Bonus turnover calculator
A bonus is not free money. It is a commitment to wager a specific amount within a fixed window, and the size of that commitment is rarely the number printed on the banner. Put your terms in below and see what you would actually be agreeing to.
On this page
Use the calculator
You only need the terms from the promotion and your own numbers. Everything stays in your browser: there is no server involved, nothing is submitted, and no figure you type leaves the page.
It cannot, and neither can anything else. Every game in the app carries a house edge, and wagering more means exposing more money to it. What the calculator does is show you the true size of the commitment before you accept it. Meeting a requirement by playing longer is not a strategy for coming out ahead.
The same maths, written out
If you would rather not use the tool, or you are reading this with JavaScript blocked, here is the whole calculation in round numbers. Nothing below depends on the calculator working.
You deposit 100 and claim a 100% match bonus, so 100 in bonus credit is added. The terms say 10x turnover on the bonus. That means 10 multiplied by the bonus: 1,000 in total wagers before any of it converts to withdrawable cash.
That is the version the promotion shows you. Now apply the contribution rate, which is where the real number appears.
| Game type | Contribution | Wagers actually needed | At 1 per bet |
|---|---|---|---|
| Slots | 100% | 1,000 | 1,000 bets |
| Slots, reduced | 50% | 2,000 | 2,000 bets |
| Live dealer tables | 20% | 5,000 | 5,000 bets |
| Excluded games | 0% | Never clears | Bets do not count at all |
Put the last two rows together and the shape of the trap is obvious. A player who wants to sit at a live baccarat table has a requirement five times larger than the headline figure, and a player whose favourite game is excluded cannot clear it at all, no matter how long they play.
There is one more term that changes the arithmetic completely: whether the multiplier applies to the bonus alone or to the deposit plus the bonus. On a 100 deposit with a 100 bonus, the second version starts from 200 rather than 100, so the same 10x becomes 2,000 in wagers instead of 1,000. One line in the terms, double the commitment.
The three terms that decide everything
Ignore the bonus headline. These three terms, taken together, tell you whether a promotion is worth claiming.
The multiplier and its basis
The multiplier is only half the story. Find out whether it applies to the bonus alone or to the deposit plus the bonus, because the second can double the requirement from the same headline number.
The contribution table
The most important and least advertised term. It tells you what fraction of each bet counts toward the requirement, and it varies by game. A rate of 20% makes every requirement five times larger.
The maximum bet cap
Most bonuses cap the stake allowed per bet while the bonus is active. Breaching the cap can void the bonus and everything won from it. It hides in the conditions, and raising your bet is exactly what a long requirement tempts you to do.
There is almost always an expiry window measured in days. Miss it with a requirement outstanding and the bonus, plus anything won from it, is normally removed. Set a reminder for the expiry date the moment you claim. A requirement that looked achievable on day one looks very different on day twenty-nine.
Why the contribution rate outweighs the multiplier
Multipliers get compared. Contribution rates get ignored, and that is backwards, because of the way the two interact.
A multiplier is a straight comparison: 10x is better than 20x, all else being equal. A contribution rate is a divisor, so it scales the entire requirement. Going from 100% to 20% does not make the requirement a fifth worse. It makes it five times bigger.
Which is why a 5x bonus at 20% contribution is a far heavier commitment than a 15x bonus at 100%. The first works out to 25 times the bonus in wagers. The second works out to 15 times. The bonus with the lower, friendlier-sounding multiplier is the worse deal, and nothing on the promotion page will tell you that.
Ask support, in writing, for the game contribution table and the maximum bet cap. Two sentences. If they will not provide both clearly, decline the bonus. There is no version of this where accepting a bonus you do not understand works out in your favour.
Should you take the bonus at all?
There is no universal answer, but there is a reasonable test. A bonus makes sense only if you were going to wager roughly that amount anyway. If you want the wider picture first, including which offers are legitimate at all, the free credit guide covers that and the scam patterns that use the phrase as bait.
- If the requirement is smaller than your normal play, a bonus is close to free extra playing time. Take it, and note the expiry.
- If the requirement is far larger than you would ever bet, you are not receiving a bonus. You are being sold a reason to play more than you planned. That is the entire commercial purpose of a generous-looking promotion.
