Grand Theft Auto V

Grand Theft Auto V

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GTA Online: Fairest Heist Payout Percentages
By Fish
How much money should each crew member actually receive from a GTA:Online heist finale? Hopefully this guide will show you just how much a fair amount is for each heist and give a little guidance on how to split each heist differently.
 
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Introduction
This is a quick guide for hosts and crew members alike to see the fairest split of money for each heist and hopefully overcome some of the ♥♥♥♥♥ing about what cut everybody should be getting.

For each job there is a host and crew cut displayed which add up to give the host and crew members the same (or as close as it can be) monetary gain from the course of the entire heist.

Also displayed is an excess percentage which can be shared between the players in the lobby as the host sees fit. You could split this excess based on any of the following:
  • Performance
  • Number of missions that a certain player has played with you
  • Which player has the most difficult job in the upcoming hiest finale
  • Who's name you like the most
  • ...or just keep it all for yourself as host.
Whatever floats your boat.

    For those of you who just want a quick reference, here is a table of the fairest percentage divisions based on normal difficulty:
% Cut The Fleeca Job The Prison Break The Humaine Labs Raid Series A Funding The Pacific Standard Job
Host 60% 40% 45% 45% 45%
Crew 40% 15% 15% 15% 15%
Leftover (to be split between all 4 players as the host sees fit) 0% 15% 10% 10% 10%
Assumptions
There are 2 main assumptions that this guide is based on at this time:

  1. All heists are played on the same difficulty for the setup missions and the finale.
    • Making this guide for a whole host of different combinations of difficulties would be too convoluted. There is a section at the end of this guide on how to work out the figures for yourself which you should follow if you are mixing and matching difficulties. Most public games you run into are all on normal difficulty in any case.
  2. Setup mission rewards...
    • The values are all accurate to what you will receive in-game although there do seem to be occasions that I notice while playing that the amount fluctuates (only ever by $500). I'm not quite sure why this happens but given that you will also receive money for any setups that you fail, that more than balances it out.

The other point to note is that I have included the payments given to crew members during the heist setup missions. This shouldn't be rocket science but as a crew member joining a heist finale you have either completed the necessary setup missions and so will get as much as the host at the end of the heist (since the host recieves no payment for setup missions) or you have not invested the time in doing the setup missions and do not deserve the same amount as the heist leader at the end of the heist.
The Fleeca Job
    Note: The values for setup missions have been verified ingame as the reward given.

Heist Details
  • Heist Setup Cost: $11,450
  • Number of Setup Missions: 1 (+ intro setup)
  • Heist Finale Payout:
    • Easy: $57,000
    • Normal: $115,000
    • Hard: $143,500
  • Heist Setup Mission Payout:
    • Easy: $4,370
    • Normal: $8,740 ($4,370*2)
    • Hard: $10,925

Suggested Heist Split

% Cut Easy Normal Hard
Host 35+20.1+7.7 = 65% 40+10+7.6= 60% 40+8+7.6 = 55%
Crew 35% 40% 40%
Excess 0% 0% 5%
The Prison Break
    Note: The values for setup missions have been verified ingame as the reward given.

Heist Details
  • Heist Setup Cost: $40,000
  • Number of Setup Missions: 4
  • Heist Finale Payout:
    • Easy: $200,000
    • Normal: $400,000
    • Hard: $500,000
  • Heist Setup Mission Payout:
    • Easy: $7,600
    • Normal: $15,200
    • Hard: $19,000

Suggested Heist Split

% Cut Easy Normal Hard
Host 15+20+15.2 = 50% 15+10+15.2 = 40% 15+8+15.2 = 40%
Crew 15% 15% 15%
Excess 5% 15% 15%
The Humane Labs Raid
    Note: The values for setup missions are based on screenshots obtained from another player but have not been verified by myself.

Heist Details
  • Heist Setup Cost: $54,000
  • Number of Setup Missions: 5
  • Heist Finale Payout:
    • Easy: $270,000
    • Normal: $540,000
    • Hard: $675,000
  • Heist Setup Mission Payout:
    • Easy: $10,260
    • Normal: $20,520
    • Hard: $25,650

Suggested Heist Split

% Cut Easy Normal Hard
Host 15+20+19 = 55% 15+10+19 = 45% 15+8+19 = 40%
Crew 15% 15% 15%
Excess 0% 10% 15%
Series A Funding
    Note: The values for setup missions are based on screenshots obtained from another player but have not been verified by myself.

Heist Details
  • Heist Setup Cost: $40,400
  • Number of Setup Missions: 5
  • Heist Finale Payout:
    • Easy: $202,000
    • Normal: $404,000
    • Hard: $505,000
  • Heist Setup Mission Payout:
    • Easy: $7,676
    • Normal: $15,352
    • Hard: $19,190

Suggested Heist Split

% Cut Easy Normal Hard
Host 15+20+19 = 55% 15+10+19 = 45% 15+8+19 = 40%
Crew 15% 15% 15%
Excess 0% 10% 15%
The Pacific Standard Job
    Note: It is possible to use the nearby apartment to access a Karuma which makes getting 90-100% payout on this heist fairly trivial. If you can do it, go ahead - I've included the payout splits for 100% but this is an exploit and many people do not know about it or do not own the garage there to be able to do it.

