UPCOZ GGR/GMR/NGR Calculator

Full per-bet P&L — GGR, GMR, NGR, taxes, fees, bank costs & company overheads | UPCOZ + Calvin models

Bet Details

Settled
Unsettled
Win
Loss
Void/Refund
Cash
Bonus
Mixed
Calvin: reduces RM Turnover only
Racing
Sport
Single
Multi
Exotic

Jurisdiction & Models

GMR subtracts same wins as GGR but uses RM Turnover base only.

Payment & Bank Fees

Applied to turnover per bet
Flat fee on all txns%

UPCOZ Overheads

Fixed cost per transaction — same $ for every bet regardless of stake
Total bets / transactions per month — drives fixed cost per bet
MONTHLY COSTS (editable)
Staff / Wages$
Office / Rent$
Platform (BetMakers)$
GWIC Racing Licence$
Compliance / Legal$
Marketing / Promos$
Insurance$
Accounting / Audit$
Odds Feed / Data$
Hosting / Infra$
Misc / Other$
OVERHEAD PER BET (FIXED)
0.00%
THIS BET'S OVERHEAD
$0.00

Results

Total Turnover
$0.00
Payout
$0.00
GGR CALVIN
$0.00
RM+Bonus TO − Wins
GMR (RM Only)
$0.00
RM TO − All Wins
TRUE NGR (GGR)
$0.00
After all costs
TRUE NGR (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
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
= 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 NGR 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
= After Payment$0.00
− Overhead (allocated)$0.00
= TRUE NGR (GGR)$0.00

True NGR 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
= After Payment$0.00
− Overhead (allocated)$0.00
= TRUE NGR (GMR)$0.00

Step-by-Step

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.
POC tax is assessed on aggregated monthly NWR, not per-bet. Shown here at full statutory rate (conservative/worst-case estimate). Overhead recovered as % of turnover — scales proportionally with bet size.