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Whether you’re grinding micro-stakes or dreaming of the high-roller tables, solid poker bankroll management is what keeps your game alive. It’s not just about how much you have – it’s about HOW you use it.
From setting limits that protect your bankroll to knowing when to take a shot or move down, this guide covers everything you need to build a sustainable poker journey. You’ll learn how to handle cash games, tournaments, and SNGs, track your win rate, and manage variance like a pro, all without risking more than you can afford.
What is Bankroll Management in Poker?
Bankroll management in poker is a set of rules that govern the stakes you play based on the money you have. For example, if you’ve got $1,000 to play poker with, a bankroll management poker strategy would tell you which cash games or tournaments are appropriate for your budget.
We’ll give you the specifics of controlling your bankroll, including how to build it and the amount of money you need to play at certain stakes later on. First, it’s important to define what a bankroll is.
A bankroll isn’t all the money you’ve got in the world. It is the money you have set aside for playing poker and that you can comfortably lose. Put simply, bankroll bucks should be distinct from the money you need for other parts of your life.
Advantages of Managing Your Poker Budget
- You add structure to your game
- You reduce the risk of going broke
- It helps you get through tough times
- It’s psychologically reassuring to have a plan
- You don’t play in a games that are beyond your skill level
Building a Bigger Bankroll in Poker
Bulk up your bankroll so you can move up the ranks in poker with these 5 top tips:
Start From Zero
The beauty of playing poker online is that there are tons of ways to do it for free. In fact, not only can you play online poker games for free, you can win cash prizes. Our recommended online poker sites run daily freerolls that allow you to ante up without spending a cent and win real-money prizes. Just remember, learning how you should manage your roll is crucial, even when starting with freerolls, to ensure long-term success.Claim Bonuses
Online poker bonuses are another way you can start from zero. Poker sites run a variety of promotions, including welcome bonuses, reload offers, free tournament ticket giveaways, and loyalty programs. All of these promotions can get you free bankroll bucks that you can use to move up the poker ladder. However, it’s important to always play within your bankroll to avoid risking too much too soon.Go Slow, It’s Not a Race
Poker is one long game. There’s no need to treat it like a race. If you can accept that poker is a long-term game, it’s much easier to progress at a realistic pace.Skills Over Limits
There are certain minimum skill standards you should aim for, but you shouldn’t move up just because you have “enough” money. Unless you’re a prodigy, the chances are you’re not skilled enough to compete in $2/$4 cash games. That’s why you should prioritize skills over limits. Ask yourself if you can beat the games you want to play, then consider if you’ve got enough money.Shoot Your Shot (When It’s Appropriate)
You probably often ask yourself about taking shots when you’re discussing how to manage your poker bankroll. This is a legitimate strategy that many successful players have used over the years. It’s based on the idea that you can jump up a level or two even if you don’t have enough money. There are three questions to ask yourself before you take a shot: are you skilled enough? Are the poker games good and exploitable? Will a failed attempt decimate your bankroll? Give a positive answer to all three of those questions, and you can consider taking a shot.
Format-Specific Online Poker Bankroll Management
Although poker bankroll management is the financial strategy used to decide which games you can and can’t play, there’s no universal rule for it. Just as a poker bankroll management calculator requires different inputs based on where you play, you’ll also need to adjust your approach depending on whether you're playing cash games or tournaments.
Cash Game Bankroll Management Recommendations
The general rule for cash game poker bankroll management is 30 to 50 buy-ins. Some people suggest being more conservative, particularly if you’re playing online games. However, 30 to 50 is a solid starting point.
One thing to note is that you use the maximum table buy-in as the basis of your calculation. For example, the maximum buy-in for a $0.50/$1 poker table is 100x the big blind, i.e., $1 x 100 = $100. Plug that number into your poker bankroll calculator, and it will give you a figure between $3,000 and $5,000, i.e., 100 x 30 / 100 x 50.
| Poker Table Stakes | Suggested Bankroll |
|---|---|
| $0.01/$0.02 (aka $2 max buy-in games) | $30-$50 |
| $0.02/$0.04 (aka $4 max buy-in games) | $60-$100 |
| $0.05/$0.10 (aka $10 max buy-in games) | $300-$500 |
| $0.10/$0.25 (aka $25 max buy-in games) | $750-$1,000 |
| $0.25/$0.50 (aka $50 max buy-in games) | $1,500-$2,500 |
| $0.50/$1.00 (aka $100 max buy-in games) | $3,000-$5,000 |
| $1/$2 (aka $200 max buy-in games) | $6,000-$10,000 |
| $2/$4 (aka $400 max buy-in games) | $12,000-$20,000 |
| $3/$6 (aka $600 max buy-in games) | $18,000-$30,000 |
| $5/$10 (aka $1,000 max buy-in games) | $30,000-$50,000 |
The above recommendations are intended for Pot Limit and No Limit cash games. There is scope to be slightly more liberal if you’re playing Limit poker because the games, in general, aren’t as volatile.
