Bankroll40 docs

Growth simulation: the same player, with and without the rules

Version: 1 · 2026-10-02 · a Monte Carlo of one year of play, 20,000 runs per policy; code in spec/figures/sim/sim.ts

The claim the landing page makes is narrow and testable: for a player who already wins, the discipline rules change the spread of outcomes far more than the average, and they remove the outcomes that end a poker journey. This page shows the simulation behind that claim and every assumption in it. Nothing here promises a return; a losing player loses under either policy.

$0k$0k$50k$50k$50kstart $20kstartmonth 3month 6month 9month 12With Bankroll40median $49kWithoutmedian $16kMedian bankroll, USD · shaded band = middle half of 20,000 simulated years
$0k$0k$50k$50k$50kstart $20kstartmonth 3month 6month 9month 12With Bankroll40median $49kWithoutmedian $16kMedian bankroll, USD · shaded band = middle half of 20,000 simulated years
One year, same player — median bankroll by month with the middle half of outcomes shaded; the dashed line is the starting roll.

Assumptions

Input Value Why
Starting roll $20,000 40 buy-ins at 2/5, the standard
Stakes 1/2, 2/5, 5/10, 10/20 USD, 100 bb buy-ins The usual live no-limit ladder
Win rate by stake 8, 6, 3, 0 bb/h Games get tougher up the ladder: a solid winner at 1/2 is a small winner at 5/10 and break-even at 10/20
Standard deviation 60 bb/h Common live no-limit hold'em figure
Volume 4 sessions of 5 h a week for 52 weeks A serious part-time schedule
Disciplined policy Plays the highest stake with 40 buy-ins, moves down under 30, moves up at 50 of the next stake, stop-loss of 3 buy-ins per session The default rule set, ADR-0003
Undisciplined policy Plays the biggest game 15 buy-ins allow, drops only under 5, no stop-loss, chases two more buy-ins half the time after a 3 buy-in loss, and plays the next session 6 bb/h worse after any losing session What the owner's circle actually does on a bad night

Results

With the rules Without
Median bankroll after a year $49k $16k
Tenth to ninetieth percentile $38k to $67k $9k to $30k
Runs that ended below the starting roll 0% 61%
Runs that lost half the roll at some point 0% 92%
Median worst drawdown 16% 66%
Runs that went broke 0% 0%

Two things the table says. The disciplined player grows at the rate their edge allows, around two and a half times in the year on these assumptions, and never spends a month wondering whether the roll survives. The undisciplined player, with the same cards and the same skill, ends the year behind more often than not, because the games they jump into are ones they do not beat, and the tilt after each loss costs edge they cannot afford.

What the simulation does not say