Cayo Perico Heist Calculator
Exact Cayo Perico payout after the 2026 cuts. Pick your target, auto-fill bags with the best loot, and see each player's cut after Pavel and fencing fees.
Plan your run
Secondary loot on your island (stacks you can reach)
Gold needs at least 2 players (it's behind two keycard doors), so it's ignored for solo runs.
| Player | Cut | Payout |
|---|
| Bag plan (best loot first) | Stacks | Bag space | Value |
|---|
Values are averages; each stack's real value varies slightly. Taking damage costs you secondary loot. Data as of TU 1.73.
July 2026 payout cut: Title Update 1.73 lowered every Cayo Perico primary target except the Panther Statue, cut all secondary loot by 10%, and made the high-value targets reset weekly instead of every 72 hours. Calculators built before July 2026 overestimate your take by 20–40%.
Cayo Perico primary target values (2026)
| Target | Normal | Hard | Before TU 1.73 |
|---|---|---|---|
| Sinsimito Tequila | $400,000 | $440,000 | $630,000 |
| Ruby Necklace | $560,000 | $616,000 | $700,000 |
| Bearer Bonds | $616,000 | $677,600 | $770,000 |
| Pink Diamond | $910,000 | $1,001,000 | $1,300,000 |
| Panther Statue (events only) | $1,900,000 | $2,090,000 | $1,900,000 |
| Madrazo Files (first run only) | $1,100,000 | – | $1,100,000 |
The Panther Statue only appears during Rockstar events, and the Madrazo Files are fixed for your first playthrough. Hard Mode multiplies the primary target by 1.1. To get it, pay the setup fee within 48 real minutes of Pavel's text.
Which target will you get?
Since July 2026, the expensive targets reset every Thursday. The first time you scope the island after the reset, you can't get the Tequila:
| Target | First scope after reset | Repeat runs that week |
|---|---|---|
| Pink Diamond | 20% | 2% |
| Bearer Bonds | 40% | 8% |
| Ruby Necklace | 40% | 10% |
| Sinsimito Tequila | 0% | 80% |
Takeaway: make your first run of the week count. After that, expect Tequila most of the time.
Secondary loot values and bag space
Every player has one bag. Each stack fills a fixed share of it, and you can grab part of a stack. What matters is value per full bag, so the calculator fills bags in this order:
| Loot | Per stack | Bag per stack | Full bag worth | Solo? |
|---|---|---|---|---|
| Gold | $295,500–$300,000 | 66.7% | $446,625 | No (2+ players) |
| Cocaine | $178,200–$182,250 | 50% | $360,450 | Yes |
| Weed | $117,450–$121,500 | 37.5% | $318,600 | Yes |
| Paintings | $141,750–$162,000 | 50% | $303,750 | Yes |
| Cash | $70,875–$74,925 | 25% | $291,600 | Yes |
Gold only spawns behind the compound's dual-keycard doors, so solo players can't take it. Paintings in the office are solo-friendly, but compound paintings also need two keycards. The office safe ($18,000–$99,000) takes no bag space.
How the Cayo Perico payout is calculated
- Gross take = primary target + secondary loot + office safe.
- Fees: Pavel takes 2% and the fence 10%, so 12% comes off the gross. Neither applies on your very first run.
- Cuts: the leader splits the net take. Every player gets at least 15%, so the leader's maximum is 85% with two players, 70% with three, and 55% with four.
- Setup fee: the leader paid $100,000 up front, so subtract it from the leader's cut.
- Elite Challenge: $50,000 on Normal or $100,000 on Hard, paid to each player on top of their cut. You need to finish in under 15 minutes, with every bag full and no failed hacks.
Cooldowns
After a solo finale you wait 144 real minutes before you can set up again; after a crew finale it's 48 minutes. Logging off doesn't pause the timer. Want the full solo route? Read the Cayo Perico solo guide, or compare it with every other job in all GTA Online heist payouts.
Frequently asked questions
How much does Cayo Perico pay in 2026?
After Title Update 1.73 (July 2026), a solo Hard Mode run with the Pink Diamond, a full bag of cocaine and an average safe grosses about $1,419,950. That's roughly $1,149,556 after the 12% fees and the $100,000 setup fee, plus a $100,000 Elite bonus. A Tequila repeat run pays far less, around $655,876.
What is the best secondary loot at Cayo Perico?
Gold is worth the most per bag (about $447k for a full bag) but needs at least two players. Solo, cocaine is best (about $360k a bag), then weed, then paintings, then cash.
How much is the Cayo Perico setup fee and the fees on the take?
Every run after your first costs $100,000 to set up, paid by the leader. Pavel then takes 2% and the fence takes 10% of the whole take, so 12% total.
What is the Cayo Perico cooldown?
144 real minutes (3 in-game days) after a solo finale, or 48 minutes after a finale with a crew. Pay the setup fee within 48 minutes of Pavel's text to unlock Hard Mode, which adds 10% to the primary target.
Why do I keep getting the Tequila?
Since TU 1.73, the high-value targets reset weekly. On your first scope after the Thursday reset there's a 40% chance of Ruby, 40% Bonds and 20% Pink Diamond. On repeat runs that week, Tequila shows up 80% of the time.
Does Hard Mode increase secondary loot?
No. Hard Mode adds 10% to the primary target only, and doubles the Elite Challenge bonus from $50,000 to $100,000.