💰 Bankroll Management

The math behind staying in the game. Session limits, Kelly Criterion, and probability-adjusted analysis.

🏦 Bankroll Requirements

How big should your bankroll be? It depends on your win rate, variance, and risk tolerance.

20
Buy-ins Recommended
$4,000
Bankroll Size
5%
Risk of Ruin
ProfileBuy-insBankrollRisk of RuinWho It's For
Rule of thumb: 20 buy-ins for live cash, 30 buy-ins for online cash, 50+ buy-ins for tournaments. The higher the variance, the bigger the bankroll you need.

📐 Kelly Criterion Calculator

The Kelly Criterion tells you the optimal fraction of your bankroll to risk on a single bet/session to maximize long-term growth while minimizing ruin.

Kelly Formula
f* = (bp − q) / b
b = odds received (net win/loss ratio)  |  p = probability of winning  |  q = probability of losing (1−p)
10.0%
Full Kelly %
5.0%
Your Kelly (adjusted)
$250
Max Buy-in Per Session
Never use Full Kelly. It's mathematically optimal but assumes perfect information about your edge. In practice, Half Kelly gives ~75% of the growth with dramatically less variance. Most pros use Quarter to Half Kelly.

Kelly in Practice: What Fraction to Use

FractionGrowth RateMax DrawdownBest For
Quarter Kelly (25%)~44% of maxMinimalNew players, uncertain edge, high-variance games
Half Kelly (50%)~75% of maxModerateMost players — best risk/reward tradeoff
¾ Kelly (75%)~94% of maxSignificantExperienced players with proven edge
Full Kelly (100%)MaximumSevere (50%+ swings)Theoretical only — don't do this

⏱️ Session Limits

Pre-commit to session rules before you sit down. Discipline = profit.

-$600
Stop-Loss (3 buy-ins)
+$500
Win Target (soft)
4-6 hrs
Max Session Length

Your Pre-Session Contract

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Session Limit Rules

RuleLimitWhy
Stop-Loss3 buy-insPrevents tilt-induced mega-losses. You're not playing your best after 3 buy-ins down.
Win TargetSoft — don't quit a good gameLeave if the game gets tough or you feel tired. Stay if fish are still paying you off.
Time Limit4-6 hoursDecision quality degrades after ~4 hours. Take breaks every 90 minutes.
Tilt CheckAfter every big lossLost a big pot? Walk away for 10 minutes. If you're angry, leave.
Table ChangeIf no fish remainYou're there for profit, not ego. If the weak players leave, find a better table.

📊 Win Rate Analyzer

Enter your session results. Get probability-adjusted analysis, true win rate estimation, and confidence intervals.

Log Your Sessions


📈 When to Move Up / Down

SituationActionRule
You have 30+ buy-ins for next levelTake a shot ↑Play 3-5 sessions at the next stake. If you lose 5 buy-ins, move back down.
Bankroll drops below 20 buy-ins for current levelMove down ↓No shame. Rebuild, plug leaks, move back up when ready.
Win rate is positive over 50+ hoursConsider moving up50 hours minimum sample for live, 30K hands for online.
Win rate is negative over 30+ hoursStudy, don't move upFix leaks before trying higher stakes. Variance isn't your problem if it's 30+ hours.
You lost 10+ buy-ins at a new levelMove down, no debate ↓The game is too tough. Go back, study the differences, and try again later.
The Bankroll Ladder: $1/$2 → need $4K+ to take a shot at $2/$5 → need $10K+ to take a shot at $5/$10. Each level roughly requires 2.5× the previous bankroll.

🎲 Understanding Variance

How Long Until You Know Your True Win Rate?

Sample SizeConfidenceWhat It Means
10 sessions / 5K handsVery LowBasically meaningless. Could be running hot or cold. Don't change anything based on this.
30 sessions / 15K handsLowSlight indication of direction. Still highly variable.
100 sessions / 50K handsModerateStarting to see real patterns. Win rate estimate within ±5 bb/100.
200 sessions / 100K handsGoodReasonable confidence. Win rate estimate within ±2-3 bb/100.
500+ sessions / 250K+ handsHighStrong confidence in your true win rate. This is where pros operate.
Sobering truth: A winning player with a 5bb/100 win rate has a ~40% chance of being a losing player over their first 25,000 hands. Variance is brutal. Trust the process, not the results.