I've been digging into baccarat probabilities lately and stumbled on this tool that's been useful for sanity-checking the math: bac calculator

What I liked is that it actually walks through the third-card draw rules properly — most quick calculators online just hand-wave that part and report a rough house edge. This one lets you plug in custom bet sizes and shows the expected return for banker / player / tie side by side, including the 5% commission on banker wins.

A few things I'm still curious about and would love opinions on:

• How much does deck count (6 vs 8 decks) actually move the needle on banker EV in practice? The shift looks tiny on paper.
• For anyone who's run Monte Carlo sims — do the analytical numbers from tools like this match your simulation output, or do you see drift?
• Are there side bets (Dragon Bonus, Panda 8, etc.) where the published house edge varies a lot between sources?

Not affiliated with the site, just found it more transparent than most. Sharing in case it's useful to anyone else nerding out on game math.