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I've been approached several times about how to manage a bankroll, and when to cash out. I'm going to address this question very heavily in this post.


You can keep up with edits and updates to this post here at this thread:



The following guidelines will assure with a high confidence level that you never go broke if you are +ROI in the games you are playing, and you exercise good game selection.


Proper Bankroll Management Minimums:

$65 - $1.10 STTs

$87 - €1.10 STTs

$90 - $1.10 18-man

$128 - $1.10 45-man,

$130 - $2.20 STTs

$210 - $5.25 HU

$215 - $3.30 STTs

$270 - $6.25 HU

$357 - $5.50 STTs

$416 - $3.25 45-man

$420 - $10.50 HU

$422 - $6.50 STTs

$440 - $2.20 MTTs, $2.20 180-man

$495 - $3.30 90-man

$585 - $6.50 18-man

$596 - $5.50 27-man

$715 - $11 STTs

$780 - $12 STTs

$820 - $21 HU

$832 - $6.50 45-man

$880 - $4.40 MTT, $4.40 180-man

$975 - $6.50 90-man

$990 - $11 18-man

$1040 - $16 STTs

$1080 - $12 18-man

$1100 - $5.50 MTTs

$1300 - $6.50 MTTs, $12 27-man, $20 STTs

$1430 - $22 STTs

$1440 - $16 18-man

$1530 - $12 45-man

$1560 - $24 STTs

$1650 - $11 90-man

$1755 - $27 STTs

$1760 - $8.80 MTTs

$1950 - $13 90-man

$1980 - $22 18-man

$2100 - $52.50 HU

$2145 - $33 STTs

$2160 - $24 18-man

$2340 - $36 SNGs

$2400 - $11 MTTs

$2430 - $27 18-man

$2470 - $38 STTs

$2600 - $12 MTTs, $12 180-man

$2970 - $33 18-man

$3300 - $16.50 MTTs

$3320 - $26 45-man

$3420 - $38 18-man

$3450 - $27 45-man

$3570 - $55 STTs

$3900 - $60 STTs, $26 90-man

$4200 - $22 MTTs, $22 180-man

$4250 - $105 HU

$4860 - $38 45-man

$4875 - $75 STTs

$4950 - $55 18-man

$5400 - $60 18-man, $27 MTTs

$6600 - $33 MTTs

$7200 - $36 180-man

$7660 - $60 45-man

$7800 - $39 MTTs, $52 90-man

$8250 - $55 90-man

$8500 - $210 HU

$11000 - $55 MTTs

$12000 - $60 MTTs

$15000 - $75 MTTs

$20800 - $109 MTTs

$43000 - $215 MTTs

$106000-$530 MTTs




- For Double or Nothing SNGs, use the HU guidelines. At the higher levels, you will likely need more than 40 buyins due to diminishing ROI potential in these games.

- For MTTs with less than 150 players, use the 90-man guidelines.

- If your favorite game is not found on here, simply multiply the buyin by 40 for HU, 50 for FTP's Matrix SNGs, 65 for STTs, 90 for 18-20 man, 108 for 27-man, 128 for 45-man, 150 for 90-man, or 200 for 180-man or MTTs and add it to the list!

- For satellites, to determine how many buyins you need, use the formula (2000/x), where x is the % of the field that gets paid. For example, if a satellite tournament pays 20% of the field, then (2000/20) = 100, so you need 100 buyins.

- I will be crossposting this on my blog here so if you ever want to reference this, that's the easiest place to find it!

- These buyin recommendations are very conservative and are intended to ensure that you make consistant money while your risk of ruin is extremely minimal. It is made for professional players who cannot afford to replenish their bankroll. Recreational players may feel free to cut these recommendations in half.

- Satellites for must-play tournaments should only be played if you have enough in your bankroll for the target tournament, and you have an edge in that target event. There is an exception to this rule, below.

- I didn't include any game with higher than a 10% rake, because I feel that those games are ripoffs.

- If you are feeling good, don't play too far away from your highest allowable game. For instance, if your bankroll allows you to play $22 SNGs and you are playing $11 SNGs, you are not allowing yourself to make enough money.

- If things have been rough lately, or you have lost confidence, there's no need to play at your highest allowable level. Get back that winning feeling by dropping down, and scoring some wins. You'll still be working towards moving up.


Cashout strategy:


Pay yourself according to volume, not results.


Remove the following from your bankroll every time you play these games:


HU: 2% of your buyin

STTs: 3% of your buyin

18-man: 4% of your buyin

45-man: 5% of your buyin

90-man: 6% of your buyin

180-man/MTT: 8% of your buyin

Also remove all
/Bonuses earned


When your total cashouts reach the site's minimum cashout requirements, then cash out as soon as you can.




- If you are a high buyin player, you may be playing a SNG where you are only expected to attain a very small ROI. In that case, divide your expected long-term ROI by 2 and cash out that much per game. For instance, if you are a $320 STT player who expects to make 2% ROI, cash out 1% ($3.30) per game played. That sounds small, but most of your income is coming from
/bonuses anyway.

