Tool
Money Train Bonus Buy Calculator: Cost and Expected Return
Pick a Money Train game and buy option, enter your bet, and see what one bonus buy costs and what the RTP says it returns on average. It's a reality check, not a prediction.
On this page
Bonus buy calculator
Works in your browser; nothing is sent anywhere. Prices and RTPs come from our bonus buy guide.
All options at a $1 bet
| Option | Price | RTP | Average return | Average loss |
|---|---|---|---|---|
| Money Train: Bonus buy | $80.00 | 98.0% | $78.40 | $1.60 |
| Money Train 2: Bonus buy | $100.00 | 98.0% | $98.00 | $2.00 |
| Money Train 3: 1 respin | $20.00 | 96.5% | $19.30 | $0.70 |
| Money Train 3: 2 respins | $50.00 | 96.5% | $48.25 | $1.75 |
| Money Train 3: Standard | $100.00 | 96.5% | $96.50 | $3.50 |
| Money Train 3: + persistent | $500.00 | 96.5% | $482.50 | $17.50 |
| Money Train 4: Original | $100.00 | 96.5% | $96.50 | $3.50 |
| Money Train 4: Persistent | $500.00 | 96.5% | $482.50 | $17.50 |
| Money Train 5: Free Spins | $100.00 | 96.5% | $96.50 | $3.50 |
| Money Train 5: Ultra Free Spins | $250.00 | 96.5% | $241.25 | $8.75 |
| Money Train 5: Super Free Spins | $500.00 | 96.5% | $482.50 | $17.50 |
| Money Train 5: Ultra Super Free Spins | $2,000.00 | 96.5% | $1,930.00 | $70.00 |
Money Train 5 buy RTPs from OLBG only. Not available where bonus buys are banned, such as the UK.
How to read the result
Average loss is a long-run figure
It's what thousands of buys would cost on average. Your next buy will almost never return exactly the average.
Most of the return is concentrated
A small share of bonuses pays very large amounts. Many single buys return less than their price.
Buys spend fast
One standard buy costs the same as about 100 regular spins, spent in a few seconds.
Set a budget in buys
Decide in advance how many buys your budget covers, and stop when they're used.
Calculator FAQ
Is buying the bonus cheaper than spinning for it?
On paper the average loss per bonus is lower when you buy, because buy RTPs are slightly higher and you skip the base game. But you also spend much faster, and the risk per click is far higher. It doesn't make buying a good deal.
Why does the calculator say I lose money on average?
Because every option has an RTP below 100%. The house edge applies to bonus buys too.
Can I use the calculator in the UK?
Yes, as information, but UK-licensed casinos don't offer bonus buys.
Play responsibly
Every Money Train game is high volatility: long losing streaks are part of the design. Treat gambling as paid entertainment, set a budget before you start and stop when it's gone.
BeGambleAware (UK) · GamCare (UK) · Gambling Therapy (worldwide) · 1-800-MY-RESET (US). More on our responsible gambling page. 18+ only.