Bank It Decision Atlas

The State Delta strategy

Know exactly when to bank.

One formula turns your lead, the round, and the number of opponents into a single banking target. Protect a lead. Push a deficit. Never settle for a score that cannot win.

Leading starts at 150 Tied starts at 200 Trailing starts at 300

One equation, every game state

The formula

The equation first chooses a strategic posture—protect, hold, or chase—then changes its intensity using the size of the score gap, time remaining, and table pressure.

T0 = 225 − 75σ − 25𝟙[D=0] − 3−σ8 · DR · √(N−1)/3
T = max { Q5(T0), banked-opponent guard, final-round guard }
BANK ⇔ safe rolls complete ∧ P ≥ T
PThe current shared pot.
DYour score minus the highest opponent score.
RRounds remaining, including this round.
NTotal players still competing in the game.
σThe sign of D: −1 behind, 0 tied, +1 ahead.
Q₅Clamp to 100–400 and round to the nearest 5.
BOpponents who already banked this round.
TYour recommended banking target.

Try your game state

Live decision calculator

Move the controls. The recommendation updates instantly using the same State Delta equation as the Python simulator.

Recommended target

340
Keep rolling

You are 500 points behind with six rounds left. The four-player pressure factor raises your target above the standard trailing baseline.

From equation to table

Three sample games

Each example follows the recommendation through actual rolls. Doubles after roll three double the pot; a seven would crash every player who has not banked.

4 players · Round 5Down 500

Chasing the leader

Target: 340
3Safe phase complete82
4Roll 4 + 591
5Double 3s ×2182
6Roll 4 + 6192
7Double 5s ×2384
BANK — target cleared+384

A fixed 200 player would stop too early. The deficit justifies surviving for multiplier upside.

4 players · Round 2Up 200

Protecting the lead

Target: 145
3Safe phase complete26
4Double 6s ×252
5Roll 5 + 663
6Double 4s ×2126
7Roll 5 + 6137
8Roll 3 + 5145
BANK — protect the lead+145

The formula accepts fewer points because preserving a 200-point cushion is worth more than chasing another double.

4 players · Final roundDown 500

The only winning line

Target: 501
3Safe phase complete88
4Double 2s ×2176
5Double 5s ×2352
6Roll 5 + 6363
7Double 3s ×2726
BANK — comeback complete+726

Banking 400 would guarantee defeat. In the final round, the formula refuses any target that cannot take the lead.

Simulation evidence

How it performed

Balanced benchmark win rates from the Python simulator. Each policy faced the same opponent combinations with 200 games per matchup.

Policy2 players4 players6 players
Fixed Pot 20054.66%30.82%19.24%
Adaptive 150 / 200 / 30065.28%48.63%40.56%
State Delta formula63.56%49.08%40.41%