College Football 2026

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20,000 simulations of the real 887-game FBS schedule, all ten conference title games and the twelve-team playoff - a ratings model built from three seasons of opponent-adjusted margins, anchored to the AP poll and the title market, predicting every Top 25 game as the season plays out.

points-v3 · AP Week 3 2026-09-13 · updated 2026-09-16 · after 180 games

The race for the national title

Share of simulated seasons each program wins the CFP National Championship.

The twelve-team field12 teams

Five conference champions and seven at-large, seeded straight by committee rank, byes to the top four seeds.

How the field fills
Because only four power conferences exist, at least one of the five champion bids always goes to a Group of 5 league, so eleven spots are effectively contested by the Power 4 and Notre Dame, and the twelfth is reserved for the best Group of 5 champion, with a second sneaking in when one earns it.

The eleven contested spots - Power 4 + Notre Dame

SolidIndependents · qualifying
91.6%
playoff · bye 68%
LikelyBig Ten · qualifying
77.3%
playoff · bye 40.9%
LeanACC · qualifying
74.1%
playoff · bye 38.1%
LeanBig Ten · qualifying
71%
playoff · bye 33.6%
Toss-upSEC · qualifying
58%
playoff · bye 22.3%
Toss-upSEC · qualifying
55%
playoff · bye 27%
Toss-upBig Ten · qualifying
54.8%
playoff · bye 18.3%
Toss-upSEC · qualifying
54.4%
playoff · bye 22.4%
Toss-upSEC · qualifying
46.1%
playoff · bye 18.5%
Toss-upBig 12 · qualifying
44.5%
playoff · bye 11.8%
Toss-upSEC · qualifying
42.5%
playoff · bye 13.8%
UnlikelyBig 12
38.6%
playoff · bye 12%
Show all 14 teams
UnlikelySEC
36.7%
playoff · bye 10.3%
UnlikelyACC
35.3%
playoff · bye 9.5%

Green rows mark the eleven most likely qualifiers from this pool; the line under row eleven is the cut.

The Group of 5 bid

Pac-12 · favourite
27.9%
playoff · title 1%
27.8%
playoff · title 0.8%
Mountain West
20.1%
playoff · title 0.2%
16.6%
playoff · title 0.3%
American
11.8%
playoff · title 0.2%
7.7%
playoff · title 0.1%

The guaranteed spot goes to the highest-ranked of these leagues' champions - the green row is the current favourite to claim it.

The conference title games10 pairings

The likeliest title-game pairing per league, each team's odds of reaching it, and the favourite to win outright.

SEC
Favourite: Alabama 17%
Big Ten
Favourite: Ohio State 23.1%
Big 12
#11BYU34.9%
Favourite: Texas Tech 24.7%
ACC
#16SMU44.1%
Favourite: Miami FL 38.1%
American
Favourite: South Florida 21.7%
Conference USA
Liberty26.9%
Favourite: Jacksonville State 18.8%
MAC
Toledo47.2%
Favourite: Toledo 29.2%
Mountain West
UNLV40.3%
Favourite: North Dakota State 47.6%
Pac-12
Favourite: Boise State 49.6%
Sun Belt
Favourite: James Madison 37.3%
The week's Top 25 games, called23 games

Every game involving an AP Top 25 team (Week 3 poll), win probability for the home side.

