You think Chelsea is leading 1-0 at half time but the match ends 2-2. That’s HT/FT: predicting BOTH the half-time result AND the full-time result. Get both right, win big. This calculator shows you how big.

What It Does: Takes your HT prediction (1, X, or 2) and your FT prediction (1, X, or 2) and shows you the payout. Also explains what your combination means in plain language.

The Odds Situation: HT/FT bets have huge odds because you need two predictions to be correct. Common combinations:

• 1/1 (Home leading at HT, home wins at FT): usually 3.00 to 5.00 odds
• X/1 (Draw at HT, home wins at FT): usually 6.00 to 10.00 odds
• 1/X (Home leading at HT, ends in draw): usually 10.00+ odds

How to Use It:

1. Select your HT prediction (Home, Draw, Away)
2. Select your FT prediction (Home, Draw, Away)
3. Enter your stake
4. Enter the odds for that combo
5. See your potential returns

Real Analysis: You're watching Man City vs small team. You think City scores early and leads at HT, but the small team defends hard and it ends 1-1 at FT. That's 1/X. The odds might be 15.00. ₦2,000 stake = ₦30,000 if you're right.

The Psychology: Most people pick obvious combos like 1/1 or 2/2 (leading at HT, wins at FT). But the real value is in the weird combos that make sense when you think about it. Like a team known for late goals might be X/1 (draw at HT, home win at FT).

Warning: This is gambling territory more than strategy. Yes, you can analyze and predict, but needing TWO correct predictions is tough. Bet small, bet for fun, or bet when you have genuine tactical insight.