On this page
The Lucky 15 is one of the most popular bets in UK horse racing, especially on big Saturdays and festival days. You pick four selections and the bet covers every possible combination: 15 bets in total. Because just one winner gives you a return, it is a great bet for punters who want a shot at a big payout without needing everything to go right. Use our Lucky 15 calculator below to see exactly what your bet pays.
Lucky 15 calculator
Compare odds at Tip-Top or Jackpot City
What is a Lucky 15?
New! Our Top 3:
18+ · New UK players only · T&Cs apply. 100% up to £1.500 + 250 Free Spins Please gamble responsibly · BeGambleAware.org
18+ · New UK players only · T&Cs apply. 100% up to £1.500 + 300 Free Spins Please gamble responsibly · BeGambleAware.org
18+ · New UK players only · T&Cs apply. 100% up to £300 + 200 Free Spins Please gamble responsibly · BeGambleAware.org
No casinos match this filter yet.
A Lucky 15 is a full cover bet with four selections in different events. It is made up of 15 separate bets of equal stake:
| Part of the bet | Number of bets | What needs to win |
|---|---|---|
| Singles | 4 | Any one selection |
| Doubles | 6 | Any two selections |
| Trebles | 4 | Any three selections |
| Four-fold accumulator | 1 | All four selections |
| Total | 15 |
A £1 Lucky 15 therefore costs £15. A £1 each way Lucky 15 costs £30, because every one of the 15 bets has a win part and a place part.
The Lucky 15 is a Yankee with four singles added. A Yankee has the same doubles, trebles and four-fold, but no singles, so you need at least two winners to get any return.
How to use the Lucky 15 calculator
- The calculator opens on Lucky 15 with four selections already added.
- Enter your stake per bet. For a £15 bet, enter £1.
- Choose each way if you want the place part too, and set the place terms.
- Enter the odds for each selection and mark each one as won, placed, lost or void.
The calculator works out all 15 bets, adds up the winning ones and shows the total return and profit. Try changing one result from won to lost to see how much each selection contributes.
Lucky 15 example
You place a £1 Lucky 15 (£15 total) on four horses at 5/2, 2/1, 6/4 and 3/1. All four win.
- Singles: the four singles return £3.50 + £3 + £2.50 + £4 = £13.
- Doubles, trebles and the four-fold: these multiply the odds together, and the four-fold alone returns £105.
- Total return: £314, a profit of £299.
Now suppose only two horses win, the 5/2 and the 3/1 shots. You collect on two singles (£7.50) and one double (£14), so £21.50 back from £15. One winner at 3/1 returns just £4, which is a loss of £11. That shows the strength of the Lucky 15: you get something back from one winner, but you need two or more winners at decent prices to make a profit.
Lucky 15 bonuses and consolation odds
Many UK bookmakers add extras to the Lucky 15 to make it more attractive. Common offers include:
- Consolation odds: if only one selection wins, that single is paid at double or even triple the odds.
- All-winner bonus: if all four selections win, you get a bonus of around 10% to 25% on your returns.
- Each way bonuses: some bookmakers pay a bonus if all four selections are placed.
These offers vary between bookmakers and are often limited to horse racing. They are not included in our calculator, so the real return can be higher. Always check the terms of the offer before you bet.
Is a Lucky 15 a good bet?
The Lucky 15 has clear strengths and weaknesses.
Advantages
- One winner gives you a return.
- A lot of excitement for a small stake per bet.
- Big potential if three or four selections win.
- Bookmaker bonuses add value.
Disadvantages
- The total stake is 15 times your unit stake.
- One winner at short odds usually means a loss.
- Bookmaker margin applies to every bet in the bundle.
A Lucky 15 works best with selections at decent prices, roughly 2/1 and bigger. With four odds-on favourites, the returns are so small that the bet rarely makes a profit.
Lucky 15 each way
An each way Lucky 15 is 30 bets: 15 win bets and 15 place bets. The place bets use the place odds of each selection, for example 1/5 of the win odds. This makes it a popular bet on big racing days, where finishing in the places is realistic even for outsiders. Read more about place terms in our each way calculator.
Bigger full cover bets
If you like the Lucky 15, there are bigger versions with more selections:
- Lucky 31: five selections, 31 bets (5 singles, 10 doubles, 10 trebles, 5 four-folds and 1 five-fold).
- Lucky 63: six selections, 63 bets, including a six-fold.
All of these are available in our bet calculator. More selections means more combinations, but also a much larger total stake.
Tips for choosing Lucky 15 selections
A Lucky 15 rewards a bit of planning. These simple principles help you get more from the bet:
- Mix the prices. Four short-priced favourites rarely make a profit, while four big outsiders rarely land together. A blend of one or two shorter prices with one or two bigger prices gives you a realistic chance of multiple winners with decent returns.
- Pick separate races. Every selection must be in a different event. Most punters pick four races from one meeting or one day, which keeps the bet easy to follow.
- Avoid weak links. Every selection appears in seven of the 15 bets. Do not add a horse just to make up the numbers.
- Take early prices with care. Best Odds Guaranteed protects you if the starting price drifts out, so taking a price in the morning has little downside at a BOG bookmaker.
- Think about each way. In big handicap fields, each way doubles the cost but gives a second route to a return.
Above all, decide your total budget first and work back to the unit stake. A £2 Lucky 15 costs £30, and £60 each way.
Lucky 15 on football
Although the Lucky 15 is mostly linked to horse racing, you can also use it for football. Pick four match results in different games, for example four home wins on a Saturday. Football odds are often shorter than racing odds, so look for selections around evens or bigger. Bookmaker bonuses for one winner are less common on football, so check whether the offer applies before you bet.
Where to place your Lucky 15
The value of a Lucky 15 depends a lot on where you place it: odds, Best Odds Guaranteed and Lucky 15 bonuses make a real difference. These are our top three picks:
18+ · New UK players only · T&Cs apply. 100% up to £1.500 + 250 Free Spins Please gamble responsibly · BeGambleAware.org
18+ · New UK players only · T&Cs apply. 100% up to £1.500 + 300 Free Spins Please gamble responsibly · BeGambleAware.org
18+ · New UK players only · T&Cs apply. 100% up to £300 + 200 Free Spins Please gamble responsibly · BeGambleAware.org
No casinos match this filter yet.
Our pick: place your Lucky 15 at Inky Bet, or compare odds and bonuses at Tip-Top and Jackpot City. See our horse racing betting guide for more tips, and always bet within your budget.
Key points to remember
- A Lucky 15 is 15 bets on four selections: 4 singles, 6 doubles, 4 trebles and a four-fold.
- One winner gives a return, but you usually need two or more winners for a profit.
- A £1 Lucky 15 costs £15, or £30 each way.
- Bookmaker bonuses such as consolation odds can add real value, so compare offers.
- Mix your prices and set your total budget before choosing the unit stake.
A Lucky 15 has 15 bets: 4 singles, 6 doubles, 4 trebles and 1 four-fold accumulator. A £1 Lucky 15 costs £15.
One winner gives you a return. To make a profit you usually need two or more winners, unless your single winner is at big odds or the bookmaker pays consolation odds.
A Yankee has the same 11 doubles, trebles and four-fold but no singles. A Lucky 15 adds four singles, so one winner already returns something.
£30. Each of the 15 bets has a win part and a place part, so there are 30 bets of £1.
No. Consolation odds and all-winner bonuses vary by bookmaker, so the calculator shows the standard return. Your actual return may be higher.