How this is measured
The pick blends the model and the posted line 50/50. Books is the consensus of every posted price we can read — DraftKings, FanDuel and Kalshi — de-vigged by the power method and averaged in log-odds. Three books, not the four the NFL board carries: Polymarket lists college futures and awards but no game markets. It is not in the pick: the pick still blends the model with the single posted line, so the record stays comparable with every call made before the consensus existed. A price we had to translate from a spread is carried on the Ledger but never votes here.Each week's slate is published after the AP poll drops, frozen on first sight, and graded against the final score below.
#7 Miami
at Wake Forest
Fri, Sep 18
Model 23%
Books 8% (1)
Miami
Florida State
at #12 Alabama
Sat, Sep 19
Model 79%
Books 88% (2)
Alabama
#2 Georgia
at Arkansas
Sat, Sep 19
Model 24%
Books 10% (1)
Georgia
#15 BYU
at Colorado State
Sat, Sep 19
Model 19%
Books 12% (1)
BYU
Western Kentucky
at #5 Indiana
Sat, Sep 19
Model 95%
Books 98% (1)
Indiana
Northern Iowa
at #21 Iowa
Sat, Sep 19
Model 99%
Books 97% (1)
Iowa
#17 SMU
at #24 Louisville
Sat, Sep 19
Model 53%
Books 54% (2)
Louisville
UTEP
at #19 Michigan
Sat, Sep 19
Model 93%
Books 100% (1)
Michigan
Troy
at #23 Missouri
Sat, Sep 19
Model 83%
Books 93% (1)
Missouri
Michigan State
at #3 Notre Dame
Sat, Sep 19
Model 91%
Books 98% (2)
Notre Dame
Kent State
at #1 Ohio State
Sat, Sep 19
Model 99%
Books 100% (1)
Ohio State
New Mexico
at #11 Oklahoma
Sat, Sep 19
Model 84%
Books 92% (1)
Oklahoma
Show all 23 games
#8 LSU
at #9 Ole Miss
Sat, Sep 19
Model 57%
Books 44% (2)
Ole Miss
Portland State
at #6 Oregon
Sat, Sep 19
Model 99%
Books 100% (1)
Oregon
Buffalo
at #16 Penn State
Sat, Sep 19
Model 94%
Books 99% (1)
Penn State
#14 USC
at Rutgers
Sat, Sep 19
Model 21%
Books 8% (1)
USC
Kennesaw State
at #18 Tennessee
Sat, Sep 19
Model 87%
Books 95% (1)
Tennessee
Kentucky
at #10 Texas A&M
Sat, Sep 19
Model 79%
Books 88% (1)
Texas A&M
#22 Houston
at #13 Texas Tech
Sat, Sep 19
Model 76%
Books 83% (2)
Texas Tech
Utah State
at #20 Utah
Sat, Sep 19
Model 91%
Books 92% (1)
Utah
West Virginia
vs #25 Virginianeutral
Sat, Sep 19
Model 69%
Books 75% (2)
Virginia
Eastern Washington
at #19 Washington
Sat, Sep 19
Model 99%
Books 98% (1)
Washington
UTSA
at #1 Texas
Sun, Sep 20
Model 85%
Books 99% (2)
Texas
Games that matter this week23 games

Points of playoff probability each team stands to swing by winning versus losing, most consequential first.

LSU
at Ole Miss
Sat, Sep 19
Home swing 24.1%
Away swing 25.5%
Ole Miss
SMU
at Louisville
Sat, Sep 19
Home swing 19.9%
Away swing 27.2%
Louisville
UTSA
at Texas
Sun, Sep 20
Home swing 24%
Away swing 10.2%
Texas
Houston
at Texas Tech
Sat, Sep 19
Home swing 26.3%
Away swing 4.1%
Texas Tech
Florida State
at Alabama
Sat, Sep 19
Home swing 25.4%
Away swing 3.3%
Alabama
Georgia
at Arkansas
Sat, Sep 19
Home swing 0%
Away swing 27%
Georgia
Kent State
at Ohio State
Sat, Sep 19
Home swing 26.5%
Away swing 0%
Ohio State
Buffalo
at Penn State
Sat, Sep 19
Home swing 26.1%
Away swing 0%
Penn State
Miami
at Wake Forest
Fri, Sep 18
Home swing 3.1%
Away swing 22.2%
Miami
Kentucky
at Texas A&M
Sat, Sep 19
Home swing 25.1%
Away swing 0%
Texas A&M
Western Kentucky
at Indiana
Sat, Sep 19
Home swing 23.2%
Away swing 0%
Indiana
USC
at Rutgers
Sat, Sep 19
Home swing 0%
Away swing 21.3%
USC
Show all 23 games
Utah State
at Utah
Sat, Sep 19
Home swing 18%
Away swing 0%
Utah
Michigan State
at Notre Dame
Sat, Sep 19
Home swing 15.1%
Away swing 0.7%
Notre Dame
Portland State
at Oregon
Sat, Sep 19
Home swing 14.9%
Away swing 0%
Oregon
Northern Iowa
at Iowa
Sat, Sep 19
Home swing 14.5%
Away swing 0%
Iowa
Kennesaw State
at Tennessee
Sat, Sep 19
Home swing 13.9%
Away swing 0%
Tennessee
BYU
at Colorado State
Sat, Sep 19
Home swing 0.1%
Away swing 12.9%
BYU
Eastern Washington
at Washington
Sat, Sep 19
Home swing 11.7%
Away swing 0%
Washington
Troy
at Missouri
Sat, Sep 19
Home swing 8.5%
Away swing 0.4%
Missouri
UTEP
at Michigan
Sat, Sep 19
Home swing 8.2%
Away swing 0%
Michigan
New Mexico
at Oklahoma
Sat, Sep 19
Home swing 5.2%
Away swing 2.9%
Oklahoma
West Virginia
vs Virginia
Sat, Sep 19
Home swing 7%
Away swing 0.3%
Virginia
Bubble watch8 teams

Teams most often on the last at-large line: the twelfth team in, or the first team out.

