GTA Online Heist Payout Calculator

Time is Money in Los Santos

In GTA Online, efficiency is the name of the game. Grinding heists is the best way to make money, but not all heists are created equal. The Cayo Perico Heist might offer a huge solo payout, but is it better than farming the Diamond Casino Heist with a coordinated duo? Our Heist Calculator answers this by breaking down the math of "Dollars Per Hour".

We model every variable that affects your final take: Primary Target value, Secondary Loot capacity, fencing fees, Pavel/Lester's cut, and the mandatory crew splits. By tweaking these inputs, you can see exactly how much cash hits your Maze Bank account.

Advanced players use this tool to optimize "Elite Challenges". Knowing exactly how much secondary loot (Gold vs. Cash vs. Paintings) creates a full bag allows you to route your heist perfectly, ensuring you get the Elite Bonus every time.

The Solo vs. Crew Dilemma

The biggest question for grinders is: "Should I go solo or bring a friend?" Solo Cayo Perico is famous for its profitability, but a duo can open keycard doors to access Gold, which is worth significantly more than the Cash or Weed available to solo players.

Our calculator simulates both scenarios. It subtracts the 15-50% cut you give to your teammate and compares the net result against a solo run. Often, bringing a friend to grab Gold results in a *higher* personal take for the host than grabbing lower-value loot alone—math that many players overlook.