What It Takes to Play Poker Professionally: Bankroll and Reality

Topic · Strategy & TipsLevel · Advanced PokerRead · 4 min

Playing well and living off it are different problems. The five tests: a real winning sample, bankroll size, the hours arithmetic, surviving downswings, and the costs nobody covers for you.

What It Takes to Play Poker Professionally: Bankroll and Reality

Contents

Playing well and living off it are two different things. Plenty of steadily profitable amateurs do not last a year after turning professional, and the reason is usually not their game — it is bankroll size, income swings and everyday reality. This page lists the thresholds one by one.

It assumes you can already answer the question “am I actually winning”. The method for that is in are you a winning poker player. If you cannot answer it, you are not yet at the stage where going professional is the question.

⚡ Key takeaways
  • ✓Prove you are a winner over a real sample first, then talk about turning professional. The order cannot be reversed.
  • ✓A professional bankroll has to be larger than an amateur one, because you cannot move down as freely during a downswing.
  • ✓Unstable income is normal, so keep living expenses in a separate pot from the bankroll.
  • ✓A downswing can last months, and surviving it is a psychological problem rather than a technical one.
  • ✓No salary, no employer health cover, no bonus — those costs come out of your own hourly rate.

Test one: are you genuinely a winner

This is the one thing that cannot be skipped. Not “I have been running well lately”, but recorded, over a large enough sample, and still positive after rake.

Online that usually means a hundred thousand hands or more; live it means several hundred hours. Anything less and luck has not been filtered out. Turning professional on a thin sample is spending your living expenses to test an unproven hypothesis.

And it has to be the stakes you intend to play. Winning steadily at 1/2 does not mean you beat 2/5 — the jump in opposition quality is often larger than people expect.

Test two: bankroll size

An amateur who busts can stop for a while and save up again. A professional cannot: the bankroll is the tool the job is done with.

The usual guidance is thirty to fifty buy-ins for cash games at your stake, and a hundred or more for tournaments. Going professional means adding to that, because an amateur can simply move down or take a break during a downswing, and an income requirement makes that much harder.

More important still: living expenses have to be completely separate from the bankroll. Once the two are mixed, you keep playing when you should stop, because you need to win today to make rent. That is the fastest way to destroy a professional.

💡 The test is simple: if three losing months would affect your rent, your bankroll is not big enough to go professional.

Test three: the real hours and income arithmetic

Treat it as a job and do the sums.

Suppose your hourly rate at a given stake is $50. A hundred hours a month is $5,000 before tax — but those hundred hours are time actually in the seat, excluding travel, waiting for a seat, reviewing hands and breaks. Real time invested is normally about one and a half times table hours.

Also consider:

  • Hourly rate falls with fatigue. Decision quality in hour eight is not what it was in hour three.
  • Good games are not always available. You cannot commit to eight hours every day without forcing yourself into tables you should not be sitting at.
  • Income swings. Making $10,000 one month and losing $3,000 the next are both inside the normal range.

Test four: surviving a downswing

This is where the highest proportion of people drop out.

Given the scale of variance in online cash games, a genuine winner running badly for two or three consecutive months is entirely normal. An amateur can take a few weeks off; a professional still has to sit down every day.

And the damage from a downswing is not the loss itself. It is that you start doubting your own judgement and change your game to win it back — moving up, playing more hands, bluffing people who never fold. Most players are not beaten by the downswing; they are beaten by their reaction to it.

Test five: everything nobody covers for you

Everything a job provides, professional poker does not:

  • No salary. Income depends entirely on how you played this month and how good the games were.
  • No employer health cover or pension. Both are on you.
  • No bonus, no paid leave, no sick pay. The days you are ill are days at zero.
  • Tax is your problem. The rules vary by jurisdiction, so find out before rather than after.
  • Credit is hard to get. With no proof of salary, renting and borrowing both become awkward.

None of this is meant to put you off. The point is that these costs should be subtracted from your hourly rate before you evaluate anything.

A more realistic sequence

You do not have to jump in one step. Most players who settle into it took this route:

  • Keep the day job, build a real sample in your own time, and confirm you beat a specific stake.
  • Save the full bankroll plus at least six months of living expenses, kept completely separate.
  • Use a long holiday or unpaid leave to run a full-time schedule for a month or two, and see what happens to both the income and your state of mind.
  • Only then go full time, and keep the option of going back to work.

Skipping these steps is not boldness. It just postpones a risk you could have tested cheaply until the point where finding out is most expensive.

Common mistakes

✗ Mistake: Quitting your job on a few profitable monthsGiven the scale of variance in poker, a few months means almost nothing. An average player winning for three straight months is common. What counts is a long enough record, not how you have been running lately.
✗ Mistake: Mixing living expenses with the bankrollWith both in the same account, you keep playing when you should leave, because you need to win today. That damages your bankroll management and your decision quality at the same time.
✗ Mistake: Assuming professional means playing longer hoursMore hours does not mean more income. Fatigue lowers your hourly rate, and grinding through it loses money. What professionals actually do is select games and play when they are sharp.
✗ Mistake: Not counting “no salary” as a costHealth cover, retirement savings, sick days and bonuses all come out of your own pocket. When assessing whether this is viable, subtract them from your hourly rate rather than comparing a pre-tax figure straight against a salary.
FAQ
How large a bankroll do I need to play professionally?
Thirty to fifty buy-ins at your stake for cash games, a hundred or more for tournaments, and a professional should add to that. More important is at least six months of living expenses held completely separately. Mix the two and financial pressure will distort your decisions.
What standard do I need before considering it?
A large enough sample proving you beat your target stake — usually a hundred thousand hands online or several hundred hours live. It also has to be data from the level you intend to play; results at lower stakes do not project upwards.
How long does a downswing usually last?
In online cash games, two or three consecutive losing months are within the normal range even for genuine winners. The real problem is not the loss but whether you move up, play more hands and make decisions you normally would not in order to win it back.
What is the biggest difference between amateur and professional?
Not skill — the fact that you cannot stop. An amateur can leave it alone for weeks when out of form; a professional’s income needs push them to sit down when they should not. That is exactly what the bankroll cushion and separate living expenses buy: the right to not play today.
Can I do this alongside a job?
That is usually the most realistic path. Keep the salary, build the sample in your own time, and only consider going full time once you have confirmed you are genuinely a winner. Many players end up staying in that position permanently, because it keeps both a stable income and the poker profit with far less pressure.

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