House Edge: What Each Table Bet Costs You Over Time

By GG Panalo Editorial Team

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House edge is the price tag on a game, shown as a percentage of every peso you stake. It does not tell you what happens tonight. It tells you what happens on average when thousands of rounds are pooled, and it decides how long a budget lasts.

House edge and RTP: the same number, two sides

RTP is return to player, the share paid back. House edge is the share kept. They always add up to 100 percent.

  1. Edge of 2.70 percent means RTP of 97.30 percent.
  2. Edge of 7.87 percent means RTP of 92.13 percent.
  3. Edge of 14.36 percent means RTP of 85.64 percent.

Quick check: studios publish RTP for slots, but a table game sets its cost through payouts and chances, which is why you work out the edge from the rules.

Table game edges side by side

Figures are standard arithmetic for common rules. A table with different payouts has a different edge, so confirm it on the game’s panel.

Game and betEdge
Blackjack, basic strategyabout 0.5%
Baccarat, Banker (5% commission)1.06%
Baccarat, Player1.24%
Roulette, single zero2.70%
Sicbo, Big or Small2.78%
Dragon Tiger, Dragon or Tiger3.7% to 7.5%
Roulette, double zero5.26%
Color Game, classic payouts7.87%
Dragon Tiger, Tie at 11 to 1about 10.4%
Baccarat, Tie at 8 to 114.36%

Each figure comes from the rules on its own page: Banker and Tie baccarat maths, single-zero roulette pockets, sicbo payouts, the Color Game dice, Dragon Tiger Tie pay and blackjack basic strategy.

How to work out an edge yourself

Use one formula for any bet: edge = 1 minus (chance of winning x total returned on a win, stake included).

Take the Color Game as the example. One die matching returns 2 units total with a chance of 75 in 216, two dice return 3 with 15 in 216, three dice return 4 with 1 in 216. Add them: 150 + 45 + 4 = 199 in 216. The edge is 17 in 216, about 7.87 percent.

Edge in pesos: expected cost

Expected cost = edge x total staked. Total staked is the bet size times the number of rounds, not your balance.

Bet sizeRoundsTotal stakedCost at 2.78%Cost at 14.36%
₱20100₱2,000₱56₱287
₱10050₱5,000₱139₱718

The average hides the swing. In one session you may win ₱1,000 or lose ₱2,000, and the edge simply stays in the background of both.

What a low edge cannot do

No bet system changes the edge. Doubling after a loss, following streaks or switching bets all leave it where the rules put it. What does change the outcome is how many rounds you play, which is why fast games cost more per hour.

The GG Panalo lobby lists software table titles from JILI and Rich88, and JILI publishes no RTP, so those editions show no sourced return here. Read each game’s info screen, and use the login pages, lobby versus partner and register pages, lobby versus partner to reach the lobby, the download notes on app shortcuts for shortcuts and the GCash casino wallet position for wallet limits. Every game guide is linked from the live casino game guides.

How to Get Started

  1. Find the bet's edge

    Look it up in the table below or work it out from the payout and the chance of winning.

  2. Multiply by what you stake

    Edge times total staked, not times your starting balance, gives the average cost.

  3. Choose the cheapest bet you enjoy

    Compare edges before picking a game, then set a limit on the total you will stake.

Studios whose games these tips cover

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Short answers, thumb-sized

What is house edge in simple words?

It is the average cut a game keeps from every peso bet. A 2 percent edge keeps about ₱2 of each ₱100 staked, over many rounds.

How is house edge different from RTP?

They add to 100 percent. A game with 96 percent RTP has a 4 percent edge. Studios publish RTP for slots, while table games state their edge through the rules.

Which table bet has the lowest edge?

Banker in baccarat at about 1.06 percent, and blackjack played by basic strategy at about half a percent, are among the lowest.

Do JILI games publish their RTP?

No. With no RTP released by JILI, a JILI title in the lobby has an unpublished return, and only the in-game panel can tell you.