- For hyper/superturbo SNGs, only remove 1.5% per game.


Taking shots (optional):


Then allow yourself 1/4 of your cashout money for entertainment. Your shot can be your entertainment. For instance, if you are a $5 player who would like to take a shot at a $50 game, then save up $200 in cashouts, and then withdraw $150. use the other $50 for your game. Obviously this is not optimal, but some people will explode their bankrolls at some point if they never get a chance to chase their dreams!


Just one rule:


- If you take a shot and win, cash out at least 75% of your winnings RIGHT AWAY. Don't try to use the shot to pad your bankroll. The bankroll management plan is already designed to keep you where you are going to make the most money per hour.


When used together, over time, the Bankroll Management and Cashout Strategy will:


- Keep you playing at or near your optimal level. You won't have to decide what games to play. The system will do it for you.

- Ensure that you are beating the games at a high enough ROI to continue to play them. For instance if you maintain a 3% ROI at the $27 18-mans, although you are winning, you will be cashing out too much money (4%) to stay at that level, and the system will drop you back to the $16 level, where you will make more money per game.

- Keep you from facing high % fluctuations in your bankroll so your mindset is good.

- Have you making frequent cashouts no matter what your results are. This stops the endless cycle that some people have of moving up and moving down, but never cashing out!

- Allow you to plan. Your income will be easily predicatable. For instance, if you are going to play 100 $27 18-mans today, you know you will cash out exactly $108, no matter how you do.

- Encourage you to increase your volume.

- Give you the opportunity to take an occasional shot at a bigger event and chase your dreams.


I really hope this helps someone.




*edit - Please give your feedback. If you have any suggestions on how I can make this better, please let me know. My goal is to edit this to perfection, and update this to include whatever new popular games may come up.




Recent Updates:


4/6/10, added €1.10 STTs to this list because very few sites have $1.10 games available. Kudos to Pokerstars for offering a micro stakes SNG without a humongous rake.


4/7/10, changed Double or Nothing recommendations to reflect diminishing possible ROIs at the highest levels.


The following is a list of articles, tools etc that will hopefully enhance your game! Some are by me, and some I just think are good!

Articles by Jennifear:

The Online Tells That Are Most Telling

The Truth About the Withdrawal Curse

Successful Speculating

Tell-Tale Poker

It's Just Not True! The Myths and Falsehoods in Poker

Should You Play Turbo or Regular SNG's

Examining Early SNG Play from a Different View

The Four Ways to Lose a Tournament and How to Avoid Them

Talkin' About Tilt

Advanced SNG bubble play using ICM

The mistakes Low-Limit SNG players are making the most.

Leader of the Stack - HU article

An Introduction to Restealing

Are you getting enough sleep?

Bluffing Article

Good articles not by Jennifear:

Basic Bankroll Management, by Fox

Poker Articles - Advanced Bankroll Management

An Alternate Take on Conventional SNG Strategy, by EpicATC

Nurture Thy Neighbor, by Zpaceman

SNG articles, by Curtains

Coping With No-Limit Hold'em Bullies by Bob Ciaffone

Good SNG Article (Long)

Bullying Bullies, by Daniel Negreanu

Bond18 on Restealing and 4-betting

Bond18 on Position

Bond18 on Ranging

Bond18 on Stack Sizes

To Flip or Not to Flip by Matt Matros

A guide to single table tournaments, by Adam


SNG Confidence Levels

Adjusting play to beat typical low-limit SNG players

Taking advantage of the FEAR of not cashing in a low-limit SNG

Jennifear's BR Management Guide

facing an UTG raise with 99

When to come over the top.........

Problems with going pro

Annette_15: How to play pps in EP with short-med stack.

toughest sng bubble spot, can you really fold here JENNIFEAR plz reply - Pocke

ICM - advice pls - Pocket Fives#3006539

Switching to 18 mans - Pocket Fives

SNGs Are not Solved

Calling on the bubble with AK

Best of Jennifear Vol I

Best of Jennifear Vol II

Best Of Jennifear Vol III

Ryan Fee's 6-max strategy guide

Poker Articles - Tips for Better Multi-Tabling


Jennifear's Poker Palace



Official Poker Rankings



Low Limit starting hands chart

Nash ICM Push/Fold Calculator

Holdem Simulator

ProPokerTools Hold'em Oracle

Popopop Universal Replayer

ICM Calculator: 3 places

ICM Calculator: 5 places

ICM Calculator: 10 places

ICM Poker - Online ICM Applicator

S-C ratings

S-K ratings

Nash Equilibrium Chart

Pushbot Chart

Tournament ICM calculator

Poker tournament analysis tools

DailyVariance Publishing, LLC - FE Equation

Hope that helps!


In keeping up with Vol I, here are examples of hands where I have given advice on a tough hand that I thought that others could learn from. I put them in one place for easy reading. I hope you find these helpful!


















I've been asked a lot where to find my best stuff so I am going to blog posts that I thought were good advice that I have given, and answers to tough hands. Hope you find it helpful.


























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