Best Tested Strategy

Standard game

Bank near these totals

Recommended turn score for banking by number of dice remaining
Dice left Bank near
1 die200
2 dice1,050
3 dice1,150
4 dice1,550
5 dice2,150
6 dice2,150

Targets are rounded up to reachable 50-point scores.

Stealing game

Use the stealing policy

Stealing changes both when to bank and when a carried score is worth taking.

Stealing-game bank and carried-score acceptance targets by number of dice remaining
Dice left Bank near Take steal at
1 die350550
2 dice350450
3 dice1,150350
4 dice1,400250
5 dice1,400150
6 dice1,400No offer

Three Pairs does not change the recommendation; use the same policy with it on or off.

Best policy found in two-player simulation; not mathematically proven optimal.