100 Hands, $1,000, and One Simple Goal
You walk in with $1,000. You play 100 hands of baccarat. Can you walk out ahead?
We ran a bankroll simulation to find out. No gimmicks. Just the math behind every hand. We tracked every dollar as it went up... and down.
Setting the Table: Bankroll and Rules
We used the common Player/Banker game. No side bets. House edge: around 1.06% on Banker, 1.24% on Player.
Each bet was $10. That gave us 100 hands before risking the full $1,000. We flipped a coin to choose between Banker or Player each round—keeping it fair.
Here's What Happened to the Money
Starting Bankroll: $1,000
Total Hands Played: 100
Average Bet: $10
Final Bankroll: $978
Net Loss: $22
We won 48 hands and lost 52. It looked good for a while—up by $70 at hand 28—but variance hit.
| Hand | Bankroll |
|---|---|
| 1 | $1,010 |
| 10 | $1,035 |
| 28 | $1,070 |
| 50 | $1,015 |
| 75 | $990 |
| 100 | $978 |
Streaks That Make or Break You
Variance is brutal. You can win 4 in a row, feel rich, then drop 6 straight and panic.
- Longest win streak: 4
- Longest losing streak: 5
- Three 3-win streaks
- Four 3-loss streaks
One cold run dropped us $60 fast. Then a bounce-back brought us close to even. That’s baccarat—fast highs, faster dips.
Why You Might Feel Like You’re Winning
You can win more hands than you lose—and still end down. That’s because Banker wins get hit with a 5% commission.
If you’re not tracking every hand, it feels like you’re beating the game. But the numbers don’t lie.
This is what the bankroll chart looked like:
(Graph not shown here, but imagine a zig-zag line that peaks around hand 28 and trends downward from there.)
Try Your Own Simulation
Want to see how you’d do? Try different bet sizes. Go all-in on Banker. Or double after each loss.
Use our Baccarat Calculator to run your own 100-hand session. Track wins, losses, and how long your bankroll lasts.
Beating the House... or Just Surviving?
Baccarat isn’t a puzzle to solve. It’s a wave to ride. Our $1,000 bankroll nearly survived 100 hands—only a $22 loss.
Can you flip the script? See for yourself. Try the calculator and run your own test.