Simple Lucky 31 Calculator For 2026

What The Lucky 31 Calculator Works Out

• Bet structure: a Lucky 31 is 31 separate bets on 5 selections: 5 singles, 10 doubles, 10 trebles, 5 fourfolds and 1 fivefold. The stake is per bet, so a GBP 1 Lucky 31 costs GBP 31 win only or GBP 62 each way.
• Why a Lucky 31: the five-selection version of the Lucky 15, with the same one-winner safety net but 31 units at risk. The fourfolds and fivefold mean four or five winners pay very heavily, which is why it is a favourite for festival meetings and weekend coupons.
• Decimal odds: each fractional price is converted to decimal (5/2 becomes 3.5, evens is 2.0) so the combinations can be multiplied together. Enter decimals directly if your bookmaker shows them.
• Total return: every one of the 31 bets is settled separately and the returns are added up. A lost selection makes every bet containing it return nothing, so one winning selection is enough for a return, because the singles pay out on their own. A void or non-runner counts as odds of 1.0 (that leg's stake is simply carried through).
• Profit: total return minus total stake. The breakdown table shows how much came from each bet type, which is where you see that the accumulator end of the bet does most of the work when everything wins.
• Each way and place terms: each way doubles the stake and adds a place bet on every combination at a fraction of the odds. Standard UK terms are 1/4 odds for 2 or 3 places (5 to 7 runners, and most handicaps), and 1/5 odds for 3 or 4 places (8 or more runners), with bookmakers offering enhanced terms on big festivals.
• Stake entered as (advanced): switch from a per-bet unit stake to a total outlay, which is divided equally across all 31 bets (62 each way). Useful when you have a fixed GBP 10 or GBP 20 in mind for the whole bet.
• Rule 4 deduction (advanced): when a horse is withdrawn after you bet, bookmakers deduct a set number of pence in the pound from winnings (not stake) on that race. The scale runs from 5p for a 14/1 to 20/1 withdrawal up to 90p for an odds-on one; the calculator applies your chosen deduction to every winning selection, so use it when the withdrawal affects the whole bet.
• One-winner bonus (advanced): many bookmakers pay double (sometimes treble) odds on the single when exactly one selection wins a Lucky 31. It adds the single's winnings again (or twice again), which can turn a losing Lucky 31 into a near break-even one.
• All-winners bonus (advanced): a percentage added to total returns when every selection wins, typically 10% to 25% depending on the bookmaker and the size of the bet.
• Return on stake and maximum return (advanced): profit as a percentage of everything staked, and the return you would have seen if every selection had won at the odds entered. The maximum is a useful sanity check on whether the odds justify 31 stakes.
• Real settlements: bonuses, Rule 4 deductions and dead heats can all change actual returns, so check your bookmaker's terms. Please gamble responsibly: only bet what you can afford to lose. Free confidential support is available from GamCare on 0808 8020 133 or at gamcare.org.uk.