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Poker Bankroll Management and Buy-Ins Explained

Updated 30 October 2026 · 4 min read

A poker bankroll is the money you set aside only for poker. Managing it well keeps you playing through the normal ups and downs of the game, without risking money you need for life.

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What is a buy-in?

A buy-in is the amount of chips you bring to the table, or the entry fee for a tournament. At cash tables the buy-in is usually between a minimum and a maximum, such as 40 to 200 big blinds. In a tournament, everyone pays the same entry and gets the same starting stack.

How many buy-ins should I keep?

FormatSuggested bankroll
Cash games20 to 30 buy-ins for the stake you play
Sit & Go50 or more buy-ins
Multi-table tournaments100 or more buy-ins

These are guidelines: more buy-ins means less risk of going broke during a bad run. Move down in stakes after a losing streak instead of chasing losses.

Chip denominations and the chip calculator

At a live game, chips come in colours. An easy home game set: white = 1, red = 5, green = 25, black = 100. A chip calculator or blind calculator helps decide how many chips each denomination you need for a given number of players and starting stack. Online, chips are counted for you.

Session limits

Frequently asked questions

What is a good bankroll for poker?

At least 20–30 buy-ins for cash games and many more for tournaments, kept separate from living expenses.

What is a buy-in in poker?

The amount you pay or bring to the table to start playing.

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