Point Spread Bet Calculator

How a point spread wager settles

A point spread adjusts the final score to create a handicap. Add the selected team’s spread to its final score and compare the adjusted score with the opponent’s score. A higher adjusted score is a win, an equal score is a push, and a lower score is a loss.

If a team wins 24–20 and was favored by -3.5, its adjusted margin is 0.5 and the spread bet wins. At -4, the adjusted margin is zero and the wager pushes, subject to the sportsbook’s rules.

Calculate spread bet payout

For a winning wager, American odds determine net profit and the original stake is returned. A losing wager loses the stake. A push generally returns the stake. Enter the favorite’s spread as a negative number and the underdog’s as a positive number.

Alternative spreads may use different prices for the same matchup. Calculate each ticket using the actual line and odds on the bet slip.

Half-point lines and pushes

Half-point spreads avoid pushes on a standard final score, while whole-number spreads can push when the adjusted scores tie. Quarter-point Asian lines split the stake into two neighboring lines and need separate settlement math. This calculator covers a single spread line.