Baccarat house-edge calculator
Change the two terms players most often see altered at a table—Banker commission and Tie payout—and watch the expected return move.
This calculator uses the standard eight-deck punto banco outcome probabilities: Banker 45.8597%, Player 44.6247%, Tie 9.5156%. It does not model commission-free variants that change what happens on particular Banker wins.
Why commission matters
Banker wins slightly more often because it acts after the Player drawing decision is known. Standard baccarat offsets that structural advantage by paying a winning Banker wager less than even money. The common 5% commission produces an eight-deck Banker house edge of about 1.06%.
Zero commission in this slider is a hypothetical payout change
A real no-commission baccarat game normally changes another rule—such as pushing a three-card Banker 7 or paying only half on a winning Banker 6. Use the dedicated commission-vs-no-commission guide for those variants.