The Pacific Standard Job has a mechanic attatched which will reduce your pay from the advertised amount which is something that not everybody who hasn't played the heist finale realises. Every time a crew member carrying a money bag takes damage, money is lost. This means that while the heist in theory pays out $1,000,000, in practice you will recieve much lower amounts. Even though this isn't really a guide for advice, a PSA would be to let one player take all the money from the vault. That way, you only lose money if they get hit.


With a fairly average team but decent bag carriers on normal difficulty, I have recieved around $700,000 from this job but with a bad crew or bad luck you will find that amount easily decreasing to $600,000 or under. The flip side of this is that with a good crew you might get $800,000 or more.



I have calculated several crew splits here for average ($700k), bad ($600K) and good ($800k) cases.
Bear in mind though that there's no guarantee of getting a certain payout and that if you get less than expected from the finale it is the host who loses out most having already payed the $100,000 setup fee and not recieved the $100,000 from setup missions.

    Note: I have limited experience playing this heist on easy/hard so have included only two scenarios for each. The first is for 100% (probably using the karuma exploit), the other is based on getting 70% of the potential take (which is the percentage of the take that I would count as average on normal).

Heist Details
  • Heist Setup Cost: $100,000
  • Number of Setup Missions: 5
  • Heist Finale Payout:
    • Easy: Up to $500,000
    • Normal: Up to $1,000,000
      • Bad run: $600,000 (60% of potential take)
      • Average run: $700,000 (70% of potential take)
      • Good run: $800,000 (80% of potential take)
    • Hard: Up to $1,250,000
  • Heist Setup Mission Payout:
    • Easy: $10,450
    • Normal: $20,900
    • Hard: $26,125

Suggested Heist Split

% Cut Easy (100% - $500K) Easy (70% - $350K) Normal (Bad - $600K) Normal (Avg - $700K) Normal (Good - $800K) Hard (70% - $875K Hard (100% - $1,250K)
Host 15+20+10.5 = 45% 10+28.6+14.9 = 55% 15+16.7+17.4 = 50% 15+14.3+14.9 = 45% 15+12.5+13.1 = 40% 15+11.4+14.9 = 40% 20+8+10.5 = 40%
Crew 15% 10% 15% 15% 15% 15% 20%
Excess 10% 15% 5% 10% 15% 15% 0%
How These Percentages Are Worked Out
It's all very well and good seeing the figures but how did I arrive at these percentages? I'll give you an example using the Series A Funding Heist (with slightly rounded values to make the maths nicer):

Starting by recapping the heist details:

  • Heist Setup Cost: $40,400
  • Number of Setup Missions: 5
  • Heist Finale Payout:
    • Easy: $202,000
    • Normal: $404,000
    • Hard: $505,000
  • Heist Setup Mission Payout:
    • Easy: $10,000
    • Normal: $20,000
    • Hard: $25,000

Then take a look at the % of the final cut that the host is out due to not getting money from setup missions and from paying the setup cost:

We work out the percentage of the final cut needed to cover a cost using the formula shown below:
(value/heist finale payout)*100

    If all setups and the finale are done on normal:
  • Initial Cost:
    • The host spends $40,400 on the heist...
    • ...which is (40,400/404,000)*100 = 10% of the total heist payout.
  • Percentage needed to make up for not receiving money from setup:
    • Everybody else receives a payment of $20,000 for each of the 5 setup missions which the host does not get and should be made up for by increasing the host's share.
    • The host should receive an extra ((20,000*5)/404,000)*100 = 24.8% to make up for this.

Then use Rockstar's default split as a starting point by assigning 15% to each player. Add the percentages calculated above to the host's 15% and see what is left. In this instance it is:
  • Host: 15+10+24.8 = 49.8 = 50%
  • Crew: 15%
  • Leftover: 5%
    Note: percentages must be rounded to the nearest multiple of 5 at this point (but not earlier).

What you end up with at this point is the percentage of the cut from the heist finale that the host would need to receive to have the same net profit as a crew member. There is some excess as you see which can be shared out as the host sees fit.
If that excess is 20% (i.e. if it can be divided by 4 to give a multiple of 5) then it can be split so that each crew member and the heist leader earns an additional 5% each.


This process has been followed for all of the heists that you see - it's not complicated but displaying the working for all the heists on different difficulties would waste too much space.
Closing Summary
All there is to say here is that you can see how Rockstar came up with their default 55/15/15/15 - they found the fairest split and then gave the excess to the host. I would consider splitting the excess over other players rather than giving it all to the host as Rockstar have done but really it is up to you....

...Which leads to a final PSA I guess:
    In a game with a host, the host sets the rules. If you hate them or think that they are too unreasonable, don't play with that host. Please don't waste your time, the host's time and everybody else in that lobby's time intentionally ♥♥♥♥ing up the mission to get back at a host who didn't give you that extra 5%.