Let’s imagine you have a poker roll of $1,000. That puts you at the top end of the $0.10/$0.25 range for Pot Limit and No Limit poker games. It’s worth considering a shot at $0.25/$0.50 and, possibly, $0.50/$1 if it’s a good Limit cash game.
Poker Tournament Bankroll Management Recommendations
Live and online poker tournament bankroll management rules are based on the entry fees you pay. All live and online poker tournaments have a secondary fee known as the rake. For example, a $10 tournament will cost $10 + $1 = $11. You don’t need to worry about this. The poker tournament bankroll table below takes this into account.
| Tournament Entry Fee | Suggested Bankroll |
|---|---|
| $0.01 to $0.50 | $50 |
| $1 | $100 |
| $2 | $200 |
| $5 | $500-$1,000 |
| $10 | $1,000-$2,000 |
| $22 | $2,200-$4,400 |
| $33 | $3,300-$6,600 |
| $50 | $5,000-$10,000 |
| $100 | $10,000-$20,000 |
| $225 | $22,500-$45,000 |
| $500 | $50,000-$100,000 |
| $1,000 | $100,000-$200,000 |
You’ll notice that our bankroll management rules change as we move from $5 multi-table tournaments to $10 tournaments. The general rule for poker tournaments is that you need at least 100 buy-ins. This rule applies at all levels.
However, as you move up the limits, you may need to become more conservative and edge toward the 200 buy-in mark. The simple reason for this is that MTTs get harder. They’re volatile by their very nature, so when you combine this with more skilled players, it gets harder to win. That’s why it’s wise to be more conservative as you move from micro to low-stakes MTTs and beyond.
SNG Bankroll Management Recommendations
Sit-and-Go’s are self-contained tournaments, so the bankroll management rules are similar to the ones we’ve just outlined. However, because you’re competing against fewer players in these tournaments, you don’t have to be quite as conservative. That’s why a suitable Sit-and-Go bankroll management poker roll is anywhere between 50 and 75 buy-ins for the games you want to play.
| SNG Entry Fee | Recommended Bankroll |
|---|---|
| $0.10 | $5 to $7.50 |
| $0.25 | $12.50 to $18.75 |
| $0.50 | $50 to $37.50 |
| $1 | $50 to $75 |
| $2 | $100 to $150 |
| $5 | $250 to $375 |
| $10 | $500 to $750 |
| $25 | $1,250 to $1,875 |
| $50 | $2,500 to $3,750 |
| $100 | $5,000 to $7,500 |
| $200 | $10,000 to $15,000 |
| $300 | $15,000 to $22,500 |
| $500 | $25,000 to $37,500 |
| $1,000 | $50,000 to $75,000 |
Our previous point about tournaments getting harder to beat as you move up the levels applies in this situation as well. Therefore, if you’re thinking about how to build a bankroll with the least risk possible, become increasingly more conservative as you move up the ranks.
Why Do Bankroll Management Poker Rules Differ?
We said before that poker bankroll management rules differ depending on whether you play live or online and, in turn, the types of games you play. The reason the recommended cash amounts vary between cash games, tournaments, and SNGs is volatility.
Cash games aren’t as volatile as tournaments. That’s a general statement. We’re not saying you won’t experience wild swings in cash games because it’s entirely possible. The point we’re making is that you have more control when it comes to cash games because you can leave at any point.
When you enter an online poker tournament, you pay the buy-in, and you either survive long enough to make money or you don’t. The same goes for SNGs.
In a cash game, you sit down at a poker table and leave whenever you want. That means you could win a big all-in and leave straight away to lock up a profit. This ability to control the length of your sessions means you don’t need to be as conservative with your bankroll management rules in cash games as you do in tournaments.
