UPCOZ GGR/GMR/NGR Calculator
Full per-bet P&L — GGR, GMR, NGR, taxes, fees, bank costs & company overheads | UPCOZ + Calvin models
Jurisdiction & Models
Punter's State (POC + GST)
NSW VIC QLD SA WA TAS ACT NT NZ INT
Event Location (Racing/Sport Fee)
NSW VIC QLD SA WA TAS ACT NT NZ INT
GGR Model
UPCOZ — (Cash+Bonus TO − Refunds − Wins)
Calvin — split refunds, adj, RM vs Bonus TO
Insaaf — settled only, 4-branch (Betmakers Daily)
GMR Model
Calvin — RM TO only (excl bonus TO)
None (Insaaf has no GMR)
GMR subtracts same wins as GGR but uses RM Turnover base only.
NGR Model
UPCOZ Simple (GGR × 30%)
Payment & Bank Fees
Deposit Method
Debit Card Apple Pay Google Pay PayID / Bank Transfer Cash
Deposit Amount ($)
Withdrawal Method (if win)
Bank Transfer (EFT) PayID Card Reversal
UPCOZ Overheads
Costs recovered as % of turnover — scales with bet size
OVERHEAD RECOVERY RATE
0.00%
THIS BET'S OVERHEAD
$0.00
Results
UNSETTLED — projected values. Insaaf/Betmakers model (when enabled) treats unsettled differently.
GGR CALVIN
$0.00
RM+Bonus TO − Wins
GMR (RM Only)
$0.00
RM TO − All Wins
Simple NGR (GGR × 30%)
$0.00
Affiliates & commission
TRUE P&L (GGR)
$0.00
After all costs
TRUE P&L (GMR)
$0.00
Real money basis
GGR & GMR (Calvin)
RM Stakes $0.00
− Cash Refunds $0.00
− Adjustments $0.00
= RM Turnover $0.00
Bonus Stakes $0.00
− Bonus Refunds $0.00
= Bonus Turnover $0.00
Total Turnover $0.00
− Cash Wins $0.00
− Bonus Wins $0.00
= GGR $0.00
= GMR (RM TO − All Wins) $0.00
GGR % 0.00%
GMR % 0.00%
Taxes & Body Fees
GGR $0.00
− POC est. (VIC ) $0.00
− GST (1/11) $0.00
− Racing Fee $0.00
= Detailed NGR (GGR) $0.00
= Simple NGR (×30%) $0.00
GMR $0.00
− POC est. (on GMR) $0.00
− GST (on GMR) $0.00
− Racing Fee $0.00
= Detailed NGR (GMR) $0.00
Payment & Bank Costs
Deposit fee $0.00
Withdrawal fee $0.00
= Total Payment $0.00
Overhead / Bet
Staff $0.00
Platform / Tech $0.00
Marketing $0.00
Compliance $0.00
Other $0.00
= Overhead / Bet $0.00
True P&L Waterfall — GGR Basis
GGR $0.00
− POC Tax (est.) $0.00
− GST $0.00
− Racing/Sport Fee $0.00
= Detailed NGR $0.00
− Deposit Processing $0.00
− Withdrawal Processing $0.00
= After Payment $0.00
− Overhead (allocated) $0.00
= TRUE P&L (GGR) $0.00
True P&L Waterfall — GMR Basis
GMR (RM TO only) $0.00
− POC Tax est. (GMR) $0.00
− GST (on GMR) $0.00
− Racing/Sport Fee $0.00
= Detailed NGR (GMR) $0.00
− Deposit Processing $0.00
− Withdrawal Processing $0.00
= After Payment $0.00
− Overhead (allocated) $0.00
= TRUE P&L (GMR) $0.00
Rates: UPCOZ Dec 2025. POC/GST by punter state. Racing/sport fees by event location. Calvin model: split refunds by bet type, exclude bonus-bet-win, adjustments reduce RM TO only.