
You need less than you think: a format, sensible chips, three house rules, and a way to keep the money straight. Here's the whole playbook, start to settle-up.
A cash game means chips are money at a fixed rate — people can join late, leave early, and rebuy when they bust. That flexibility is exactly what a living-room game needs. Tournaments are great later (one winner, fixed cost), but they punish latecomers and knock people out of their own party.
The classic home stakes are $0.25/$0.50 blinds with a $20–$50 buy-in. The math that matters: a buy-in should be about 100 big blinds — deep enough that one bad hand doesn't end someone's night.
For a $20 buy-in at $0.25/$0.50, give everyone the same starting rack — mostly small chips, because 90% of the action happens in small bets:
| Chip | Value | Count | Subtotal |
|---|---|---|---|
| White | $0.25 | 20 | $5 |
| Red | $0.50 | 10 | $5 |
| Green | $1 | 5 | $5 |
| Black | $5 | 1 | $5 |
| Total | 36 | $20 |
Deeper on chip math and blind levels in our blind structures & chip values guide.
If you'd rather deal zero physical chips: everyone brings a phone, you host a free table at Master Poker, and friends join with one link — no installs, no accounts needed to sit down. Real blinds and timers run themselves, every pot is dealt exactly, the ledger keeps itself, and at the end you get a settle-up card that says exactly who pays whom with the fewest possible transfers. The cards-and-snacks part stays exactly as analog as you like.
Two to three buy-ins is the comfortable norm — for a $20 game, bring $40–$60 and you'll never feel squeezed by one cold stretch of cards.
A cash game lasts exactly as long as you want — agree on a quitting time up front (say 11pm, "last three hands" called out loud) so nobody's trapped while losing.
Rules vary by place, but the common thread is that social play with no house cut is treated differently from running a card room. Know your local rules. Master Poker itself is play-chips only — how your group handles money away from the table is your own business.
Host your first table free — friends join with one link No installs · blinds & timers run themselves · settle-up computed at the end