diff --git a/Blackjack/Blackjack/Engine/GameState.swift b/Blackjack/Blackjack/Engine/GameState.swift
index 889e3d3..031683c 100644
--- a/Blackjack/Blackjack/Engine/GameState.swift
+++ b/Blackjack/Blackjack/Engine/GameState.swift
@@ -224,9 +224,10 @@ final class GameState {
         return engine.canSurrender(hand: hand)
     }
     
-    /// Whether the game is over (out of money and no active bet).
+    /// Whether the game is over (can't afford to meet minimum bet).
+    /// True when in betting phase and total available chips (balance + current bet) is less than minimum bet.
     var isGameOver: Bool {
-        balance < settings.minBet && currentPhase == .betting && currentBet == 0
+        currentPhase == .betting && (balance + currentBet) < settings.minBet
     }
     
     /// Total rounds played.