Over Under Calculator: Totals Betting Payouts, Odds & EV Tool

Our Over Under Calculator helps you quickly calculate potential payouts, understand implied probability, and check expected value (EV) on any totals bet. Whether you're betting NFL game totals, NBA pace plays, or MLB park factors, this tool shows you exactly what you're risking and what you stand to win.

Built specifically for US-regulated sportsbook bettors, the calculator handles American odds, shows break-even percentages, strips out vig, and helps you make more informed decisions before placing a wager.

Use this free tool before every totals bet to see the math clearly, compare lines across sportsbooks, and bet responsibly.

Last updated: January 2025

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Over Under Calculator (Interactive Tool + Quick Start)

Use the calculator below to instantly calculate:

• Potential profit and total payout
• Implied probability (what the odds say about win likelihood)
• Break-even win rate (how often you need to win to break even)
• Expected value (EV) (is this bet +EV or -EV based on your projection?)

Quick Start: How to Use This Tool in 20 Seconds

1. Choose Over or Under from the dropdown
2. Enter the total line (e.g., 47.5 for NFL, 215.5 for NBA)
3. Enter the odds (American format, e.g., -110 or +105)
4. Enter your stake (how much you're betting)
5. (Optional) Enter your win probability (your personal projection—if you think the over hits 55% of the time, enter 55)
6. Read the results: Profit, payout, implied probability, and EV

Internal links:

• New to totals betting? Read our Over Under Betting Guide
• Want to calculate spread or moneyline bets? See our Point Spread Calculator or Moneyline Calculator

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How to Use the Over Under Betting Calculator

This section walks you through each input and output so you understand exactly what the calculator is showing you.

Step-by-Step Instructions

Step 1: Choose Over or Under

Select whether you're betting the over (total will be higher than the line) or under (total will be lower than the line).

Step 2: Enter the Total Line

Enter the sportsbook's total:

• NFL example: 47.5
• NBA example: 223.5
• MLB example: 8.5

Step 3: Enter the Odds

Enter the American odds you're being offered:

• Standard: -110
• Reduced vig: -105
• Underdog total: +110

The calculator accepts positive (+) and negative (-) odds.

Step 4: Enter Your Stake

Enter how much you want to bet (in dollars). Examples: $10, $50, $100.

Step 5: (Optional) Enter Your Win Probability

If you have your own projection or model, enter the percentage chance you think the bet will win. For example:

• You think the over hits 58% of the time → enter 58

If you leave this blank, the calculator will still show implied probability and payout—just not EV.

Step 6: Read the Results

The calculator displays:

• Profit: How much you win if the bet hits
• Total Payout: Profit + your original stake
• Implied Probability: What the odds say the bet's win chance is
• Break-Even Win Rate: How often you need to win to break even long-term
• Expected Value (EV): Whether the bet is +EV or -EV based on your projection

Understanding the Results

Profit vs Total Payout

• Profit: What you win (excludes your original stake)
• Total Payout: Profit + stake returned

Example:

• Bet $100 at -110
• Profit: $90.91
• Total payout: $190.91 ($100 stake + $90.91 profit)

Implied Probability

This is the probability the sportsbook is assigning to the bet based on the odds.

Formula for negative odds:

• Implied Probability = |Odds| / (|Odds| + 100)
• Example at -110: 110 / 210 = 52.4%

Formula for positive odds:

• Implied Probability = 100 / (Odds + 100)
• Example at +110: 100 / 210 = 47.6%

Expected Value (EV)

EV tells you if a bet is profitable in the long run.

• +EV (Positive EV): Your true probability is higher than implied probability—you have an edge
• -EV (Negative EV): Your true probability is lower than implied probability—you're likely to lose long-term

Formula:

• EV = (Win Probability × Profit) - (Loss Probability × Stake)

Important: Even +EV bets lose sometimes. EV is about long-term expectation, not guarantees.

Worked Examples

Example 1: NFL Over 47.5 at -110, $50 stake

Inputs:

• Over/Under: Over
• Line: 47.5
• Odds: -110
• Stake: $50
• Your win probability: 55%

Results:

• Profit: $45.45
• Total payout: $95.45
• Implied probability: 52.4%
• EV: +$1.38 (this is a +EV bet because your 55% estimate beats the 52.4% implied)

Example 2: NBA Under 223.5 at +105, $20 stake

Inputs:

• Over/Under: Under
• Line: 223.5
• Odds: +105
• Stake: $20
• Your win probability: 50%

Results:

• Profit: $21
• Total payout: $41
• Implied probability: 48.8%
• EV: +$0.50 (small +EV because your 50% estimate beats the 48.8% implied)

Try these examples in the calculator above to verify the math.