Unlikely
9.7%
bubble · playoff 27.9%
9.5%
bubble · playoff 20.1%
7%
bubble · playoff 27.8%
6.2%
bubble · playoff 54.8%
5.9%
bubble · playoff 36.7%
5.9%
bubble · playoff 44.5%
Toss-up
5.8%
bubble · playoff 58%
Unlikely
5.8%
bubble · playoff 33.5%
How the model is doing10 games
Picks
47/49
Top 25 game calls correct
Model Brier
0.1251
lower is better; 0.5 = coin flip
Market Brier
0.097
the benchmark to beat (49 priced)

Against the closing line: 3 of 22. Each pick is frozen the day it is made, days before kickoff. The market keeps moving after that, and the price at kickoff is the best-informed number anyone has. This counts the games where the call we froze early still scored better than that final price (closing Brier 0.1422). Games picked and played between two runs never got a later read and are left out, which is why the count is its own.

Arkansas
at Utah
Pick: Utah · Brier 0.106
Utah 43-10
Louisiana
at USC
Pick: USC · Brier 0.037
USC 49-30
Utah State
at Washington
Pick: Washington · Brier 0.016
Washington 16-14
Arizona State
at Texas A&M
Pick: Texas A&M · Brier 0.104
Texas A&M 48-20
Ohio State
at Texas
Pick: Texas · Brier 0.490
Texas 24-23
Penn State
at Temple
Pick: Penn State · Brier 0.033
Penn State 9-27
UC Davis
at SMU
Pick: SMU · Brier 0.000
SMU 56-10
Texas Tech
at Oregon State
Pick: Texas Tech · Brier 0.049
Texas Tech 24-35
Charlotte
at Ole Miss
Pick: Ole Miss · Brier 0.001
Ole Miss 41-9
Oregon
at Oklahoma State
Pick: Oregon · Brier 1.668
Oklahoma State 39-31
Every team, every outcome11 conferences

Expected regular-season wins and the odds of each landing spot, conference by conference.

