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Bankroll for NL100 ($0.50/$1) Poker

How much money you need to play NL100 ($0.50/$1) online no-limit hold’em: about $4,000 with a moderate 40 buy-in rule.

How much bankroll do you need for NL100 ($0.50/$1)?

NL100 is a meaningful income level for many online players. Games are tough and rake is lower as a percentage than at micro stakes, but variance is unchanged. Most serious players keep 40–50 buy-ins at this level.

ApproachWith $100 buy-ins (100bb)
Aggressive (30 buy-ins)$3,000
Moderate (40 buy-ins)$4,000
Conservative (60 buy-ins)$6,000

Online games are faster and more volatile per hour, so we recommend more buy-ins than for live play. If poker money comes from your salary and you can top it up, the aggressive figure is fine. If your bankroll is all you have, use the conservative one.

What can you expect to win?

A solid winner might make 3–6 bb/100, which is $3–$6 per 100 hands. Results swing a lot in the short term: see how big your swings could be with the variance calculator, and check your chance of going broke with the risk of ruin calculator.

Move-up and move-down rules for NL100

  • Move down if your bankroll drops below 30 buy-ins ($3,000).
  • Move up when you have 40 buy-ins for the next level.
  • Take shots with a fixed number of buy-ins set aside, and step back down if you lose them.

Open the bankroll calculator for NL100 to plug in your own bankroll, or read our full poker bankroll management guide.

These are guidelines, not guarantees. The right number of buy-ins depends on your win rate, how much your results swing, whether you can top up your bankroll, and how you would feel about moving down. Not financial advice.