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What Is Over/Under (Totals) Betting?

If you're new to totals betting, here's a quick refresher before diving into the calculator.

Simple Definition of Totals

Over/under betting (also called totals betting) is a wager on the combined score of both teams. The sportsbook sets a line—like 47.5 points in an NFL game—and you bet whether the final total will be over or under that number.

You're not picking a winner. You're betting on how much scoring happens, regardless of which team wins.

Key Terms: Line, Hook, Push, Juice

Line / Total: The number set by the sportsbook (e.g., 47.5, 215.5, 8.5)

Hook: The half-point (.5) added to avoid pushes (ties)

Push: When the final total lands exactly on a whole-number line (e.g., line 44, final score 27-17 = 44 total). Your stake is refunded.

Juice / Vig: The sportsbook's commission, usually built into -110 odds on both sides

How Over/Under Differs from Spread and Moneyline

Bet Type	What You're Betting On	Example
Over/Under	Total combined score	Over 47.5 points
Point Spread	Margin of victory	Chiefs -3.5
Moneyline	Who wins the game	Chiefs -150

Learn more:

• Over Under Betting Complete Guide
• Over Under vs Spread: When to Bet Each

What Happens If the Total Lands Exactly on the Number?

If the line is a whole number (e.g., 44.0) and the final score is 27-17 (44 total), the bet pushes. Your stake is returned, and no one wins or loses.

Most sportsbooks use half-point lines (44.5, 47.5, etc.) to avoid pushes.

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How Over/Under Odds, Payouts and Implied Probability Work

Understanding how odds translate to payouts and probabilities is essential for smart totals betting.

Odds Formats for Totals Bets

The calculator supports American odds (the standard in US sportsbooks):

Negative odds (-110, -120):

• How much you must risk to win $100
• Example: -110 means risk $110 to win $100

Positive odds (+105, +120):

• How much you win if you risk $100
• Example: +105 means risk $100 to win $105

Decimal and fractional odds:

• The calculator can convert these, but most US books display American odds

How to Calculate Over/Under Payouts Manually

You can do the math yourself if you prefer.

For negative American odds:

Formula: Profit = Stake / (|Odds| / 100)

Example: $50 at -110

• Profit = 50 / (110 / 100) = 50 / 1.1 = $45.45

For positive American odds:

Formula: Profit = Stake × (Odds / 100)

Example: $50 at +110

• Profit = 50 × (110 / 100) = 50 × 1.1 = $55

Why use the calculator? It's faster, handles EV, and shows implied probability automatically.

Implied Probability from American Odds

Implied probability tells you what the sportsbook thinks the bet's win chance is.

Formula for negative odds:

• Implied Probability = |Odds| / (|Odds| + 100)

Example at -110:

• 110 / 210 = 0.524 = 52.4%

Formula for positive odds:

• Implied Probability = 100 / (Odds + 100)

Example at +110:

• 100 / 210 = 0.476 = 47.6%

The calculator shows this automatically for any odds you enter.

Vig, No-Vig Lines and Why They Matter on Totals

Vig (juice) is the sportsbook's edge. When both sides of a total are -110:

• Over 47.5 (-110) = 52.4% implied
• Under 47.5 (-110) = 52.4% implied
• Total: 104.8%

That extra 4.8% is the vig. In a fair market, the two sides would add up to exactly 100%.

No-vig lines remove the sportsbook's edge to show the "true" fair price. Advanced bettors use no-vig calculators to find value.

Why it matters:

• Lower vig = better for you
• Shopping for -105 instead of -115 saves you money long-term

For deeper vig analysis and true probability calculations, compare your projections against the implied probability shown in the calculator above.

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Expected Value (+EV) for Over/Under Bets

Expected Value (EV) is the most important concept for serious sports bettors. It tells you if a bet is profitable long-term.

What Is Expected Value in Sports Betting?

Expected Value (EV) is the average result you can expect over many bets.

• +EV (Positive EV): You have an edge; the bet is profitable long-term
• -EV (Negative EV): You don't have an edge; the bet loses money long-term

Plain language: If you could make the same bet 1,000 times, EV is what you'd win or lose per bet on average.

EV Formula with a Simple Totals Example

Formula:

• EV = (Win Probability × Profit) - (Loss Probability × Stake)

Example:

• Bet: Over 47.5 at -110, stake $100
• Your projection: Over hits 55% of the time
• Profit if you win: $90.91
• Loss if you lose: $100

Calculation:

• EV = (0.55 × $90.91) - (0.45 × $100)
• EV = $50 - $45
• EV = +$5

This is a +EV bet. Over 1,000 identical bets, you'd expect to win $5 per bet on average.

