strategy wins approximately 42–44% of hands, loses 46–48%, and pushes (ties) 8–9%. The winning percentage below 50% is why the game has a house edge — but the player also collects a 3:2 bonus on natural blackjacks (approximately 4.74% of hands), which partially offsets the win rate disadvantage. The overall player EV with perfect basic strategy: approximately −0.5%, meaning the player loses about USD 0.50 per USD 100 wagered on average. This is better than any other standard casino table game — roulette has approximately 2.7% house edge, baccarat 1.06–1.24%.
Single-deck blackjack has the best theoretical odds for the player, with house edge approximately 0.17% vs. 0.5% for 6 decks with identical rules. The difference comes from card depletion effects: in a single deck, drawing a card meaningfully changes the remaining composition, which slightly favors the player in several situations (natural blackjack probability: 4.83% single deck vs. 4.75% 6-deck; advantageous card counting opportunities appear more quickly). However, casinos compensate: single-deck games almost always pay 6:5 for blackjack instead of 3:2 (adding 1.39% house edge) and offer fewer player-favorable rule options. In practice, a 6-deck game with 3:2 blackjack and liberal rules is usually a better game than a single-deck game with 6:5 and restrictive rules.

Sources & Methodology

Griffin, P. (1988). The Theory of Blackjack, 6th ed. Huntington Press. Shackleford, M. (2024). Wizard of Odds — Blackjack House Edge Calculator. Thorp, E.O. (1966). Beat the Dealer: A Winning Strategy for the Game of Twenty-One. Vintage Books.

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