spunk.bet → Blog → HiLo Strategy Guide
Updated February 2026 · 18 min read
HiLo is beautifully simple. You see a card (or number). You guess whether the next card will be higher or lower. If you're right, your multiplier goes up. If you're wrong, you lose.
You can cash out after any correct guess. String together multiple correct guesses and your multiplier compounds. Three correct guesses might give you 3-5x. Five correct guesses could be 10x or more.
The key insight: not all guesses are equal. If the current card is a 2, guessing "higher" is almost a sure thing. If it's a 7 (right in the middle), it's basically a coin flip.
The payout for each guess reflects the probability. Easy guesses (like "higher" on a 2) pay small multipliers. Hard guesses (like "higher" on a King) pay big multipliers. The game rewards you for taking risks.
Let's say the game uses numbers 1-13 (like a deck of cards: Ace through King). Here's your chance of guessing correctly:
| Current Card | Chance "Higher" Wins | Chance "Lower" Wins | Best Guess |
|---|---|---|---|
| 1 (Ace) | 92.3% | 0% | Higher |
| 2 | 84.6% | 7.7% | Higher |
| 3 | 76.9% | 15.4% | Higher |
| 5 | 61.5% | 30.8% | Higher |
| 7 | 46.2% | 46.2% | Either (coin flip) |
| 9 | 30.8% | 61.5% | Lower |
| 11 | 15.4% | 76.9% | Lower |
| 13 (King) | 0% | 92.3% | Lower |
The strategy is obvious: always guess in the direction with more room. Low card? Guess higher. High card? Guess lower. Middle card? That's where it gets interesting.
When you see a 1, 2, 12, or 13, you're in a great spot. The probability is heavily in your favor.
Always guess in the obvious direction. A 2 means "higher." A 12 means "lower." The payout per guess will be small (because it's easy), but you'll build streaks consistently.
Edge cards are where you make your money in HiLo. Not from big individual payouts, but from long streaks of correct guesses. Five easy guesses in a row beats one lucky hard guess most of the time.
When you see a 6, 7, or 8, you're in trouble. The odds are close to 50/50 either way. This is where HiLo becomes a real gamble.
Your options with a middle card:
The worst mistake: agonizing over a middle card. The odds are the same either way. Pick one and move on.
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Claim Your Free SPUNKThe real money in HiLo comes from streaks. Each correct guess multiplies your payout. The longer the streak, the bigger the win.
Here's the key: easy guesses build streaks, hard guesses break them.
The optimal strategy for streaks:
This conservative approach won't give you 100x wins. But it will give you steady 2-5x wins with high consistency. Over a session of 50 rounds, that adds up.
If you have any multiplier above 2x and a middle card appears, cash out. Don't gamble a guaranteed win on a coin flip.
Set a target before each round. "I'll cash out at 3x." When you hit it, cash out. No exceptions. No "one more guess."
For beginners, cash out after 3 correct guesses regardless of the multiplier. This builds discipline and locks in consistent small wins.
Both. The luck is in which cards appear. The skill is in knowing when to cash out and how to manage your bankroll. You can't control the cards, but you can control your decisions.
Always guess in the obvious direction (higher for low cards, lower for high cards). Cash out when you see a middle card. Start with 3-guess targets and increase as you get comfortable.
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3-5 correct guesses is a good target for most players. Longer streaks are possible but increasingly risky, especially when middle cards appear.
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