How to calculate a Lucky 15

Everything you need to know in one handy place!


Betting can be a complicated old business. From Canadian to Heinz and Tricast bets, there’s a lot to get your head around. But fear not, we’re here with a handy explainer or two to clear up some of the more technical terms you might not be aware of.


Ever wondered what is a Lucky 15 actually is? We create one every day for the cream of the UK and Irish horse racing, but you might not be aware of the nitty-gritty detail. Wonder no more.

What is a Lucky 15 bet?

A Lucky 15 bet is a form of multiple bet involving four selections. By picking four selections, you can create a four-fold accumulator. To win this, you need all four selections to win.

When you’re calculating a Lucky 15, you bet all of your selections in every possible single and accumulator individually.

How does a Lucky 15 bet work?

Placing a Lucky 15 bet means that you’re betting on every single, double, treble, and four-fold combination possible from your four selections. So, betting on a Lucky 15 means that you’re betting on:

  • 4x Singles
  • 6x Doubles
  • 4x Trebles
  • 1x Four-Fold

Each of these is treated as an individual when it comes to calculating a Lucky 15 return. So, even if the four-fold loses due to one selection, some of the others can still return.

You bet on your four selections, but in every possible combination. This way, you benefit from accumulators enhancing the odds. This also means that your wager is divided by 15 to cover each bet equally.

How to calculate a Lucky 15 bet

When working out how to calculate a Lucky 15 bet, you’ll first need to calculate the wager and then the potential returns. You’ll be dividing your wager by 15 to cover each of the bets within the multiple. So, a £/€3 bet is actually 15 individual £/€0.20 bets.

As for how to calculate a Lucky 15 bet in terms of returns, you’ll need to work out 11 accumulators and four singles. Let’s start with the odds for the selections:

  • Selection 1: 23/10
  • Selection 2: 11/10
  • Selection 3: 9/5
  • Selection 4: 1/3

From these selections, you’ll be placing one-15th of your total bet on each as singles. Next, you bet on all six potential doubles. This example has these odds:

  • 1 and 2: 5.93/1
  • 3 and 4: 2.73/1
  • 1 and 3: 8.24/1
  • 2 and 4: 1.80/1
  • 1 and 4: 3.40/1
  • 2 and 3: 4.88/1

The next part for working out how to calculate a Lucky 15 is the trebles. There are four possible trebles in a Lucky 15 calculation, paying as follows for this example:

  • 1, 2, and 3: 18.40/1
  • 2, 3, and 4: 6.84/1
  • 1, 3, and 4: 11.32/1
  • 1, 2, and 4: 8.24/1

Finally, the last part of calculating a Lucky 15 is the four-fold. With these four selections, the four-fold would have odds of 24.87/1. If all four selections come in, you win each individual bet.

If you were to bet £/€9 on this Lucky 15, and all selections win, you would return £/€61.32. If one loses, you lose on each of the bets that it’s involved in. This is how each loss would cut your number of potential winning bets:

  • 1 Loser: Eight lost bets
  • 2 Losers: Ten lost bets
  • 3 Losers: 14 lost bets

One losing selection will reduce the returns by a different amount, depending on its odds. In this run-through, if Selection 3 (9/5) loses but all others win, the returning odds shrink to 9.06/1.

How do I place a Lucky 15 bet?

To place a Lucky 15 bet, you need to:

  • Select four outcomes to bet on
  • Open the bet slip and scroll to the bottom
  • Click on Lucky 15
  • Input how much you want to bet in total
  • Click Place Bets to place a Lucky 15 bet

Hopefully, now that you know how to calculate a Lucky 15, you’ll be able to use the multiple bet when you’re on the fence about a selection or two.


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