Using the Calculator to Check If an Over/Under Is +EV

The calculator does this math for you.

Step 1: Enter the line, odds, and stake Step 2: Enter your win probability (your projection) Step 3: Read the EV output

• Positive EV (+$X): Your projection beats the market
• Negative EV (-$X): The market has you beat
• Zero EV: Break-even bet

Important caveat: +EV doesn't guarantee a win on any single bet. It's about long-term expectation. You can be right about a bet being +EV and still lose 10 in a row due to variance.

For more on EV and betting strategy, see our Over Under Betting Strategy Guide.

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Sport-Specific Over/Under Examples and Tips

The calculator works for all sports, but each sport has unique factors that affect totals.

NFL Over/Under Calculator and Key Numbers

Typical NFL totals: 41-50 points

Key factors:

• Weather: Wind over 15 mph and rain lower totals
• Outdoor vs dome: Dome games average 2-3 points higher
• Key numbers: 41, 44, 47 are common NFL totals; half-points near these numbers matter

Example calculator use:

• Game: Bills at Chiefs, total 48.5, odds -110
• Your projection: Weather forecast shows 20 mph wind, you project 45 total points (under hits 60%)
• Calculator shows: +EV on the under

Guidance:

• Outdoor, cold-weather, wind-heavy games often favor unders
• Playoff games trend toward unders (tighter defenses)

NBA Totals: Pace, Rest and Matchups

Typical NBA totals: 210-240 points

Key factors:

• Pace: Fast teams (Warriors, Pacers) push totals up
• Rest: Back-to-back games often go under
• Home/away: Some teams score 5-10 more PPG at home
• Defensive matchups: Elite rim protectors suppress scoring

Example calculator use:

• Game: Lakers at Bucks, total 228.5, odds -105
• Your projection: Both teams rested, both top-10 pace, you project 235 points (over hits 58%)
• Calculator shows: +EV on the over

Guidance:

• NBA totals are pace-driven—check team possessions per game
• Use the calculator to compare -105 vs -110 lines across books

MLB Totals: Pitchers, Bullpens and Ballparks

Typical MLB totals: 7.5-9.5 runs

Key factors:

• Starting pitchers: Aces lower totals by 1-2 runs
• Bullpen quality: Weak bullpens push totals higher late in games
• Park factors: Coors Field (COL) inflates totals; Oracle Park (SF) suppresses them
• Weather: Wind blowing out = overs; wind in = unders

Example calculator use:

• Game: Rockies vs Dodgers at Coors Field, total 11.5, odds +100
• Your projection: Thin air, average pitchers, you project 13 runs (over hits 60%)
• Calculator shows: Strong +EV on the over

Guidance:

• Always check starting pitchers before betting MLB totals
• Use the calculator to evaluate whether +100 on a high total offers value

NHL and College Sports Totals

NHL:

• Typical totals: 5.5-6.5 goals
• Goaltending is everything—elite goalies can single-handedly push unders
• Lower-scoring sport = higher variance per goal

College Football and Basketball:

• Wide variance in talent
• Totals range from 45-75+ in NCAAF, 130-160+ in NCAAB
• Some states restrict college props and team totals

Calculator tip: Use the EV feature to test your projections against market lines, especially in college where public betting can skew lines.

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Live and Alternate Totals: In-Game and Advanced Markets

The calculator also helps you evaluate live totals and alternate lines.

Live Over/Under Betting and Scoring Pace

Live totals adjust in real-time as the game unfolds:

• Halftime NFL total might shift from 47.5 to 51.5 if the first half went over
• You can bet on totals for the remainder of the game

How to use the calculator for live totals:

• Enter the current live line and odds
• Adjust your win probability based on game flow (scoring pace, injuries, momentum)
• Check if the live total offers better value than the pregame line

Example:

• Pregame total: 47.5
• Halftime score: 28-21 (49 points already)
• Live second-half total: 24.5
• Use calculator to check if under 24.5 has value based on pace

Alternate Totals, Team Totals and SGPs

Alternate totals let you buy or sell points at adjusted odds:

• Standard: Over 47.5 (-110)
• Alt over 45.5 (-150)
• Alt over 49.5 (+110)

Use the calculator to compare:

• Is paying -150 for 2 extra points worth it?
• Does the alt line cross a key number or offer better EV?

