Staying in control while gambling online is crucial. That’s why we created the Responsible Gambling Planner & Risk Profiler — a free tool designed to help you assess your gambling behavior, set a safe budget, and receive personalized suggestions to play responsibly.
This free Responsible Gambling Planner helps you set a realistic monthly gambling budget, size your per-session stake, and check your risk level with a fast nine-question screen. It runs locally in your browser and gives you clear deposit caps, loss limits, and win-stop suggestions — so you know exactly how to play within your means.
What the Responsible Gambling Planner does
The Responsible Gambling Planner is a free, browser-based tool that:
- Calculates a monthly gambling budget from your disposable income (income minus essential expenses), using a conservative default cap (5%) you can tighten or loosen.
- Converts that monthly figure into a weekly and per-session budget based on how often you play.
- Recommends deposit caps (monthly/weekly/daily), a loss stop (when to walk away), a win-stop (when to bank a profit), and a sensible reality check timer.
- Includes a nine-item PGSI-style (Problem Gambling Severity Index) risk profiler so you can self-check for behaviors like chasing losses, betting more than planned, or borrowing to gamble.
- Lets you save your plan locally or copy it to your notes. No sign-in. No server calls.
The goal is simple: a clear plan you can act on — before you open a casino tab.
How to Use the Responsible Gambling Planner
- Enter your monthly income and fixed expenses (rent, bills, food, debt).
- Leave the cap at 5% of disposable income (or tighten to 2–3% if you want stricter control).
- Set your typical sessions per week and session length.
- Click Calculate Budget to see your monthly/weekly and per-session budget.
- Review your deposit caps, loss stop, win-stop, and stake per spin.
- Answer the 9 risk profiler questions and click Analyze Risk.
- Copy or save your plan and apply these settings on your casino account.
Tip: Keep a clear distinction between “bonus” and “real” balance. Avoid offers that require long play or heavy wagering to unlock.
🎯 Responsible Gambling Planner & Risk Profiler
Plan a safe budget, size your stake, and set limits that fit your play. Runs locally — nothing is sent anywhere.
1) Monthly Budget Calculator · disposable-income based
Pick a stake so your per-session budget covers roughly ~200 spins.
2) Gambling Risk Profiler · PGSI-style (9 items, 0–3)
Answer for the last 12 months. 0=Never, 1=Sometimes, 2=Most of the time, 3=Almost always.
– (0/27)
3) Suggested Limits & Stake Sizing
4) Final Summary & Action Plan
What Your Responsible Gambling Plan Means
- Monthly Budget – The entertainment money available for gambling after essential bills.
- Weekly Budget / Per-Session Budget – How much to spend per week and per session, aligned to how often you play.
- Deposit Limits – Caps to apply on the site (monthly/weekly/daily) so you can’t exceed your budget.
- Loss Stop – The point (~50% of a session budget) where you end a session without chasing.
- Win-Stop – A target (~2× session budget) where you bank profit and step away.
- Stake per Spin – A suggested bet size so each session covers ~200 spins for consistent pacing.
- Risk Category – A screen of recent behavior that guides how strict your safeguards should be.
Why disposable-income budgeting works (and how our math works)
Disposable income = Monthly Income − Fixed Expenses (rent, bills, food, debt minimums).
Our Responsible Gambling Planner then applies a cap — default 5% — to that leftover amount. That gives your Monthly Gambling Budget. We then translate it into weekly (divide by ~4.33) and per-session numbers based on your typical sessions per week.
Why 5%? In consumer finance, tiny fixed percentages are a practical guardrail. Tight caps keep gambling in the “entertainment” category — not a line item you need to win back. If your expenses exceed income, the Planner will nudge you: avoid gambling until your budget is positive.
What you can adjust:
- Cap % (e.g., 2–5% for tight control; 6–10% is looser and not recommended if you’ve chased losses).
- Sessions/week and session length to match your real play pattern; the tool uses these to fine-tune the risk profiler and per-session plan.
How the risk profiler (PGSI-style) helps
The built-in screen mirrors well-known PGSI items (nine behaviors scored 0 = never to 3 = almost always). It totals 0–27 and sorts you into broad categories:
- Low (0–2): keep limits and reality checks in place.
- Moderate (3–7): enable daily/weekly caps, reduce session length, and avoid sticky/rollover-heavy bonuses.
- High (8+): consider cool-offs or self-exclusion, remove saved payment methods, and talk to a support organization.
This is not a diagnosis; it’s a practical signal to choose the right safeguards. The Responsible Gambling Planner translates your score into actionable settings (tighter caps, shorter sessions, stronger stop-loss/win-stop rules) you can apply at the cashier and in your own schedule.
(Background reading in “Links & Sources” below.)
Suggested limits: deposit caps, loss stop, win-stop, and reality checks
The Responsible Gambling Planner outputs four limit types you can implement on most licensed sites:
- Deposit limits:
- Monthly cap = your monthly gambling budget.
- Weekly cap ≈ monthly/4.33 (round down).
- Daily cap ≈ weekly/7 (round down).
These caps prevent “just one more top-up” and match your budget to actual platform controls.
- Loss stop (per session):
- We set this to ~50% of your per-session budget.
- Why not 100%? Because reaching -50% is where tilt risk spikes; stopping early protects the rest of your budget for future sessions.
