Skip to main content
aifinhub
Risk & Portfolio Construction Formula

Kelly Criterion Formula

The Kelly criterion gives the fraction of capital to stake that maximizes the expected logarithm of wealth, which maximizes long-run compound growth. For a bet with win probability p and net odds b to 1, the optimal fraction is f = (bp - q) / b, where q is the loss probability. Betting more than Kelly raises growth volatility while lowering growth; betting less is safer but slower.

By AI Fin Hub Research · AI Fin Hub Team
Best Next MoveCalculators

Fractional Kelly Sizer

Map conviction tiers to fractional Kelly bet sizes with a drawdown Monte Carlo simulator. Client-side. Private by default.

CalculatorOpen ->

On This Page

Formula

Copy the exact expression or work through it step by step below.

f* = (b x p - q) / b = p - q/b where q = 1 - p

Variables

f*

Optimal fraction

The share of current capital to wager. It maximizes the expected log growth rate of wealth. A negative f* means the bet has negative edge and should not be taken.

p

Win probability

Probability the bet wins. In trading this is the estimated hit rate of the setup. Kelly is exquisitely sensitive to errors in p, which is the main practical caution.

q

Loss probability

Probability the bet loses, equal to 1 - p for a binary outcome.

b

Net odds (payoff ratio)

Profit per unit staked if the bet wins, the win/loss payoff ratio. Odds of b to 1 mean a winning 1-unit bet returns b in profit. In trading b is the average win divided by the average loss.

Step By Step

  1. 1

    Estimate the win probability p and the loss probability q = 1 - p.

    A setup wins 55% of the time: p = 0.55, q = 0.45.

  2. 2

    Estimate the net payoff odds b, the ratio of average win to average loss.

    Average win is 1.5x the average loss, so b = 1.5.

  3. 3

    Apply the formula f* = p - q/b.

    0.55 - 0.45/1.5 = 0.55 - 0.30 = 0.25.

  4. 4

    Stake that fraction of capital, recognizing full Kelly is aggressive and most practitioners use a fraction of it.

    Full Kelly says stake 25% of capital; many traders would deploy a quarter or half of that.

Worked Example

Sizing a trade with a 55% hit rate and 1.5:1 reward-to-risk

Win probability p

0.55

Loss probability q

0.45

Net odds b

1.5

f* = p - q/b = 0.55 - 0.45/1.5 = 0.55 - 0.30 = 0.25. Equivalently f* = (b x p - q)/b = (1.5 x 0.55 - 0.45)/1.5 = (0.825 - 0.45)/1.5 = 0.375/1.5 = 0.25.

Full Kelly fraction of 25%. Staking a quarter of capital per trade maximizes long-run log growth under these exact inputs, but it tolerates brutal drawdowns: a string of losses near full Kelly can cut capital in half. Because p and b are estimated, the real edge is uncertain, so most practitioners apply fractional Kelly to protect against overbetting a mismeasured edge.

Common Variations

Fractional Kelly: stake a constant multiple (half or quarter) of f* to cut volatility sharply for a small growth cost.
Continuous Kelly: for normally distributed returns, f* = mu / sigma^2 (excess mean return over variance), the basis of Kelly-optimal portfolio weights.
Multi-asset Kelly: solves for the vector of weights that maximizes log growth given the full covariance matrix of bets.

Try These Tools

Run the numbers next

Sources & References

Related Content

Keep the topic connected

Planning estimates only — not financial, tax, or investment advice.