Bankroll Management in Online Poker vs. Live Poker
When it comes to managing your poker bankroll, online play generally requires a larger cushion than live games. The primary reason is pace: online players face tougher competition, faster gameplay, and more hands per hour, which increases variance and the risk of downswings.
Additionally, multi-tabling (more common in online poker) means players invest in several games simultaneously. As a result, poker bankroll management for multi-tabling demands an even larger bankroll to sustain its strategy.
Live poker, on the other hand, moves at a slower rate, so you see fewer hands per hour and often face slightly softer competition. This dynamic can let you play with a smaller bankroll; just don’t forget the “hidden” expenses like travel, accommodations, and tips.
Ultimately, whether you prefer the fast-paced online world or the more relaxed, social atmosphere of live poker, it’s essential to match your bankroll to the stakes you play and factor in all related costs to ensure steady, long-term profitability.
Bankroll Management for Poker Players at All Levels
Whether you're just starting or playing poker professionally, proper bankroll management is crucial for long-term success. Let’s see how this applies to different poker skill levels.
New Poker Players
If you’re new to poker, focus on low-stakes games to limit your risk while you get the hang of the basics. A poker bankroll management chart can be a handy reference, guiding you on how many buy-ins you should keep. A typical suggestion is at least 20 to 30 buy-ins for cash games or tournaments.
Experienced and Semi-Pro Players
With more experience, you’ll likely want a larger bankroll that supports roughly 40 to 60 buy-ins, a ballpark figure needed to handle multi-tabling and moving up in stakes. This helps you ride out inevitable downswings and maintain steady growth. Tracking your results and adjusting your bankroll limits regularly is key to staying on course.
Experienced Players
Pros must build a bankroll that covers both poker expenses and living costs. Therefore, they can resort to a more aggressive bankroll management poker strategy. They are recommended to go with 100 or more buy-ins to survive variance and prolonged bad runs. They should also diversify the stakes across cash games and tournaments to create a more stable income flow.
Poker Bankroll Management - Moving Up Gears
An important part of our bankroll management poker strategy is skills over limits. To repeat our previous point, you shouldn’t move up just because you’ve got enough money. You can never know for sure if you’re skilled enough to move up to a new level, but there is a metric you can use. This metric is your win rate.
The process is fairly simple:
- You track your win rate at the level you’re playing using a product such as PokerTracker or Holdem Manager.
- You compare that win rate to what other successful players have achieved over time.
- If you’re a winning player at your current level, consider moving up.
Poker win rates are calculated by looking at the number of big blinds you win, on average, per 100 hands you play, aka bb/100. You need a sample size of at least 50,000 hands to get an accurate representation of your win rate. To be more accurate, you should have a sample size of at least 100,000 hands.
What’s a good win rate in poker? It’s hard to give a definite answer here, but here’s a general breakdown of win rates and what they might tell you:
- <1bb/100 = you’re a losing or break-even player at your current level and shouldn’t move up
- 1bb to 4bb/100 = you’re a solid player at your current level and can think about moving up
- 5bb to 9bb/100 = you’re a strong player at your current level and should move up
As we’ve stressed throughout this online poker bankroll management guide, there are no hard and fast rules. You don’t have to move up if you’re winning 9bb/100 at a certain level. However, if you’re someone who wants to climb the ranks, these are the win rates you should be aiming for.
Rake and Its Impact on Bankroll Growth
Rake is a small fee that online poker sites take from each pot or tournament entry, and it can significantly affect your bankroll growth over time. While casual players may overlook this expense, frequent players need to factor it in to manage their bankroll effectively. High rake rates can slowly erode profits, especially at lower stakes where margins are tighter.
To help offset these costs, consider playing on sites that charge lower rake or offer rakeback deals, which return a portion of the rake you pay.
In this case, it is advisable that you track your results, and you can do it with a poker bankroll management spreadsheet, which can help you monitor how much rake you pay and how it impacts your long-term growth.
Poker Bankroll Management Tips for Consistent Growth
Here are 5 online poker bankroll management tips you can use to maximize your time and enjoyment at the tables:
#1. Always Keep Your Bankroll Separate
Perhaps the biggest mistake people make when it comes to bankroll management is not keeping their poker roll separate from other money they have. Indeed, that’s why people often ask the question: how much is a bankroll? The answer isn’t a cash amount; it’s any amount of money you can afford to lose.
