Frequently Asked Questions

What is AllChalk?

AllChalk is an AI-powered horse racing prediction service. Our machine learning models, trained on millions of North American thoroughbred races, project the full order of finish for every thoroughbred race in North America, every day. Every prediction is graded against the official Equibase result charts, and our winning picks are posted daily with their payouts.

How does the AI work?

Our custom models analyze speed figures, pace scenarios, jockey and trainer combinations, class levels, weather, track bias, post position, distance, surface, and dozens of other factors. Predictions update every 15 minutes throughout the day to account for scratches, changing weather, and how the track is actually playing.

Who is AllChalk for?

Experienced handicappers use AllChalk as a tireless second opinion. It validates picks, challenges assumptions, and surfaces value they might have overlooked.

Newcomers get a data-driven starting point without years of learning to read past performances. You can see how the AI ranks every horse, follow the Best Bets and curated exotic tickets, and learn as you go.

What tracks do you cover?

Every thoroughbred track in North America. Every track, every race, every day. Churchill Downs on Derby day or a Tuesday card at Finger Lakes. We currently cover thoroughbreds only (no harness or quarter horse racing) and North America only. International coverage is on our roadmap.

How much does AllChalk cost?

$5 for single-day access, $25 per month, or $149.99 per year for unlimited access to every track and every feature. The yearly plan works out at half the monthly rate. That is a fraction of comparable services, most of which charge $40 to $99 per month, and less than a single past performance purchase at many tracks.

What can I see for free?

Our Best Bets, Most Likely Winners, Longshots, and Exotic Picks pages are free every day with no account required, and every race page shows our projected winner. A free account adds one complete non-stakes race report per day. A day pass or monthly subscription unlocks the full projected order of finish on every race, along with the Pick 3 through Pick 6 ticket generators and Expected Blowouts.

How do I cancel?

Anytime, from your account settings. There is no long-term commitment, nobody to phone and no form to fill in, and you never have to email us to stop a renewal. Your access continues through the end of the period you paid for.

What is your refund policy?

If something went wrong on our end, such as a billing mistake or a double charge, email [email protected] and we will make it right. We do not refund based on race outcomes, because no handicapping service can, but we deal fairly and quickly with any billing issue.

How accurate is AllChalk?

We do not publish a single accuracy number, because one number would mislead you. Hit rates swing with track, class, field size, and price, and any service quoting one flattering percentage is selling you something.

What we do instead: every prediction we make is graded against the official Equibase result charts, and our winning picks are posted every day, with payouts, on our Yesterday's Winners page. Check it any day and judge for yourself.

Will I make money if I subscribe?

Honest answer: we cannot guarantee profits, and anyone who does is lying to you. Horse racing has a built-in takeout of roughly 15 to 25 percent, and blindly betting every race, on anyone's picks including ours, is a tough way to beat it. Our members do best by being selective: high-conviction Best Bets, races where the AI disagrees with the public, and well-structured multi-race tickets. AllChalk provides the analysis. The betting decisions, the bankroll management, and the results are yours.

What are your biggest wins?

Our record ticket: a Pick 4 at Turfway Park that cost $147 and paid $89,530.43 (February 2026), posted publicly before the races ran. Recent win-pick highlights include Cohesive at $90.00 (Penn National, June 2026) and Baby Vino at $58.00 (Monmouth Park, July 2026). Scores like these are the exception, not the routine, but they are real and they are on the record.

What does "lengths behind" mean?

Our projected winner is shown at 0.00 lengths, and every other horse is ranked by how far behind we project them to finish. A horse at 4.2 lengths is projected to finish about 4.2 horse lengths behind the winner, roughly 8 to 9 feet per length.

What is the difference between a 1 length and a 6 length projected margin?

Margin is confidence. A projection of 6 or more lengths is a potential blowout and a horse to single. A top three separated by less than 2 lengths means a competitive race that could go several ways, so spread your tickets. This one number tells you when to be bold and when to be careful.