- Win-stop (per session):
- We set this to ~2× your per-session budget.
- It’s a nudge to bank a good run before fatigue and longer sessions erode decision quality.
- Reality check:
- A pop-up reminder (e.g., every 30 minutes) to review time and outcome.
- If you’re moderate/high risk or playing high-volatility slots, shorten this to 15 minutes.
Stake sizing: how much per spin?
A simple way to keep sessions sustainable is to cover about ~200 spins per session. The Responsible Gambling Planner uses your per-session budget to suggest a stake per spin:
Stake ≈ Per-Session Budget ÷ 200
Examples:
- €40 per session → ~€0.20 per spin
- €80 per session → ~€0.40 per spin
Why 200? It’s enough spin volume to experience a slot’s volatility without rushing, and it keeps any single session from hinging on a tiny number of outcomes. If you choose extremely volatile games, consider ~300–400 spins at a smaller stake.
Example walk-through (with math)
Let’s say you enter:
- Income: €2,500/month
- Fixed expenses: €1,900
- Cap: 5% of disposable income
- Sessions/week: 2
- Session length: 1.5 hours
Step 1: Disposable income = €2,500 − €1,900 = €600
Step 2: Monthly gambling budget = 5% of 600 = €30
Step 3: Weekly budget = 30 ÷ 4.33 ≈ €6.93
Step 4: Per-session budget (2 sessions/week) = 6.93 ÷ 2 ≈ €3.47
Limits the tool suggests:
- Deposit caps: Monthly €30, Weekly €6.90, Daily €0.98
- Loss stop per session: ~€1.75 (50%)
- Win-stop per session: ~€7.00 (2×)
- Stake per spin (200 spins): €0.02
Result: play stays firmly in “entertainment money” territory. If these numbers feel small, that’s the point: the Responsible Gambling Planner is designed to keep you safe first.
If your disposable income turns negative, the tool will tell you to pause gambling until your budget is positive again.
Saving, privacy & data usage
Your plan can be saved locally in your browser’s storage (or copied to clipboard). The Responsible Gambling Planner does not send data to a server; everything runs in your tab. If you share a device, use your browser’s guest profile or clear saved data when you’re done.
🙋♂️ Why Use a Responsible Gambling Tool?
Gambling is fun — but only when it’s under control. This planner helps you:
- Keep your playtime and spending in check
- Avoid impulse deposits or risky behavior
- Get a clearer picture of your habits
- Take steps early if risk signs appear
It’s anonymous, free, and developed with practical advice in mind.
Red flags and what to do next
If the risk profiler flags moderate or high risk — or you notice any of the following — tighten limits now and consider professional help:
- Chasing losses or gambling longer than planned
- Hiding activity, feeling guilt/anxiety after sessions
- Borrowing money or using credit to gamble
- Missing work/study or skipping responsibilities
Your next steps can be as light-touch as time-outs and cool-offs, or as strong as self-exclusion. In the “Links & Sources” section you’ll find reputable support organizations and standards bodies you can lean on immediately.
❓ FAQ – Responsible Gambling Planner
What makes this Responsible Gambling Planner different?
It ties your plan to disposable income, not guesses, and outputs realistic deposit caps, loss stop, win-stop, and stake per spin you can apply in minutes. It also includes a quick PGSI-style risk screen to tailor safeguards to your situation.
Is the risk profiler a diagnosis?
No. It’s a screening tool that highlights behaviors linked with harm. If you score moderate or high, treat it as a prompt to act (tighter limits, breaks, outside support).
How strict should my budget cap be?
The default 5% of disposable income is conservative. Many players prefer 2–3% if they’ve chased losses in the past, or if their income/expenses are variable.
Why do you recommend a 50% loss stop?
Because decision quality deteriorates after significant drawdowns. Stopping at ~50% preserves bankroll for future sessions and reduces “all-or-nothing” chases.
Should I ever raise deposit limits mid-month?
As a rule, no. Set limits when you’re calm. If you feel the urge to raise them, that’s a signal to take a break and review your plan.
Does the tool account for game volatility?
Indirectly. The stake-per-spin suggestion (200 spins) is designed for typical online slots. For high-volatility titles, reduce stake or lengthen sessions only if your budget supports it.
What if my expenses exceed my income?
The Planner will warn you and set your monthly gambling budget to €0. Gambling with negative disposable income is not safe — delay play and focus on finances.
Can I use the Responsible Gambling Planner for sports betting or live casino?
Yes. The budgeting and limit-setting framework is universal. For sports or live tables, treat the “per-session” number as your daily or slate budget.
Is my data private?
Yes. Everything runs locally in your browser. Use the Save/Load buttons for your own device only; clear storage if you share devices.
What if I already feel out of control?
Use time-outs or self-exclusion immediately, remove saved payment methods, and contact a support organization listed in the links below.
💡 Final Thoughts
The Responsible Gambling Planner & Risk Profiler is more than a calculator — it’s a mindset tool. Take 5 minutes to complete it and get clarity on your playstyle, risk profile, and how to protect your experience.
The Responsible Gambling Planner keeps the math honest and the decisions simple: a budget you can afford, limits you can actually use, and a quick screen that nudges you toward safer choices.
Ready to start? Try the tool now and share it with friends who gamble!