Over/Under Calculator
Calculate payouts for totals (over/under) markets. Enter the line, both odds and your stake to see profit on each side and the bookmaker margin.
How to Use This Calculator
- Select your odds format
- Enter the line (e.g., 2.5 goals or 47.5 points)
- Enter the over and under odds
- Enter your stake
- View payouts, profits and margin
Formula
Payout = Stake × Decimal Odds
Margin = (1 / Over Odds) + (1 / Under Odds) − 1
Lines ending in .5 cannot push. Lines on whole numbers (2.0, 47.0) push if the total lands exactly on the line — the stake is returned.
Frequently Asked Questions
What are over/under bets?
Over/under (also called totals) bets are wagers on whether the combined score, goals or points in a game will be higher (over) or lower (under) than a posted line. Lines like 2.5 (soccer) or 47.5 (NFL) are the most common; the .5 ensures there’s no push outcome.
What happens if the score lands exactly on the line?
If the line is a whole number (e.g., 2.0) and the total exactly matches, the bet pushes — your stake is refunded with no profit. Half-point lines (.5) avoid this entirely. Quarter lines (.25, .75) split your stake so half pushes and half wins or loses.
Why are over/under odds usually around -110?
Bookmakers set the line to attract roughly equal action on both sides. The -110 odds (decimal 1.91) represent the standard 4.5-5% bookmaker margin. Sharp books may offer -105 or even -102 on top markets.
How do you find value in totals?
Compare the bookmaker’s line to a model — Poisson for soccer, points-per-possession for basketball. If your projection differs from the line by more than the margin, it can indicate value. Always shop multiple books for the best line and odds.