SEC
55%
xW 8.7 (7.0-11.0)
Toss-up
54.4%
xW 8.7 (7.0-11.0)
Toss-up
58%
xW 8.6 (7.0-10.0)
46.1%
xW 8.4 (6.0-10.0)
Toss-up
42.5%
xW 8.4 (6.0-10.0)
36.7%
xW 8.3 (6.0-10.0)
21.2%
xW 8.0 (6.0-10.0)
12%
xW 7.6 (6.0-10.0)
7.1%
xW 6.4 (4.0-9.0)
3.8%
xW 6.8 (5.0-9.0)
3.4%
xW 6.7 (5.0-9.0)
3.6%
xW 7.0 (5.0-9.0)
Show all 16 teams
1.2%
xW 6.3 (4.0-8.0)
0.7%
xW 6.3 (4.0-8.0)
0%
xW 3.8 (2.0-6.0)
<0.1%
xW 4.2 (2.0-6.0)
Big Ten
71%
xW 8.3 (7.0-10.0)
77.3%
xW 9.5 (8.0-11.0)
54.8%
xW 9.4 (8.0-11.0)
Unlikely
23.9%
xW 7.7 (6.0-9.0)
Unlikely
33.5%
xW 8.4 (6.0-10.0)
Unlikely
22%
xW 8.5 (7.0-10.0)
12.8%
xW 7.9 (6.0-10.0)
6.8%
xW 7.6 (6.0-10.0)
8%
xW 7.2 (5.0-9.0)
3.1%
xW 6.4 (4.0-9.0)
Out
1%
xW 7.2 (5.0-9.0)
1.2%
xW 6.6 (5.0-9.0)
Show all 18 teams
0.5%
xW 5.9 (4.0-8.0)
0.2%
xW 5.4 (3.0-8.0)
0.1%
xW 4.9 (3.0-7.0)
<0.1%
xW 5.1 (3.0-7.0)
<0.1%
xW 3.4 (2.0-5.0)
0%
xW 3.5 (2.0-5.0)
Big 12
44.5%
xW 9.4 (7.0-11.0)
Unlikely
38.6%
xW 8.9 (7.0-11.0)
Unlikely
25.5%
xW 8.3 (6.0-10.0)
12.9%
xW 8.1 (6.0-10.0)
4.7%
xW 6.8 (5.0-9.0)
Out
1.7%
xW 6.1 (4.0-8.0)
1.8%
xW 7.0 (5.0-9.0)
1.2%
xW 5.9 (4.0-8.0)
0.6%
xW 5.9 (4.0-8.0)
0.8%
xW 6.4 (4.0-9.0)
0.7%
xW 5.9 (4.0-8.0)
0.5%
xW 5.6 (4.0-8.0)
Show all 16 teams
0.9%
xW 6.4 (4.0-9.0)
1%
xW 6.2 (4.0-8.0)
0.3%
xW 5.9 (4.0-8.0)
<0.1%
xW 5.0 (3.0-7.0)
ACC
74.1%
xW 9.6 (8.0-11.0)
Unlikely
35.3%
xW 8.9 (7.0-11.0)
18.3%
xW 7.7 (6.0-10.0)
10.1%
xW 8.3 (6.0-10.0)
Out
10.6%
xW 8.2 (6.0-10.0)
7.3%
xW 8.1 (6.0-10.0)
1.8%
xW 7.0 (5.0-9.0)
2.3%
xW 6.7 (5.0-9.0)
1.2%
xW 6.7 (5.0-9.0)
0.2%
xW 4.8 (3.0-7.0)
0.2%
xW 6.1 (4.0-8.0)
1.4%
xW 5.8 (4.0-8.0)
Show all 17 teams
<0.1%
xW 5.3 (3.0-7.0)
0.1%
xW 5.7 (4.0-8.0)
0%
xW 4.4 (3.0-6.0)
<0.1%
xW 4.2 (2.0-6.0)
0%
xW 4.1 (2.0-6.0)
American
16.6%
xW 9.2 (7.0-11.0)
11.8%
xW 8.1 (6.0-10.0)
7.2%
xW 8.2 (6.0-10.0)
7.7%
xW 7.7 (5.0-10.0)
5.6%
xW 6.9 (5.0-9.0)
0.2%
xW 5.9 (4.0-8.0)
Out
1.3%
xW 7.0 (5.0-9.0)
Out
0.7%
xW 6.4 (4.0-8.0)
0.3%
xW 6.7 (5.0-9.0)
<0.1%
xW 5.1 (3.0-7.0)
0%
xW 5.0 (3.0-7.0)
Out
<0.1%
xW 4.5 (3.0-7.0)
Show all 14 teams
Out
0%
xW 4.6 (3.0-7.0)
0%
xW 2.0 (0.0-4.0)
Conference USA
0.1%
xW 6.4 (4.0-8.0)
0.3%
xW 6.6 (4.0-9.0)
0.1%
xW 6.0 (4.0-8.0)
<0.1%
xW 6.1 (4.0-8.0)
0.1%
xW 6.5 (4.0-9.0)
0.4%
xW 4.9 (2.0-8.0)
<0.1%
xW 4.7 (3.0-7.0)
0%
xW 5.4 (3.0-7.0)
0.2%
xW 4.0 (1.0-7.0)
<0.1%
xW 5.1 (3.0-7.0)
MAC
7.7%
xW 8.2 (6.0-10.0)
3.7%
xW 7.8 (6.0-10.0)
0.3%
xW 7.0 (5.0-9.0)
Out
0.4%
xW 7.3 (5.0-9.0)
<0.1%
xW 6.0 (4.0-8.0)
<0.1%
xW 4.8 (3.0-7.0)
<0.1%
xW 5.3 (3.0-7.0)
0.1%
xW 6.1 (4.0-9.0)
0.1%
xW 4.6 (2.0-7.0)
<0.1%
xW 5.1 (3.0-7.0)
0%
xW 5.3 (3.0-7.0)
0%
xW 3.6 (2.0-6.0)
Show all 13 teams
0%
xW 3.6 (2.0-5.0)
Mountain West
20.1%
xW 9.5 (8.0-11.0)
Out
0.6%
xW 6.5 (5.0-8.0)
1.9%
xW 7.7 (6.0-10.0)
0.1%
xW 6.5 (4.0-9.0)
<0.1%
xW 6.7 (5.0-9.0)
0.1%
xW 4.7 (2.0-7.0)
<0.1%
xW 5.2 (3.0-7.0)
0.1%
xW 4.9 (3.0-7.0)
0%
xW 3.5 (1.0-6.0)
Out
0%
xW 4.6 (3.0-7.0)
Pac-12
Unlikely
27.9%
xW 7.7 (6.0-9.0)
0.4%
xW 6.0 (4.0-8.0)
1%
xW 7.0 (5.0-9.0)
0.1%
xW 5.0 (3.0-7.0)
0.1%
xW 5.1 (3.0-7.0)
0.1%
xW 6.3 (4.0-8.0)
0%
xW 4.2 (2.0-6.0)
<0.1%
xW 4.1 (2.0-6.0)
Sun Belt
27.8%
xW 9.1 (7.0-11.0)
0.7%
xW 6.7 (5.0-9.0)
0.4%
xW 7.1 (5.0-9.0)
0.3%
xW 6.5 (4.0-9.0)
0.1%
xW 5.8 (4.0-8.0)
0.4%
xW 7.2 (5.0-9.0)
0.1%
xW 5.6 (4.0-8.0)
Out
0.1%
xW 6.6 (5.0-9.0)
0.1%
xW 6.2 (4.0-8.0)
<0.1%
xW 5.9 (4.0-8.0)
<0.1%
xW 5.7 (4.0-8.0)
0.4%
xW 3.8 (1.0-7.0)
Show all 14 teams
0.1%
xW 6.3 (4.0-8.0)
<0.1%
xW 4.6 (2.0-7.0)
Independents
91.6%
xW 10.2 (9.0-12.0)
0%
xW 6.1 (4.0-8.0)

