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.


Your email address will not be published.

  1. Play ps4, lvl 40 at the moment but been grinding, looking for decent heist players, or if you need a decent heist player im down. Add my psn: Chur_2Da_Chur

  2. Add me as andre6251 if you want to play gta heists on ps4. I am level 40 and have a kuruma and dedicated to get them done. Cheers.

  3. I'd like to find people who like doing heists. We finish mine, then we can do yours. Xb1 : countrylovin1

  4. Anyone want to do criminal mastermind challenge on Xbox one. Message gamer tag 'Belldarr' if interested

  5. NEED reliable members for heists, Xbox 360, I am lvl 190 and I have a mic. ADD ME my gamer tag is : King Variance

  6. just getting time to do the heists on PS3. I need crew members to help. never done them before. no friends on GTA to help with them.

  7. if i complete all the heists can i go back and do the criminal mastermind challenge for a first time

  8. looking for 2 people to do the last heist need to do set ups message me back before 17:00

  9. how can I do Fleeca job again? I've done it already but I wanted to do it again, can I do it again?

  10. Add me on xbox one gamertag is lofu99
    I will try to join as much heists/setups as possible

  11. Looking for 3 crew members on xbox one to do the pacific standard will give 250,000 per person message back if intrested

  12. Add me on xbone: Snarls Darwin, me and another bro are looking for serious players to fly through heists with, make lots of $$$!

  13. Add me psn lethalinjection94 and add my crew crimknkalz94 let's do these heist and get Tha 10 million Dalor bonusl or heist

  14. I like to join in any heist. my user name is danw_2112 on the PS3. Right now I am Rank/Level 66. The most difficult setup is the Prison Break at the police station. I always have a hard time finding a police car.

  15. I see everybody saying ADD ME!!! but in realtiy none of these dudes can play....die easily...low rank wantin to do heists?? You must be kiddin'.....If your not at least a rank 60-70 at best u need to kill dat

    1. my crew members are all below lvl 40s except for me (130) they had no problem handling themselves, the fact that you are making that general assumption is unnecessary, people want friends and they want to enjoy the game just as much as you do. why do you even care?

  16. I need a crew on ps4 for prison break that can be the pilot and that can lose the cops add me on ps4 or ps3 fryar04

  17. I've completed all 5 heists & each setup with the same 4 crew members & have found it to be a rewarding experience both monetary & entertaining

  18. The criminal mastermind reward is a laugh, considering that it would be very rare to get the same players on each heist. I always click "From Last heist" but none of them accept even though they are on line.

    They complained about not having the heists but nw the they are there no one wants to do them.

    1. I feel you man. Request every second , but their game play is a joke or they don't stay on long enough cause of frustration from dying and restartin the same heists...then the loading prob don't help...

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. Graduating summa cum laude from Università degli Studi Guglielmo Marconi with a BA in Media Production, Aron has been a game journalist since 2014. When not writing, editing or playing, Aron is building models which you can find on Instagram.