On this page
- How to use the acca calculator
- What is an accumulator?
- New! Our Top 3:
- How accumulator returns are calculated
- Each way accumulators
- What happens with a non-runner or void leg?
- Why accas are harder to win than they look
- Acca insurance and boosts
- Tips for building a better acca
- Acca example: a five-fold on Saturday football
- Acca vs Yankee vs Lucky 15
- Where to place your acca
- Key points to remember
- Other betting calculators
Use our free acca calculator to see exactly what your accumulator will pay. Enter the odds of each selection in fractional or decimal format, choose your stake and set each leg to won, placed, lost or void. The calculator works out your total stake, potential return and profit straight away, including each way accas and non-runners.
Acca calculator
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How to use the acca calculator
- Choose Accumulator as the bet type. Add a selection for every leg of your acca.
- Enter the odds for each selection, for example 5/2, 11/10, evens or 3.50.
- Enter your stake. For a standard acca, this is your total stake.
- Switch on each way if you want a win and a place part, and choose the place terms.
- Set the result of each leg to see what the bet returns, or leave them on won to see the maximum return.
What is an accumulator?
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An accumulator, or acca, is a single bet that combines several selections from different events. A double has two selections, a treble three, and anything with four or more is usually called an accumulator. The odds of every leg are multiplied together, which is why small stakes can produce big returns. The catch is simple: every selection must win, or the whole bet loses.
| Selections | Name | Example odds per leg | Combined odds |
|---|---|---|---|
| 2 | Double | 2/1 and 2/1 | 8/1 |
| 3 | Treble | 2/1, 2/1 and 2/1 | 26/1 |
| 4 | Four-fold acca | 2/1 each | 80/1 |
| 5 | Five-fold acca | 2/1 each | 242/1 |
How accumulator returns are calculated
The calculation is straightforward once you use decimal odds. Convert each price to decimal by dividing the fraction and adding 1: 5/2 becomes 3.5, evens becomes 2.0. Multiply all decimal odds together and multiply the result by your stake. A £5 acca at 3.5, 2.0 and 2.5 returns £5 × 3.5 × 2.0 × 2.5 = £87.50, which is £82.50 profit. Our calculator does this for you, and it also handles fractional odds such as 11/8 or 13/10 automatically.
Each way accumulators
An each way acca is two bets in one: a win acca and a place acca. If every selection wins, both parts pay. If every selection at least places, only the place part pays, at a fraction of the odds. Each way accas are popular on horse racing and golf, where outsiders often finish in the places. Remember that the total stake is doubled, so a £5 each way acca costs £10.
What happens with a non-runner or void leg?
If a selection is a non-runner or the event is void, that leg is usually treated as a winner at odds of 1.0, which means it is simply removed from the bet. A four-fold acca with one void leg becomes a treble. Set the result to void in the calculator to see the new return. Rule 4 deductions on horse racing are not included in the calculation.
Why accas are harder to win than they look
Big acca odds are tempting, but they reflect how unlikely it is that everything goes right. If each leg has a 50% chance of winning, a four-fold has only a 6.25% chance and an eight-fold less than 0.4%. On top of that, every price includes the bookmaker margin, and those margins multiply too. That does not mean accas are a bad bet, as long as you treat them as a fun, low-stake way to chase a bigger return rather than as a reliable way to make money. Keeping the number of legs modest and choosing selections you have actually researched gives you the best chance. The implied probability shown under each selection in the calculator helps you see how likely the bookmaker thinks each leg is.
Acca insurance and boosts
Many bookmakers offer acca insurance, which refunds your stake as a free bet if one leg lets you down, and acca boosts, which increase your winnings by a percentage depending on the number of legs. These offers can add value, but always check the minimum odds per leg and the minimum number of selections. Under UK rules, wagering on free bets and bonuses is capped at 10x.
Tips for building a better acca
- Keep it short: every extra leg multiplies the odds but also the risk. Four to six legs is a common sweet spot.
- Avoid very short prices: adding a 1/5 favourite barely increases the odds but can still sink the bet.
- Mix markets carefully: both teams to score and over 2.5 goals can be combined, but they are not independent.
- Compare odds: a small difference per leg makes a big difference to the combined price.
- Consider system bets: a Yankee or Lucky 15 still pays out if not every selection wins. Try our Lucky 15 calculator.
Acca example: a five-fold on Saturday football
You place a £5 five-fold accumulator on five home wins. The table shows how the return grows with every leg, because each winning leg rolls the full return into the next one.
| Leg | Odds | Decimal | Running total for £5 |
|---|---|---|---|
| 1 | Evens | 2.00 | £10.00 |
| 2 | 4/5 | 1.80 | £18.00 |
| 3 | 6/4 | 2.50 | £45.00 |
| 4 | 2/1 | 3.00 | £135.00 |
| 5 | 11/10 | 2.10 | £283.50 |
If all five win, your £5 returns £283.50. The combined odds of 56.70 imply a chance of under 2%, before the bookmaker margin is taken into account. That is the trade-off of every acca: big returns for a small stake, but a low chance of landing.
Acca vs Yankee vs Lucky 15
If you have four selections, a straight four-fold acca is the cheapest way to back them together, but one loser ends the bet. A Yankee covers the same four selections with 11 bets, so it still pays with two or three winners. A Lucky 15 adds four singles, so even one winner returns something. The more cover you buy, the higher the total stake. Choose a straight acca when you are confident in every leg, and a full cover bet when you want a safety net.
Where to place your acca
Once you have worked out your returns, compare the odds and acca offers at the bookmakers below. Look for acca insurance, boosts and fast payouts.
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Key points to remember
- An accumulator multiplies the odds of every leg, so returns grow fast.
- Every leg must win. One loser and the whole bet loses.
- A void leg or non-runner is removed and the acca drops down a fold.
- Each way accas are two bets: a win acca and a place acca.
- Full cover bets such as a Yankee or Lucky 15 give you a safety net at a higher total stake.
Other betting calculators
Our bet calculator handles singles, doubles, trebles and full-cover bets such as the Trixie, Patent and Heinz. For horse racing, our each way calculator shows how place terms affect your returns. New to racing bets? Read our horse racing betting guide, or compare bookmakers on our betting sites page.
Convert each price to decimal odds, multiply them together and multiply the result by your stake. Our acca calculator does this automatically.
The void leg is usually removed from the bet and the remaining selections stand. A four-fold with one void becomes a treble.
An accumulator usually has four or more selections. Two selections is a double and three is a treble.
It is a win accumulator plus a place accumulator. The total stake is doubled, and the place part pays if every selection at least places.
No. Rule 4 deductions, dead heats and bookmaker bonuses are not included, so always check your bet slip.
Bet responsibly. Accumulators are high risk: set a budget and never chase losses. For free and confidential support, visit BeGambleAware.org. 18+ only.