Ultimate GTA Online Heists Guide


Payout Distribution

Heists are unfortunately the scenes of much of the trolling and griefing in the game.

Some players join heists just to mess with their team-mates. Some go to the effort of legitimately helping through all of the setup missions and much of the finale just to screw it all up for everyone in the last moment. However, many such players don't go into the heist with the intention of ruining it all.

Sometimes they're ticked off by the allocation of the heist's payout, which they think is unfair. The guide has been adapted from and is based on the work of Steam user and GTA Online player Old Billy Riley, so props to him for putting all this together. You can check out the original guide here.

Each heist in GTA Online comes with a set-up fee that the host has to pay upfront and is never refunded. If the team fails, if someone quits, then the host basically loses that cash. Each heist is preceded by a few setup missions that need to be completed before the finale can be initiated. These setup missions have small payouts for the team members, but the host receives no reward for their completion.

The percentage allocation should be done with this in mind, seeing as the host only gets anything out of the finale, while the members are rewarded for the set-ups. The idea is to allocate cash in such a way that in the end everyone gets a fair share out of the whole heist, not just the finale.

Usually, this will leave a small extra amount of cash which can then be distributed in whatever which way the host likes. Either give it to a member who displayed exceptional performance during the missions, distribute it among everyone or keep it for your self.

The guide will assume that the finale and all the setup missions for each heist are played on the same difficulty.

Technically, player may change the difficulty in between missions, however putting together accurate calculations for each and every possible permutation is way too much work. Now, if you'd rather just see a basic rundown of how to distribute funds without reading through all the explanations, the below table provides the fair numbers for each heist, based on the payouts of the Normal difficulty setting.

The numbers do change in some cases based on difficulty, and if you're interested in the run-down of how these numbers were calculated, feel free to keep on reading!

Optimal Heist Payouts

Cut The Fleeca Job 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%
Bonus 0% 15% 10% 10% 10%

First of all, let's get some etiquette out of the way: If you've been in on the heist since the start, you've been getting payouts from the setup missions, therefore the host deserves a higher cut. If you've only joined in on the finale, then you haven't contributed nearly as much as the others, especially the host, therefore the host, again, deserves a higher cut. We'll start with the shortest and easiest heist first and work our way up.

The Fleeca Job


  • Heist Finale Payout:
    • Easy: $57,000
    • Normal: $115,000
    • Hard: $143,500
  • Heist Setup Mission Payout:
    • Easy: $4,370
    • Normal: $8,740
    • Hard: $10,925
% 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%

Prison Break


  • 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
% 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


  • 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
% 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


  • 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
% 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

Things are a bit more complex when it comes to the game's biggest and toughest heist. This is as hard as GTA Online ever can get, nothing so far has managed to eclipse it in terms of difficulty. An added problem here is that in the finale, the bounty is carried out in duffle bags by the heist members. Thing is, if anyone carrying a bag takes damage, they lose some of the cash.

As such, it is pretty difficult to get the full payout from the heist. There exists the Kuruma-method, wherein the nearby apartment can be used to acquire one of the member's armored vehicles with which it is possible to get almost all of the cash out, however not every player is familiar with this. A good tactic here is to have one player carry the whole take, lowering the chances of taking damage. Of course, the other members have to protect the carrier with everything they have.

Old Billy Riley has drafted up three success tiers to account for all situations.

  • 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
% 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%

More important than anything in heists is proper etiquette towards your team mates. The host is putting up a lot that could be lost for this heist, so you should never bitch about getting what you feel is a low cut if it conforms with this guide. Messing up an otherwise solid heist run on purpose is about as bad as hacking when looking at the online-asshole scale in GTA Online. These heists take time, skill and effort to complete. They're as much an investment as a way of gaining cash in-game.

Aron Gerencser
Aron is responsible for the bulk of the news posts that you'll find on GTA BOOM each and every day. He loves getting involved with the community and is an avid fan of all things Rockstar Games. His journey with the franchise began with GTA 2 back when it was new (all the way back in 1999), and he was a gamer even before then. Find Aron on Facebook.