GTA Online Heist Payout Calculator

GTA Online Heist Tier List (2026)

Not all heists are equal. The meta in 2026 is dominated by Cayo Perico and the Diamond Casino Heist because they deliver the highest GTA$/hr with solo or small-crew flexibility. Here's the complete tier breakdown:

Cayo Perico Heist — Complete Payout Guide

Introduced in December 2020, the Cayo Perico Heist is the first in GTA Online that can be completed entirely solo. That single feature makes it the most efficient money-making activity in the game, because there's no crew cut to pay.

Target Selection

The primary target on El Rubio's compound is randomly assigned each time you scope the island. The Panther Statue ($1.90M) and Pink Diamond ($1.43M) are rare special-event items — Rockstar activates them periodically and they generate significant community buzz when they appear. For day-to-day grinding, Bearer Bonds ($1.10M) is the standard S-Tier target.

Stealth vs. Aggressive — Which Pays More?

Always choose Stealth unless your crew cannot execute a clean infiltration. Aggressive play triggers an island-wide alert the moment you're spotted, causing secondary loot (paintings, gold, weed) to be much harder to collect. The primary target is unaffected, but the combined secondary haul typically drops by 10–15%, translating to $50K–$150K less per run for experienced players who normally clear secondary objectives.

Diamond Casino Heist — Vault Contents & Approach

The Diamond Casino Heist (December 2019) was the top-earning heist before Cayo Perico launched. It still holds the record for the highest single-run payout when Diamonds are in the vault, and it's the best co-op heist for a crew of 2–4.

Vault Contents (Max Take)

• Cash$2,115,000 — Most common vault contents. Reliable but lowest payout.
• Artwork$2,350,000 — Medium frequency. Slightly better than cash with similar difficulty.
• Gold$2,585,000 — High-value default target for grinding crews. Heavy but worth it.
• Diamonds ★$3,619,000 — Event-only. Activated by Rockstar; yields $1M+ more than gold. Monitor the GTA Online news for event windows.

Always scope the vault during your prep run. The vault contents are locked in when you scope — if the vault contains Cash, you can quit the planning board and restart the scope mission without losing progress to fish for better contents.

How Does the Heist Cut Split Work?

The heist host pays the setup costs (typically $25K–$100K across all prep missions) and takes on the coordination burden. As compensation, the host almost always takes a larger share of the final take. Standard crew expectations in the GTA Online community:

• 2 players: 60/40 (host takes 60%) or 50/50 between close friends.
• 3 players: 40/30/30 or 50/25/25.
• 4 players: 40/20/20/20 is the community standard for public lobbies.

For Cayo Perico, running solo means you keep 100% — this is the main reason it dominates the GTA$/hr rankings even against higher-gross heists like Casino Diamonds.

Frequently Asked Questions