That doesn’t mean you want to or will lose. It’s more a reflection of the money’s status, i.e., your life wouldn’t be materially affected if you lose your poker roll. That’s why your bankroll should always be separate from the money you have set aside for other parts of life.
#2. Always Have More Than You Need
Using a poker bankroll calculator to determine how much money you need for a certain level is great, but don’t live and die by those numbers. Poker can be unpredictable, and there will be times when negative variance deals you a series of unexpected losses. Having more money than you need will help you get through these times without having to drop down a level or two.
#3. Choose the Game Wisely
Selecting the right poker format is crucial for effective bankroll management and steady growth. High-variance games like multi-table tournaments (MTTs) demand a larger bankroll to weather inevitable downswings, and using a dedicated poker MTT bankroll management can help you figure out how many buy-ins you need.
Meanwhile, cash games typically feature lower variance, making it possible to manage with a smaller bankroll. Ultimately, choose a format that matches both your skill level and risk tolerance to set yourself up for long-term success.
#4. It’s OK to Move Down
The goal in poker is to move up the stakes and win as much money as possible. Wrapped up in this goal is the concept of preservation. As much as you’re aiming to win money, you’re also trying to preserve the bankroll bucks you’ve already got. Therefore, if you’ve hit a rough patch and your bankroll is dwindling, don’t be afraid to play lower-stakes games until you recover.
#5. Study, Study, Study
There’s little value in learning how to build a bankroll if you’re not prepared to study other aspects of the game. You’ll never move up the ranks by having a solid bankroll management poker strategy and nothing else. Poker is a multifaceted game that requires a variety of skills, so make sure you take the time to study the different types of poker and strategy concepts, such as value betting and bluffing.
#6. Avoid the Common Psychological Pitfalls
Self-awareness and discipline are vital for maintaining a healthy poker bankroll. Overconfidence can lead players to take unnecessary risks or move up stakes too quickly, which can, as a consequence, drain their bankroll. Similarly, emotional decisions driven by anger or frustration often result in reckless play.
The point is to stay focused and stick to a poker bankroll management strategy to avoid these psychological pitfalls. Once you learn how to control emotions and maintain discipline, you can make more rational decisions.
#7. Play Smart and Be Responsible
The whole point of bankroll management is to give you a framework within which to play smart, sensible poker. Winning is great, but poker should be fun. The only way to enjoy the process of playing is to do it without any financial stress.
You can only reduce the amount of financial stress you experience if you have a solid grasp of poker money management. Therefore, if you can master bankroll management, you’ll have the best chance of having fun while playing responsibly. If things ever feel like they’re getting out of hand, contact a problem gambling organization such as GamblingTherapy.org.
Poker Bankroll Tools & Software
Here are three pieces of software that can help tournament players, micro-stakes grinders, and cash game players get ahead:
Poker Tracker
This piece of software is what professional poker players use. It tracks every hand you play so you can establish your win rate, store results, and get stats on other players. You can use it to identify leaks in your game and when it’s time to move up or down a level.
Poker Charts
(Source: Poker Charts)
Track and log your results to find out where you’re winning or losing in cash or multi-table tournaments. The great thing about PokerCharts is that it creates handy graphs so you can quickly analyze data.
Poker Bankroll Tracker
(Source: Poker Bankroll Tracker)
This mobile poker bankroll management app allows you to record live or online sessions, even at a smaller bankroll. As well as an odds calculator, payout calculator, and statistics, this app has a hand re-player that allows you to share sessions with your friends.
Read More About Online Poker
Proper Bankroll Management in Poker: Conclusion
Poker bankroll management is the foundation of any winning strategy. Whether you're a tournament or cash game player, you need to look after your money and be patient. With the right amount of skill and timing, you’ve got a great shot at climbing the ladder as a winning No Limit Hold'em player.
Bankroll Management for Online Poker: FAQs
Can I build a bankroll without a deposit?
What are common bankroll mistakes new players make?
What’s a conservative vs. aggressive bankroll strategy?
What happens if I go bust? Can I rebuild a poker bankroll?
Is 20 buy-ins still a proper poker bankroll management strategy in today’s games?
Responsible Gambling
Never gamble more than you can afford to lose. You should play online poker for fun and never put yourself in financial or psychological danger. Learn more about these things and more in our responsible gambling guide.
The following resources are available if you or someone you care about needs help:
