NFL Odds Calculator

Football brings in more betting handle than any other sport in the US. The NFL regular season presents a schedule of betting opportunities that make the league a unique venture for sports bettors.

Starting with the season’s opening weekend, the NFL plays through a 17-week regular-season schedule each year. Each team plays 16 games with one bye week, and every weekend offers anywhere from 12-16 games open for betting.

The NFL season always brings plenty of surprises, and a team that might seem like a great pick early in the season often ends up as a weekly underdog later in the year. NFL Odds Calculator

Bet TypeSpreads

How NFL Regular Season Odds Are Calculated

The most popular ways to bet on the NFL include moneyline, point spread, and totals betting. Online sportsbooks offer several other ways to bet on NFL games, but it’s important to understand the way fundamental football betting works.

For example, here’s a look at the odds on the Week 13 matchup between the Buffalo Bills and San Francisco 49ers from the 2020 NFL regular season. The lines on that game from DraftKings Sportsbook looked like this right before kickoff:

 Point SpreadTotalsMoneyline
Buffalo Bills+1.5 (-110)Over 48 (-110)+106
San Francisco 49ers-1.5 (-110)Under 48 (-110)-121

 Point Spread

The point spread listed for an NFL game adds points to the underdog’s final score, or subtracts from the favorite’s final point total.

In the example above, the 49ers stand as a 1.5-point favorite over the Bills. For betting purposes, 1.5 points will be added to Buffalo’s score at the end of the game.

If San Francisco wins 31-30, for example, Bills bettors would win the wager. Buffalo would finish with 31.5 points to the 49ers 31 points.


Totals bets simply task the bettor with picking whether the final score will end up under or over the listed point total. For instance, the 31-30 San Francisco win we’ve talked about above would result in a win for Over 48 at DraftKings Sportsbook.


Moneyline bets represent a straight-up wager on what team will win the game, with no point spread involved. Winning bets on the underdog pay off at better odds than the favorite, and a big NFL upset can lead to a big payout on the underdog.

Calculating American Odds

Note that all of the lines on the Bills-49ers games offer payout odds listed in American Odds. The -110 seen on both sides of the points spread and totals line represents a bet that pays -110 American Odds.

To calculate “-“ American Odds, divide 100 by the odds number (without the minus sign) and multiply that quotient by the amount wagered. 

For example, a $50 bet that pays -110 odds would calculate as (100/110)*$50, which converts to (.909*$50) and then to $45.45. A $50 winning bet on -110 odds would return $95.45 total to the bettor ($45.45 profit plus the original $50 bet).

Calculating “+” odds, like the +106 payout on the Bills moneyline bet, involves a slightly different formula. “+” payouts are calculated by dividing the odds number by 100, then multiplying by the amount wagered to determine the profit.

A $50 bet on the +106 line for Buffalo would solve as (110/100)*$50, which calculates to (1.1*$50) and then to $55.

A $50 winning wager at +106 odds would return $105 total to the bettor ($55 profit plus the original $50 bet).

What Causes Point Spread And Moneyline Odds To Change During The Week?

Suppose the Bills-49ers game showed the 49ers as a -4 favorite at DraftKings Sportsbook a week before the game, but by game day the line showed the -1.5 point spread listed above.

The lines on an NFL game can change as the week goes on, sometimes shifting dramatically. Changes can occur right up until kickoff.

If a sportsbook gets too many bets on one side of a line, the book stands to lose big if that side wins. To combat this, sportsbooks will shift the point spread and moneyline odds one way or another, in an effort to get the right amount of money (from the sportsbook’s money-making perspective) on each side of the game.

What Is An NFL Odds Calculator?

The NFL Odds Calculator provides an invaluable tool for researching the lines on each NFL game. We update the lines each week for all NFL regular season games and compare the odds available at each of the top online sportsbooks in the US.

The NFL Odds Calculator presents a comprehensive menu of point spread, moneyline, and totals bets for every week of the NFL season.

How To Use An NFL Odds Calculator

The toggle menu at the top left of the NFL Odds Calculator allows you to look at spreads, moneyline, and totals lines for all games in the upcoming week of the NFL season.

The “open” column shows the odds on the game at the beginning of the week. You can compare that to the various lines offered by each sportsbook on the right, allowing you to evaluate which way the lines have moved throughout the week.

The best odds on a chosen game are highlighted in yellow, displaying the sportsbook offering the best value on a given bet.

With many states offering multiple different online sportsbooks, research and line shopping are essential aspects of a winning betting strategy. The NFL Odds Calculator puts all of the research you need on one page.

Check back with the NFL Odds Calculator every week to see the latest lines at the top sportsbooks in the US.

Where Can I Bet On the NFL Regular Season And Playoffs?

DraftKings Sportsbook

Football bettors in nine US states can legally wager on the NFL with DraftKings Sportsbook. One of the most popular sports betting platforms in the nation, DraftKings Sportsbook offers its services in the following states:

DraftKings offers several different ways to bet on the NFL each week.

Moneyline, point spread, parlays, totals, and player prop bets represent just some of the ways to bet on NFL games at DraftKings Sportsbook. Live in-game betting, which features rapidly changing lines as the game progresses, opens up even more ways to bet on the NFL.

FanDuel Sportsbook

Another of the most popular sports betting brands in the US, FanDuel Sportsbook presents a comprehensive menu of betting options on the NFL season.

FanDuel Sportsbook consistently offers some of the most competitive weekly point spread, moneyline, and totals odds on the NFL. In-game betting options include live player props, with odds that change multiple times as a game plays on.

FanDuel Sportsbook legally operates in these states:

BetMGM Sportsbook

The BetMGM online sportsbook operates as the mobile sports brand offered by MGM Resorts. BetMGM offers legal online sports betting in the following states:

Bettors of all experience levels would do well to include BetMGM among their options for betting on the NFL each week. The mobile sportsbook offering from BetMGM includes a robust number of ways to bet each week.

NFL Odds Calculator FAQ

Is it legal to bet on the NFL in the US?

Yes, as long as it’s done from a state-regulated, legal sportsbook. offers up-to-date information on which states have legal sports betting, and what sportsbooks are live in those states.

Some states offer both online and retail sports betting, while others are restricted to just land-based sportsbooks.

Is it legal to use an NFL Odds Calculator?

Yes. The NFL Odds Calculator is 100% legal, and you can rest assured that sharp bettors across the country are using a tool like this every time they bet.

If you live in a state with several online sportsbooks to choose from, you’re missing out on value and optimized betting strategy if you’re not using an odds calculator.

What kind of bets can I research using the NFL Odds Calculator?

Spreads, totals, and moneyline. The NFL Odds Calculator allows you to toggle among all three of the most popular ways to bet on NFL games.

The latest lines for all three of these ways to bet are on display for the top sportsbooks in the US when you use the NFL Odds Calculator.

How do I find which sportsbook offers the best odds on a game?

The NFL Odds Calculator highlights the best odds for each game in yellow. In most cases, more than one of the sportsbooks listed on the calculator will offer the best odds on a game.

The lines can shift dramatically day-to-day, however, so be sure to check back daily for the updated betting information.

Are all of the sportsbooks listed on the NFL Odds Calculator available in my state?

Some states offer more online sports betting brands than others, and some states don’t allow any kind of legal sports betting.

Check out the guide to online sports betting for a comprehensive outline of what states allow legal sports betting, and which sportsbooks operate in each.