Get the data: season table as CSV · raw JSON on GitHub

Citizen of Nowhere Picks

Call every game of the week blind, rank your confidence, and take a side on the Upset Radar - the games where this model and the betting market disagree most. The model plays its own card, graded by the same rules.

Play Citizen of Nowhere Picks

Where these numbers come from

Ratings start from three seasons of opponent-adjusted FBS scoring margin (2025, 2024, 2023), anchored to the national-championship futures market and the AP poll, then replayed forward against the real remaining 2026 schedule. Last generated 2026-09-16, after 180 games played. Weekly picks cover AP Top 25 games, blend the model 50/50 with the posted line, and are graded against final scores above; the Brier scores on this page use that same graded record.

How the model works

Each team's rating starts from its opponent-adjusted scoring margin over the last three seasons (2025, 2024, 2023), margins capped, home advantage removed and FCS opponents pooled, then regressed toward the mean (×0.88). On top of the stats sit two anchors, each mapped onto the points scale through the model's own rating-to-title-odds curve: the national-championship futures market (weight 0.35) and the AP poll's vote shares (weight 0.25) - college rosters churn through the portal, so the poll and the market carry roster news that three seasons of margins cannot see. Both anchors fade as real 2026 results fold in. Every remaining game on the actual schedule is simulated as a point-spread probability (home advantage 2.6 points, margin sd 16), each simulated season drawing every team's rating from a distribution (σ 3.5points). Conference standings, all ten title games and the twelve-team playoff play out inside every simulation under the 2026 format: five highest-ranked champions in, seven at-large, straight seeding, byes to the top four. Two stated approximations: conference tie-breaks are record then head-to-head, not each league's full ladder; and the selection committee is modeled as rating plus record - a proxy, because the committee is not a formula. Weekly picks cover AP Top 25 games only, blend the model with the posted line 50/50, and are graded above.

Three tiers of this model run side by side: a stats-only "lite" rating, a "classic" build that adds the title market, and the full "deluxe" build that also folds in the AP poll - deluxe is the production tier shown by default above. Uncertainty shrinks as the season does - the spread of outcomes each simulated season draws from narrows week by week as fewer games remain, and widens back out for a team the stats and the market disagree about most. Each simulated season also draws one correlated error for the whole sport, one for each conference, and one for each team, rather than treating every game as its own coin flip - real seasons run hot or cold together, not independently. Every tier reuses the same random draws for the same simulated season, so a change from one build to the next reflects an actual change in the inputs rather than noise in which season got drawn.