- If your game of choice is excluded or heavily reduced, the bonus is close to worthless to you regardless of the headline. Be honest about whether you would change how you play in order to clear it. If the answer is yes, that is the bonus changing your behaviour rather than rewarding it.
- If you would have to deposit more than your limit to qualify, the answer is no. A bonus is never a reason to move a deposit limit upwards.
One last piece of arithmetic worth sitting with. Wagering 1,000 through a game with a 3% house edge costs about 30 in expectation, whatever happens on any individual spin. That is the real price of meeting a requirement, and it is why a bonus is best understood as discounted entertainment rather than as a way to come out ahead.
What this tool does not do
- It does not predict outcomes. Every game in the app is driven by a random number generator with a built-in house edge. No calculation changes the next spin.
- It does not know your operator's exact terms. Contribution tables and caps vary, and they change without notice. The figures here come from what you type in, so the input is only as good as the terms you read.
- It does not cover every clause. Operators also impose game weighting by category, time limits, withdrawal caps on bonus winnings, and rules about which bets count. The cashier and the full terms are authoritative and this page is not.
- It does not tell you whether to gamble. That is your decision, made with money you can afford to lose, ideally with a deposit limit set before you start playing.
Bonus questions
Is a bigger bonus always better?
No, and treating the bonus amount as the headline is how people end up worse off. A large bonus with a high multiplier and a poor contribution rate can commit you to far more wagering than a smaller bonus on generous terms. Compare the total wagering, not the number in the banner.
Why does the contribution rate matter more than the multiplier?
Because it multiplies the requirement rather than adding to it. A 20% rate means only a fifth of each bet counts, so the requirement becomes five times larger. A 10x multiplier at 100% is 10 times your bonus in wagers; the same 10x at 20% is 50 times. The rate is usually buried in the terms rather than shown in the promotion.
What is the maximum bet rule?
Many bonuses cap the stake allowed per bet while the bonus is active, and breaching the cap can void the bonus and anything won from it. It is one of the most commonly missed terms because it sits in the conditions. Check the cap before you raise your bet, not after.
Does the calculator tell me whether I will win?
No, and nothing can. Every game carries a house edge, so wagering more always means exposing more money to it over time. The calculator only does arithmetic on the operator's terms so you can see the size of the commitment before you accept it.
Can I remove a bonus after claiming it?
Some operators will void a bonus on request, which usually removes the bonus and anything won from it while returning your own deposit. Others will not. Ask before you claim, because removing a bonus halfway through a requirement is frequently not possible.
Do bonuses apply to the games I actually want to play?
Often not fully. Slots usually count in full, while live dealer tables and some table games are reduced or excluded from bonus play entirely. If you mainly play live baccarat or roulette, a bonus may be close to useless to you.
More context: the turnover section of the account guide, or why a bonus can hold your own deposit on the withdrawal page.
Put this calculator on your own site
Forums, comparison sites and anyone writing about bonus terms is welcome to embed the tool. It needs no sign-up, sends nothing to a server, and costs nothing to use. Paste the snippet below into your page and it will render just the calculator, with no site navigation around it.
| Where | What to paste |
|---|---|
| Any HTML page |
<iframe src="https://mathsofplay.pages.dev/bonus-calculator/?embed=1" width="100%" height="1150" style="border:0;max-width:720px" title="Casino bonus turnover calculator" loading="lazy"></iframe>
|
| WordPress | Add a Custom HTML block and paste the same iframe. Do not use the plain paragraph block, which strips iframes. |
| Credit | The embedded view shows a small "calculator by" line linking back here. Please leave it in place. That link is the only thing we ask for in return. |
If you do embed it, please do not remove the credit line or present the tool as your own. Other than that, use it however is useful. The numbers are only as good as the terms typed into them, so if you are publishing alongside it, tell your readers to check the contribution table first. That is the term that decides everything.
Set your limit before you claim anything
A deposit limit set while you are calm is the only one that holds. It takes a minute in the cashier, and it is the most useful thing on this site.
A bonus is a reason to play more, not a way to win more. If you are claiming promotions to recover money you have already lost, that is the pattern worth stopping. Our responsible gambling page lists free helplines in Malaysia, Singapore and worldwide.