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Free Lucky 15 calculator

4 selections, 15 bets, 4 singles + 6 doubles + 4 trebles + 1 fourfold. The UK retail favourite, complete with standard bookmaker bonus structures.

Add a stake and odds to see your return.

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What a Lucky 15 actually is

A Lucky 15 is the four-selection workhorse of UK betting. You pick four selections, A, B, C and D, and the bookmaker writes 15 bets: 4 singles, 6 doubles, 4 trebles, and 1 fourfold accumulator. A £1 Lucky 15 costs £15 total. It is functionally a Yankee with singles added, and the singles unlock the bookmaker bonus structure that pure Yankees don't get.

Two bookmaker bonuses are virtually standard on Lucky 15s: a single-winner bonus (typically 2x, 3x or 4x the odds on the one winning selection if only one of your 4 lands) and an all-winners bonus (typically a 10–25% uplift on total return if all 4 win). Bookmakers compete on these terms, pay attention.

Worked example, four winners at 5/2

Four selections, all priced 5/2 (3.50 decimal), £0.50 unit stake, total outlay £7.50. Settling each component:

  • 4 singles × (£0.50 × 3.50) = 4 × £1.75 = £7.00
  • 6 doubles × (£0.50 × 12.25) = 6 × £6.13 = £36.75
  • 4 trebles × (£0.50 × 42.88) = 4 × £21.44 = £85.75
  • 1 fourfold × (£0.50 × 150.06) = £75.03

Total return = £204.53 on £7.50 outlay, a profit of £197 before bonuses. Add a typical 10% all-winners bonus and the total return becomes £225.00 for a profit of £217.50, about 29× the stake. The bonus alone adds £20 to the result, the structural reason Lucky 15 is the UK retail favourite.

And if only one wins at 5/2? You collect the single (£1.75) plus the typical 2x odds bonus (extra £1.75) = £3.50 return on £7.50 outlay. Net loss £4.00, a much gentler landing than the £15 wipeout an accumulator would book.

Lucky 15 vs Yankee vs Lucky 31

The three closest relatives, with their key differences:

Bet typeSelectionsBetsSingles?Bonuses?
Yankee411NoNo
Lucky 15415Yes (4)Standard
Lucky 31531Yes (5)Standard

Lucky 15 is the sweet spot of the family: enough selections to multiply meaningfully, enough singles to cushion a shocker, bonus terms baked in. Lucky 31 extends it to 5 selections but the unit-stake price climbs sharply (31 bets vs 15).

Why the bookie still has the edge on Lucky 15s

Bonus payouts make a Lucky 15 feel like the bookmaker is doing you a favour, but 15 separate bets means 15 layered slices of margin. Even with a 10% all-winners bonus, a typical 4-leg Lucky 15 on UK racing favourites is still a negative-expectation wager. The bonus narrows the gap; it doesn't close it. The implied-probability gap that turns the slip against you is the cornerstone read that works the maths from first principles, essential before you stack into multi- leg full-cover bets.

Related tools and guides

Common questions

What is a Lucky 15 bet?
A Lucky 15 is a 4-selection bet that combines into 15 separate wagers: 4 singles, 6 doubles, 4 trebles, and 1 fourfold. It costs 15 unit stakes, a £1 Lucky 15 is £15 total. The Lucky 15 is the most popular full-cover bet in UK betting because of the singles cushion and the bookmaker bonuses.
How is a Lucky 15 different from a Yankee?
Same 4 selections, but Lucky 15 adds 4 singles to the 11 bets a Yankee covers, and Lucky 15 typically comes with bonus payouts (consolation if only one wins, plus a percentage uplift if all 4 win). The Lucky 15 costs ~36% more upfront than a Yankee but gives you returns on a single winner and the bonus structure.
What are the Lucky 15 bonus payouts?
Standard UK bookmaker bonuses on a Lucky 15: double the odds (or sometimes treble or quadruple) on a single winner if only one of your 4 selections lands, and a percentage uplift (typically 10–20%) if all 4 selections win. The exact numbers vary by bookmaker, BetVictor, William Hill, Coral and Ladbrokes all offer slightly different schedules. Always check the bookmaker's terms before placing.
How many winners do I need on a Lucky 15?
One. The 4 singles in a Lucky 15 mean any single winning selection produces a return, and the bookmaker bonus on a single winner often doubles that return. Two winners returns 2 singles + 1 double. Three winners returns 3 singles + 3 doubles + 1 treble. Four winners returns everything including the fourfold and the all-4-winners bonus.
When does a Lucky 15 make sense?
When you've got 4 selections you fancy and want both a safety net (singles) and the upside of compounding multipliers (doubles, trebles, fourfold). Particularly strong on Saturday racing or football accas where you have genuine opinions on 4 mid-priced selections and want the bookmaker bonuses to tilt the EV in your favour.
Are Lucky 15 bonus payouts paid on each-way bets?
It depends on the bookmaker. Most pay the single-winner bonus on the win part only, not the place part. Some pay the all-4-winners bonus on the total return including both win and place. Always check the bookmaker's "All Multiple Bets" terms before placing an each-way Lucky 15, the rules are buried in the small print and vary widely.
How much does an each-way Lucky 15 cost?
Twice the win-only cost. Each of the 15 bets has a win part and a place part, so an each-way Lucky 15 is 30 unit stakes: 50p each way costs £15, and £1 each way costs £30.
How is an each-way Lucky 15 settled?
As two Lucky 15s side by side. The win bets pay at full odds and only include selections that won. The place bets pay at the place odds, usually 1/4 or 1/5 of the odds, and include every selection that won or placed. Switch on EW for each selection in the calculator above and set its place terms: the results show the win and place returns separately.