Cheers for reading and I hope you found something here useful!
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89 Comments
Dino Feb 26 @ 2:06pm 
Yeah, 20% is bullshit
くま Sep 15, 2016 @ 3:05pm 
Everyone always forgets to start the heists the leader has to spend $200,000 on an apartment. That means the take from the first heist can't possibly pay for the true set up cost

The 11K is waived by Lester first time, too

I got it on sale for 100K and the math ended up working out something like this

Fleeca: 70% or $100,000~ (10K in the red since 100K only covers the apartment, not the missed setup mission money, doh)
Prison: 25% for achievement
Humane Labs: 55%
Series A: 55%
Pacific Standard: 45%

The goal being to get a fair 25%+the buy in+the setup mission $ for every heist after the Prison Break (IIRC 25% Prison Break take is just enough to pay for the buy in, missed setup $, and the missing 10K Fleeca setup $. You break even.)

TLDR: 20% for each crewman all the time is retarded
Scud Scrimple Jul 14, 2016 @ 9:51am 
You can get all 1,250,000 on the pacific standard using the kuruma glitch
Fish  [author] Mar 23, 2016 @ 8:14pm 
Likewise - I almost exclusively do the pacific on hard using the karuma. That sheet is pretty good, looks like the same maths I did presented in a different way.

Just bear in mind though that what I've written both in the comments and in this guide is in relation to all the heists on all difficulties. You may have been talking about one (admittedly popular) scenario but a fair number of people who have commented probably weren't so bear that in mind :)

Let's hope that some day Rockstar introduce a way to split it equally but until then I'd just like to see as little friction between people as possible. I may not have as much time ingame as you but I have a lot of experience with co-op games and GTA 5 heists are pretty unique in that any one player can hold the entire lobby hostage, kill the lobby or waste everybody's time. Ultimately it'd be nice for people to just play the game - I've wasted far too much of my life over disagreements about how much everybody is getting paid.
Chris★ Mar 23, 2016 @ 4:45pm 
PS: All I said only applies to Pacific Standard on HARD. I'm not qualified to talk about any other Heists or level difficulties, because I don't play them. My focus is only Pacific on Hard, because it's the one that pays most, as of now.
Chris★ Mar 23, 2016 @ 4:40pm 
@tavish, don't get me wrong, it's simple a matter of experience and common sense, check my reply to Old Billy below...
Chris★ Mar 23, 2016 @ 4:39pm 
Fair point @Old Billy, but for experienced players, or at least players that speak the same language, it's really, really easy to get full payout on Pacific using the "Kuruma trick". I really don't remember when was the last time I didn't make it full on Pacific.

There's already a really good Sheet (not mine) explaining Pacific Standard payments on HARD, I don't remeber the link right now, but I found a print: http://i.imgur.com/saz5nFi.jpg

40/20 CUT: The host gets 25k more than others.
55/15 CUT: The host gets 275k more than others. Pretty UNFAIR, if you ask me!

Or R* let people set custom percentages or 40/20 is the way to go, that simple. Of course, the Host has all the trouble to setup the thing, invite people, and so on, but between 40/20 and 55/15, there isn't really a mean term thanks to R*.

I agree with your last sentence, of course, if one happen to parachute into a Finale and didn't do sh*t before, he has the obligation to accept 15%.
ZastavaArms_Tavish Mar 23, 2016 @ 9:17am 
"you have less hours therefore your argument is invalid" Nice one lad.
Fish  [author] Mar 23, 2016 @ 9:11am 
If you take a look at a lot of the heists on hard difficulty it is impossible to split them in a way which is 100% fair. Now, I agree with you in part and have the general rule in my lobbies that if people have been with me for the majority of the setups (not just 1 or 2) then they deserve 20%.

That having been said, if the host gives everybody 20% (with the exeption of a 100% cash run on hard Pacific), they make less than everybody else. Just as you might refuse to play (or ruin somebody's lobby - which many people do and makes you an asshole regardless) for 5% less, I see no reason why a host should have to take less money than his crew, especially since he has to go through all the bullshit of finding and dealing with players.

Frankly I never go into a heist expecting 20% because if you do the maths you realise it can never be fair. I'd rather finish with 15% than leave because the host won't give me 20%.
Chris★ Mar 22, 2016 @ 8:09pm 
40/20/20/20 on HARD is the way to go, ALWAYS. Those who complain that people ask for 20% are just miserable cheapskate. I always pay 20% on my Heists, and I always DEMAND 20% cut when playing as crew, because I'm a proficient player, and as such, I don't take alms as payment!

Take for example this little kid below: only 312h of GTA V, less than half the hours I have spent in the game, crying because people ask for 20%, it's their fu**ing right to ask for a DECENT payout genius.

The only, I repeat, the only exception is when people join ONLY the FINALE. Then, you could pay 15% or even 10% (in some rare cases), after all, they didn't help you since setup #1.