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Accumulator Calculator
4 to 8 selections rolled into a single bet. All must win: high risk, high reward.
Accumulator calculator
4 to 8 selections rolled into a single bet. All must win: high risk, high reward.
Your selections
5 selectionsReturn shown if all 5 selections win.
View return breakdown and adjustments
If some selections win
Best-case return at each level of winning selections.
- All 5 selections win£320.00
- 4 of 5 selections win£0.00
- 3 of 5 selections win£0.00
- 2 of 5 selections win£0.00
- 1 of 5 selections win£0.00
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How the figures work
What is an accumulator?
An accumulator (or 'acca') is a multi-leg bet where every leg must win for the bet to pay out. Winnings from each leg roll over to the next, producing eye-catching potential returns, but a single losing leg busts the whole bet.
- 1Add 4 to 8 selections: all must win for the acca to pay.
- 2Enter your stake (one unit stake covers the whole acca).
- 3Many bookmakers offer an acca insurance refund if exactly one leg loses: worth checking before placing.
Quick answers
Bet calculator FAQs
The practical questions to check before placing a bet.
What is an accumulator bet?
An accumulator (or "acca") is a multi-leg bet where every leg must win for the bet to pay. Stable Bet's calculator covers 4-leg up to 8-leg accumulators. Winnings from each leg roll over to the next, producing eye-catching potential returns, but a single losing leg busts the whole bet.
How many selections can be in an accumulator?
From 4 to 8 in our calculator. Bookmakers technically allow up to 20+ on most platforms, but the chance of all legs winning drops sharply past 6 or 7, even with 5 legs at evens the all-win probability is only about 3%.
What is acca insurance?
A bookmaker promotion that refunds your stake (often as a free bet) if exactly one leg of your accumulator loses. Common at Bet365, Sky Bet and Paddy Power. Terms vary, usually requires 5+ legs, minimum odds per leg, and the refund is capped.
Does my accumulator pay if one leg loses?
Not directly: the standard acca rule is all legs must win. But if your bookmaker offers acca insurance and your acca meets the qualifying terms, you may get a stake refund as a free bet. If you want a real return when one or two legs lose, use a Lucky 15 (4 selections), Lucky 31 (5) or Lucky 63 (6) instead.
Why are accumulator odds so big?
Because the decimal odds of every leg multiply together. Five horses at 3/1 each = 4.0 ⁵ = 1,024.0, a £10 stake returns £10,240 if all five win. The big number reflects the very low probability, only about 0.1% chance of all five winning at fair-priced selections.
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