Lucky 15 Calculator

A Lucky 15 is a popular "full cover" bet that consists of 15 individual bets placed on 4 different selections.1

It is widely used in horse racing and football because it provides a "safety net."2 Unlike a standard accumulator where one loss ruins the whole bet, a Lucky 15 still pays out even if only one of your selections wins.3

What Makes Up a Lucky 15?

When you pick four horses or teams, the bookmaker automatically breaks them down into 15 separate combinations:

• 4 Singles: One bet on each selection to win.4
• 6 Doubles: Every possible pair of your selections.5
• 4 Trebles: Every possible group of three.6
• 1 Four-Fold:7 All four selections must win together (an accumulator).8

How the Stake and Cost Work

Because you are placing 15 separate bets, your stake is multiplied by 15.9

• If you stake $1, your total cost is $15.10
• If you stake $5, your total cost is $75.11

Why is it Called "Lucky"?

The "Lucky" part comes from the bonuses that most bookmakers offer to sweeten the deal:

1. Consolation Bonus: If only one of your four selections wins, many bookies will double or triple the odds for that single winner.12
2. All-Winner Bonus: If all four of your selections win, you often get a 10% to 20% bonus added to your total winnings.13

A Simple Example

Imagine you bet on four horses: A, B, C, and D.

Outcome | What You Win0 Winners | You lose your total stake.
1 Winner (Horse A) | You win the single bet for Horse A (often with a "double odds" bonus).
2 Winners (A & B) | You win 2 singles and the A+B Double.
3 Winners (A, B & C) | You win 3 singles, 3 doubles, and the A+B+C Treble.
4 Winners (All) | You win all 15 bets, including the big four-fold accumulator + a bonus.