Team totals:

• Isolate one team's scoring
• Example: Patriots team total 24.5
• Use the calculator the same way—enter the line, odds, and stake

Same Game Parlays (SGPs):

• Combine totals with spreads, moneylines, and props
• The calculator can help you understand each leg individually, but remember: SGPs carry much higher vig

When to Avoid Live and Alternate Totals

Caution:

• Live betting requires fast decisions—emotional betting is common
• Alternate totals often have inflated vig (paying -150 for 2 points is rarely +EV)
• SGPs are fun but designed to be -EV for bettors

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Responsible Gambling and Bankroll Management for Totals Betting

Calculators help you understand bets, but discipline and limits keep you safe.

Budgeting and Limits for Betting Totals

Core principles:

• Only bet what you can afford to lose
• Set deposit and loss limits in your sportsbook account
• Bet 1-2% of your bankroll per wager, max 5% on high-confidence plays
• Track every bet in a spreadsheet

Example bankroll:

• Total bankroll: $1,000
• Standard bet size: $10-$20 (1-2%)
• Never bet more than $50 on any single total

Use the calculator to plan stakes:

• If you're betting $20 at -110, you're risking $20 to win $18.18
• Know the exact risk before you click "Place Bet"

Signs of Problem Gambling and Where to Get Help

Warning signs:

• Betting more than you can afford
• Chasing losses with bigger bets
• Hiding your betting from loved ones
• Feeling anxious or depressed about betting

Where to get help:

• National Council on Problem Gambling: 1-800-GAMBLER (1-800-426-2537)
• State-specific helplines: Available in most regulated states
• Self-exclusion programs: Block yourself from all legal sportsbooks for months or years

For more resources, visit our Problem Gambling Help Guide.

Legal and Age Restrictions

• You must be 21 or older in most US states
• Online sports betting is only legal in certain states
• Some states restrict college totals and player props
• Always verify your sportsbook is licensed in your state

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FAQs About Over/Under Betting and the Calculator

What is an over/under bet in sports betting?

An over/under bet is a wager on whether the total combined score of both teams will be over or under a line set by the sportsbook. You're not picking a winner—just whether the game will be high-scoring or low-scoring.

How do you calculate over/under payouts?

Use the formulas:

• Negative odds: Profit = Stake / (|Odds| / 100)
• Positive odds: Profit = Stake × (Odds / 100)

Or use our calculator above—it's instant and shows implied probability and EV too.

Do overtime points count for over/under bets?

Yes, in most major sports. NFL, NBA, NHL, and MLB totals include overtime and extra innings. Some soccer markets exclude extra time—always check house rules.

What happens if the total lands exactly on the number?

The bet pushes, and your stake is refunded. Most sportsbooks use half-point lines (.5) to avoid pushes.

Can you parlay over/unders?

Yes. You can combine multiple totals in a parlay, or mix totals with spreads and moneylines. Remember: parlays are high-risk and carry higher vig than single bets.

What is the difference between over/under and point spread bets?

• Over/under: Betting on total combined scoring
• Point spread: Betting on the margin of victory

Learn more in our Over Under vs Spread Guide.

How can I tell if an over/under bet is +EV?

Use the calculator:

1. Enter the line, odds, and stake
2. Enter your projected win probability
3. If EV is positive, the bet may be +EV

Remember: +EV doesn't guarantee a win. It means the bet is profitable long-term.

Is there a live over under calculator?

Yes—this calculator works for live totals too. Just enter the live line and odds. Adjust your win probability based on in-game factors like pace, injuries, and scoring trends.

Are over/under bets good for beginners?

Yes. Totals are easier to understand than spreads and don't require you to pick a winner. Start with small stakes, use this calculator to understand payouts, and focus on one sport until you're comfortable.

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Closing Summary and Next Steps

Our Over Under Calculator helps you see payouts, implied probability, and expected value before every totals bet. Use it to:

• Calculate profit and break-even win rates
• Compare lines across sportsbooks
• Test your projections and find +EV opportunities
• Bet smarter and more responsibly

Next steps:

• Read the Over Under Betting Complete Guide for strategy and fundamentals
• Explore Over Under Betting Strategy for advanced tactics
• Compare Over Under vs Spread to decide which bet type fits your style
• Learn about Common Over Under Mistakes to avoid costly errors

Responsible gambling reminder: No calculator guarantees profit. Sports betting involves risk. Only bet money you can afford to lose, and seek help if betting stops being fun.

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Disclaimer: This content is for informational and educational purposes only. OddsIndex does not provide gambling, financial, or legal advice. Always gamble responsibly and within your means. If you or someone you know has a gambling problem, call 1-800-GAMBLER.