A football accumulator is calculated by multiplying the odds of all the selections within your bet. Here's an example: If you place a £10 fourfold accumulator with the following odds - 2/1, 1/1, 1/3, and 4/1, you would get a total return of £400, including your initial stake. Your bookmaker should show you the odds and the potential returns of your accumulator before you place it so there's no need to do your own maths!