itch.io

Hmm. I'm not sure the math is way off. But please correct me if that's the case. 

I calculated it out a bit. First, the coin value itself doesn't factor into the decision of whether to cash out or not, unless getting more would cause you to hit the cap. But just by the straight math of it, if you're considering how much money you get per toss, I think you definitely make more money by banking immediately until you start getting the multiplier up to around 1.5, and the luck up to around 0.7. Below that, it just always seems better to cash out immediately, rather than risk another clip.

The other really important thing to consider is that even if going for two-in-a-row has a slight mathematical edge at a certain point, it's probably still better to bank immediately in order to get enough money to afford the next upgrade ASAP. For example, if I only need $4 to afford an upgrade, and I have $5 I can bank, I should immediately bank it and buy the upgrade, rather than go for a $10 payout. 

I didn't factor in insurance into this. But the whole point is, these numeric values feel kind of lousy for a game like this.