
Accumulator Each Way: A Comprehensive Guide
October 30, 2026An accumulator, often called a ‘parlay’ in North America, is a single bet that combines multiple selections. To win an accumulator, all of your selections must be successful. But how many individual bets are actually contained within an accumulator? The answer depends on the type of accumulator. This article focuses on the standard, most common type – a straight accumulator – and specifically, a 5-horse accumulator.
The Calculation: Combinations
The number of bets within an accumulator isn’t immediately obvious. It’s not simply 5 bets. It’s calculated using combinations. We need to figure out how many different ways we can combine our 5 horses into a single winning outcome. The formula for combinations is n! / (r! * (n-r)!), where ‘n’ is the total number of selections (horses in this case) and ‘r’ is the number of selections needed to win (also 5 in a standard accumulator).
However, a simpler way to think about it for a standard accumulator is to consider each possible combination. With 5 horses, the first selection needs to win, and the second, and the third, and the fourth, and the fifth. Each horse represents a leg of the bet.
So, How Many Bets in a 5 Horse Accumulator?
A 5-horse accumulator contains 31 individual bets. This might seem surprising, but it’s because you’re essentially covering every possible combination of those 5 horses winning in a specific order. Let’s break it down:
- 1 bet covering all 5 horses winning.
- 5 bets covering 4 horses winning (each horse being the one that loses).
- 10 bets covering 3 horses winning (various combinations of 2 losing horses).
- 10 bets covering 2 horses winning (various combinations of 3 losing horses).
- 5 bets covering 1 horse winning (various combinations of 4 losing horses).
- 1 bet covering no horses winning (all 5 losing).
Adding these up: 1 + 5 + 10 + 10 + 5 + 1 = 32. However, the standard accumulator only includes the bet where all 5 horses win. The other combinations are covered in other types of accumulators like Patent, Yankee, Canadian, etc.
Why Does This Matter?
Understanding the number of bets within an accumulator is crucial for several reasons:
- Cost: Each bet within the accumulator has a stake. A 5-horse accumulator with a £1 stake actually costs £31.
- Potential Returns: The more bets within the accumulator, the higher the potential return (but also the lower the probability of winning).
- Understanding Different Accumulator Types: Knowing this base calculation helps you understand how more complex accumulator bets (like a Trixie or Heinz) work.
Important Note:
The 31 bets refer to the total number of possible outcomes considered. You are placing a single bet covering those 31 outcomes. The stake is multiplied by the number of combinations.
Always gamble responsibly.




