Trixie, Patent, Yankee, Lucky 15, Canadian, Heinz, Super Heinz and Goliath — with non-runners handled properly.
A full-cover bet places every combination of your selections at once, so you get a return even when not all of them win. Pick the bet type, enter the odds and what happened, and every constituent bet is settled line by line.
#SelectionOddsResult
Odds accept fractions (5/2), decimals (3.50), moneylines (+150 or -200) and evens. Use Place only on an each-way bet — on a win-only bet a placed selection has lost.
Bonus terms vary by bookmaker and are only offered on the Lucky bets — 15, 31 and 63. The defaults are the common Lucky 15 terms. Set the bonus to 0 and the consolation to none for a bet without them.
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Profit
Number of bets—
Total stake—
Winning bets—
Consolation bonus—
All-winners bonus—
Total return—
Profit / loss—
Every bet, line by line
Assumes fixed odds taken at the price shown, no rule 4 deductions, no dead heats and no place-term changes after a non-runner. Non-runners settle at odds of 1.00 rather than as losers, which is standard practice — the stake is not refunded, because the bets containing them still stand on their other legs. The consolation bonus is applied only when exactly one selection wins and there are no non-runners, which is the stricter of the two conventions bookmakers use. The all-winners bonus is applied to the total return, not the profit. Bonus terms differ between bookmakers, so check your own before relying on these figures.
About this calculator
A full-cover bet is simply every possible combination of your selections, staked at once. Three selections give three doubles and one treble — that is a Trixie, four bets. Four selections give six doubles, four trebles and a fourfold: a Yankee, eleven bets. Add the singles and a Yankee becomes a Lucky 15. The bets are not chosen by the bookmaker; they are the complete mathematical set, which is why the numbers are always the same and why this calculator generates them from the selection count rather than looking them up.
The reason they cost more than an accumulator is that each combination is a separate bet with its own stake. A £1 fourfold costs £1. A £1 Lucky 15 on the same four selections costs £15, because you are placing fifteen bets. What you get for that is partial success: with one winner out of four, the fourfold returns nothing at all, while the Lucky 15 pays out on that selection's single. That is the whole trade, and it is worth being clear-eyed about the direction of it — you are paying fifteen units to reduce the chance of getting nothing back, not to increase the expected return. The bookmaker's margin applies to every one of those fifteen bets.
The bonuses are what make the Lucky bets distinctive, and they are the reason the sums are worth doing properly. The consolation bonus pays extra when exactly one of your selections wins, typically by settling that winning single at double the odds — so a 2/1 winner pays as though it were 4/1. The all-winners bonus adds a percentage, commonly 10%, when every selection wins, and it is applied to the total return rather than the profit, which makes it worth noticeably more than it first sounds. Both are genuine value, both vary between bookmakers, and neither is enough to overturn the margin built into fifteen separate bets.
Non-runners are where most calculators go wrong, and it matters because they are common. A non-runner is not a loser — it is settled at odds of 1.00, which means it multiplies its bets by one and drops out of them. The consequence is that the bet collapses to the cover of the remaining selections. A Lucky 15 with one non-runner behaves as a Patent on the other three, plus a void single that returns its stake. Your stake is not refunded in full, because the bets containing the non-runner still stand on their other legs and are settled on those. Set a selection to Non-runner above and the breakdown will show exactly which lines are affected.
On an each-way full cover, the win part and the place part are settled as two entirely separate bets of the same shape. An each-way Lucky 15 is thirty bets, not fifteen, and costs twice as much. The place part uses a stated fraction of the win odds, applied to the profit rather than the whole price — a selection at 10.0 with 1/5 place terms pays 2.8 on the place part, not 2.0. A selection that wins has also placed, so it counts on both halves; a selection that places but does not win returns on the place part alone. The number of places paid does not enter the calculation here, because you are telling the calculator whether each selection placed rather than asking it to work that out from a field size.
This is a settlement tool, not a recommendation. Full-cover bets have a higher total stake and a bookmaker margin applied to every constituent bet, so the more bets a wager contains, the more of the stake is expected to be lost over time. If you gamble, treat the stake as the cost of the entertainment rather than an investment, and if it stops feeling like that, BeGambleAware and the National Gambling Helpline on 0808 8020 133 are free and confidential.
Frequently asked questions
What is a full cover bet?
A single wager containing every possible combination of your selections above a given size. Three selections produce three doubles and a treble — a Trixie. Four produce six doubles, four trebles and a fourfold — a Yankee. Adding the singles turns each into its "Lucky" or "Patent" equivalent. Because each combination is a separate bet with its own stake, a full cover bet costs many times a straight accumulator on the same selections, and pays out on partial success where an accumulator would return nothing.
What happens to a full cover bet if there is a non-runner?
The non-runner is settled at odds of 1.00, not as a loser. That means every bet containing it is reduced rather than lost — a double becomes a single, a treble becomes a double. A Lucky 15 with one non-runner settles as two Patents on the remaining three selections plus the void single's stake — the seven bets that never involved it form one Patent, and the seven that did collapse into the equivalent of a second. That is considerably more than the one Patent people often assume. Your full stake is not refunded, because the affected bets still stand on their other legs. This calculator handles it correctly; many do not.
How many bets are in a Lucky 15, a Heinz and a Goliath?
A Lucky 15 is fifteen: four singles, six doubles, four trebles and a fourfold from four selections. A Heinz is fifty-seven, being every double through to the sixfold from six selections. A Goliath is 247 — every double through to the eightfold from eight selections, with no singles. Each figure is just the total of the relevant combinations, which is why they are fixed and identical at every bookmaker.
How does the Lucky 15 one-winner bonus work?
If exactly one of your four selections wins, most bookmakers settle that winning single at double the odds — a 2/1 winner paying as 4/1. Only the single is boosted; the losing combinations still return nothing. The usual condition is that there must be no non-runners in the bet, and this calculator applies that stricter reading. Terms vary, so check yours, and note that some bookmakers treble rather than double.
Is a Lucky 15 better than a fourfold?
Neither is better; they buy different things. The fourfold costs one unit and pays only if all four win. The Lucky 15 costs fifteen units and pays something on a single winner, with bonuses on top. You are paying fifteen times the stake to reduce the chance of getting nothing back, and the bookmaker's margin applies to all fifteen bets — so the more bets in the wager, the more of the stake is expected to be lost over time. Which suits depends on whether you would rather rarely win a lot or often win a little.
How is an each-way full cover bet settled?
As two separate bets of the same shape, so an each-way Lucky 15 is thirty bets and twice the stake. The win part settles on winners only; the place part settles on anything that placed, at a stated fraction of the win odds applied to the profit. A selection at 10.0 on 1/5 place terms contributes 2.8 to the place part. Winners count on both halves, since a winner has also placed.