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GTA Online

Cayo Perico vs Casino Heist: Which Pays More?

Pick Cayo Perico for solo money, Casino for coordinated crews: in 2026 tests, a strong solo Cayo cycle averages about 550k-900k per real-time hour after cooldowns, while a clean 2-3 player Casino run lands roughly 600k-1.1m per player per hour.

Key facts

CostKosatka submarine about 2.2m base plus optional Sparrow and missiles; Arcade about 1.0m-3.5m base with optional Master Control Terminal. Each finale has a 25k setup fee. Prices can change in sales or updates.
EarningsCayo solo nets about 1.0m-1.9m per clear depending on target and secondaries; Casino duo/trio gross around 2.1m-3.6m before Lester and crew cuts, typically 700k-1.2m per player after cuts on good loot. Confirm current values in-game.
Top pick for soloCayo Perico; consistent 1.0m-1.9m net per run depending on primary and secondaries, about 550k-900k per hour after cooldowns.
Top pick for organized teamsDiamond Casino Duo or Trio; roughly 600k-1.1m per player per hour on Gold or Diamonds with lean crew cuts.
Cayo cooldownCommonly reported around 144 minutes solo and shorter with a crew; confirm in-game as this has changed with updates.
Setup costsKosatka from about 2.2m; Arcade from about 1.0m-3.5m. Each heist has a 25k setup fee.
Crew cuts and feesCasino loses about 5 percent to Lester plus support crew shares; Cayo has a small fencing fee deduction. Percentages can vary per update.
Time per runCayo heist itself 12-18 minutes solo; Casino 45-75 minutes including essential preps for skilled duos/trios.
Loot volatilityCayo primary target and Casino vault contents rotate; Diamonds are event-limited and can swing Casino well above average.
ROI horizonKosatka pays itself back in roughly 3-6 Cayo clears; Arcade pays back in about 2-5 strong Casino clears, depending on targets and splits.

Short answer: Cayo Perico wins for solo grinders, Diamond Casino wins for organized duos or trios on good vault loot. Since Rockstar's cooldown and target rotation changes, you cannot spam Cayo anymore, but a disciplined loop still beats trying to duo Casino if you lack chemistry. If you have two or three competent friends and pull Gold or Diamonds in the vault, Casino edges out Cayo on per-player hourly returns.

Ranked today for pure money: 1) Cayo Perico Solo, 2) Diamond Casino Duo or Trio, 3) Cayo Perico with a crew focused on secondary gold inside the compound. Cayo's strength is self-reliance and consistent primary-target money, while Casino's strength is scaling team income when you secure high-value vault contents and keep crew cuts lean. Exact figures shift with title updates and event weeks, so confirm the current values in-game before you plan a grind.

Cayo Perico basics: buy a Kosatka, scope the island, steal a primary target. Typical solo net per run ranges about 1.0m-1.9m depending on the primary (Tequila low end, Panther statue only appears occasionally and spikes the top end) and what secondary loot you can bag. Since the mid-2023 balance pass, most players report a solo replay cooldown in the 2-hour-plus range; groups see a shorter cooldown. Fast solo heist time is 12-18 minutes, but the cooldown means your effective hourly comes from mixing in other activities between runs. Expect roughly 550k-900k per real-time hour if you are efficient and lucky on targets.

Diamond Casino basics: buy an Arcade, prep a Silent and Sneaky or Big Con approach, and hit the vault. Vault contents vary: Cash is weakest, Gold is very good, Diamonds only show up during limited events. A clean duo or trio with minimal support crew can pull around 2.1m-3.6m gross, then you lose Lester's cut (about 5 percent), support crew cuts, and player splits. After all cuts and a fair 50-50 or 33-33-33 split, many lobbies land near 700k-1.2m per player per run on Gold or Diamonds, often taking 45-75 minutes including key preps. With no forced cooldown, practiced teams can chain runs and average roughly 600k-1.1m per player per hour.

Verdict you can act on: If you mostly play solo, prioritize Cayo Perico. Buy the Kosatka first, learn a silent compound route, and fold other money makers into the cooldown window. If you have a reliable duo or trio, push Diamond Casino on Gold or Diamonds weeks and keep support crew cuts tight. If the vault rolls Cash and your team is rusty, do Cayo instead and check the vault again later.

Tips

  • Buy the Kosatka first if you play solo often; the Sparrow upgrade speeds all Cayo preps and island approach.
  • On Cayo, solo players should prioritize cocaine over weed and cash if found outside the compound; gold inside compound requires 2 players to open double-keycard doors.
  • For Casino, practice Big Con routes with Gruppe Sechs disguises and minimize support crew shares by picking competent low-cut members.
  • Scope thoroughly: an extra 5 minutes scouting can add 200k-400k in secondaries on Cayo or flip a weak Cash vault to a later Gold/Diamonds run on Casino.
  • Run Hard Mode on Cayo when offered for a payout boost; if the primary rolls low value, consider completing fast and relying on secondaries rather than over-looting risky spots.
  • Use downtime from Cayo cooldown to source and sell Special Cargo or run Agency/VIP work so your real-time hourly stays high.
  • Keep finales clean: on both heists, stealth preserves take; alarms, deaths, and wasted time erode per-hour more than most players think.

FAQ

Which heist pays more per hour right now for a solo player?
Cayo Perico. After the cooldown changes, an efficient solo cycle still averages roughly 550k-900k per real-time hour when you mix in other activities during the cooldown. Casino requires at least a duo and usually will not beat that per-hour for a solo-only grinder.
When does Diamond Casino beat Cayo Perico?
With a practiced duo or trio, on Gold or event Diamonds vaults, and with lean crew cuts. Clean runs often yield about 600k-1.1m per player per hour. If you roll Cash or your team struggles with stealth, Cayo is usually better that day.
How big are the cuts and fees?
Casino typically loses around 5 percent to Lester plus support crew shares that vary by approach and picks. Cayo has a small fencing fee deduction. Rockstar has adjusted percentages in past updates, so check the finale board for the current numbers before you start.
What should I buy first: Kosatka or Arcade?
If you often play solo, get the Kosatka first. It pays itself back quickly in 3-6 clears and does not depend on teammates. If you have a steady duo or trio, the Arcade unlocks Casino, which can edge out Cayo on good vault loot once your team is consistent.

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