Bankroll discipline
The model turns discretionary bankroll assumptions into unit size, unit count, session budget, stop-loss amount, daily cap, losing-unit runway and readiness labels.
Bankroll methodology
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Formula v2.1
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Reviewed May 17, 2026
Bankroll Calculator Methodology
This page explains how the bankroll calculator works, why it is not Kelly, why it does not model edge, and how its readiness score, QA fixtures, privacy boundary and responsible-gambling stop gates are maintained.
What the method owns
Not Kelly
Kelly requires a credible true-probability estimate and edge assumption. This page does not ask for either, so it never outputs a Kelly fraction.
Not edge modeling
The method does not decide whether a bet is good, whether odds are fair, whether a game is beatable, or whether a session should continue.
Formula v2.1
| Output | Formula or rule | Limit |
|---|---|---|
| Unit size | Bankroll x unit percentage, or the flat unit entered by the user. | Does not say the unit is profitable. |
| Required bankroll | Desired unit / selected unit percentage. | Reverse mode is a sizing check only. |
| Session budget | Bankroll / planned sessions per month. | Not a goal to play more often. |
| Stop-loss and daily cap | Bankroll x selected percentage. | A stop rule, not a way to improve odds. |
| Losing-unit runway | Floor(stop-loss or daily cap / unit size). | Not a probability-of-ruin model. |
| Readiness score | Plain-language label based on discretionary-money confirmation, budget check, unit count, warnings and cooling-off trigger. | Not a safety certification. |
Stop-gate logic
- If discretionary-money confirmation is not checked, the result moves to a stop/support label.
- If bankroll exceeds the entered monthly entertainment budget, the result asks for lower exposure or a pause.
- If stop-loss or daily exposure is high, the page uses warning language, not reassurance.
- If the cooling-off trigger is pressure to deposit or raise stakes, the next route is support, not another calculator.
- If a user needs edge, value, legality, payout or tax answers, the bankroll calculator stops owning the problem.
QA and public fixtures
Fixture coverage
The public fixture file covers percentage units, flat units, budget warnings, reverse mode, session tracking, invalid inputs and share URL boundaries.
Static plan packets
TXT and CSV templates are provided for offline record keeping. They intentionally exclude private-data fields.
Privacy and safety policy
No storage required
The calculator can run in the browser with assumptions only. Users should not enter account IDs, passwords, SSNs, card numbers, bank details, document numbers or private screenshots.
RG trigger
If the result creates urgency, chasing, repeated deposits, loss-recovery behavior or pressure to raise stakes, stop. In the U.S., call or text 1-800-MY-RESET. State-specific resources may vary.
Return to the calculator
Use the main tool for live inputs, exportable summaries, shareable assumption URLs and print-only plan packets.