Why did the pick change during the day?

Because the race changed. Our models re-run every 15 minutes, and a scratch, a rider change, a surface switch, or a developing track bias can flip a projection. The pick shown closest to post time is our final call, and it is what our published results are graded on. If you bet early, check back before post, especially after scratches.

What if AllChalk disagrees with the morning line favorite?

That is often where the value is. The morning line predicts how the public will bet, not who will win. When our AI disagrees, it may have found a pace setup, a trainer pattern, a bias, or a class edge the crowd is missing. These spots are worth a close look.

Does AllChalk account for pace and track bias?

Yes, both are core to the model. Pace: early speed, projected race shape, and how each running style fits it. Bias: whether the rail is golden or closers are flying, updated through the day from how the track is actually playing, not how it played last week.

What are Best Bets?

Our highest-conviction plays of the day. These are races where projected margin, historical performance in similar spots, and expected value line up. If you only look at one page a day, make it this one.

What is Bombs Away?

Longshots with legitimate upset potential. These are horses the public is likely underestimating, where our AI sees a much closer race than the odds suggest. They hit less often by design, but when they land they land big. Watch for the flag.

What are AllChalk Favorites?

Races where our AI independently agrees with the morning line favorite. The data confirms the chalk. Useful as parlay anchors and multi-race singles.

What are Expected Blowouts?

Races where the model projects a dominant winner with a large margin over the field. Prime spots to single a horse in multi-race tickets or key them on top of vertical exotics.

Do you build exotic tickets?

Yes. We construct Pick 3, Pick 4, Pick 5, and Pick 6 tickets, with singles where we are confident and spreads where the race is open, plus Daily Double picks. Play them as built or use them as scaffolding for your own tickets. The projected order of finish also maps directly onto exactas, trifectas, and superfectas. Tight top-three margins say box. One dominant horse says key on top and spread underneath.

Should I bet every AllChalk pick?

No. We predict every race, but that does not mean every race is worth betting. The best players are selective: Best Bets, value disagreements with the public, and well-structured sequences. Passing a race costs nothing.

Can I use AllChalk for handicapping tournaments?

Absolutely, and many members do (NHC, HorseTourneys, and similar). Projected margins tell you when to single and when a race is too open to trust one pick, which is exactly the judgment tournament play rewards.

Any bankroll advice?

Never bet money you cannot afford to lose. Keep stakes consistent and do not chase. Track your results over hundreds of bets, not one afternoon. That is the timescale on which an edge, or a leak, shows itself.

Does AllChalk place bets for me?

No. We are a handicapping tool, not a sportsbook or ADW. Place your bets through your preferred licensed platform (FanDuel Racing, TVG, TwinSpires, Xpressbet, and others).

How old do I have to be?

You must be of legal wagering age in your jurisdiction, which is 18 to 21 depending on where you live. AllChalk is not intended for minors.

What if gambling stops being fun?

If you or someone you know has a gambling problem, call the National Problem Gambling Helpline at 1-800-GAMBLER (1-800-522-4700) or visit ncpgambling.org. Racing should be entertainment. When it is not, step away. The races will still be here.

Is this gambling or financial advice?

No. AllChalk provides predictions for informational and entertainment purposes only. Past performance does not guarantee future results, and wagering involves risk of loss.

How do I get help?

Email us at [email protected]. We are a small team and we read, and answer, every message.

Is there a mobile app?

AllChalk is fully mobile responsive. Open allchalk.ai in your phone's browser. Works great trackside.

Is there a community?

Yes. Join our Discord (link on the homepage) to talk picks and results with other members, or find us on Reddit at r/horsehandicapping.

Why should I trust an AI over my own handicapping?

You should not blindly trust any single source, including us. Our edge is processing decades of racing data instantly, with no emotional bias, no favorite horses, and no hunches, and then publishing a graded record you can check. Use AllChalk as a weapon in your arsenal, not a replacement for your brain.