luckadjusted
CFB Week 4 · 2026

Week 1 2026 · September 3, 2026

Massachusetts at Rutgers, Week 1 2026: who deserved to win?

Massachusetts beat Rutgers 37–21, and the replays lean its way: with the same day's form, it wins 7 of 10.

An off day for Rutgers: its offense played far below its usual level. In a fresh game against Massachusetts it would win 91% of the time; with this day’s form, 26%. The numbers

Before kickoff Rutgers was a 97% favorite. The biggest swing (Q3, 15:00 left): Massachusetts was stopped on 3rd & 15, worth 16 points of win probability to Massachusetts.

Final

Massachusetts Minutemen 37
Rutgers Scarlet Knights 21

September 3, 2026 · SHI Stadium · Closing line: Rutgers −29.5

Luck index +26 Massachusetts lucky · −26 Rutgers

Each team’s own plays from this game, resampled into new drives 4,000 times: with the way both teams actually played, how often does this performance win? How the replay works

Ten replays. Massachusetts wins 7, Rutgers wins 3.

  1. 1 MASS 33 RUTG 0
  2. 2 MASS 24 RUTG 0
  3. 3 MASS 21 RUTG 3
  4. 4 MASS 28 RUTG 14
  5. 5 MASS 24 RUTG 14
  6. 6 MASS 31 RUTG 24
  7. 7 MASS 20 RUTG 17
  8. 8 MASS 21 RUTG 24
  9. 9 MASS 10 RUTG 17
  10. 10 MASS 10 RUTG 24

Three other ways to ask

Each answers a different question, so none of them replaces the replay above.

The closing betting line, turned into a probability. What everyone knew before the game.

The line plus what this game showed, weighted by how much one game can tell. It stays close to the line because one game says little.

Every kick, fumble bounce, conversion and judgment call redrawn; everything else fixed. The narrowest view of luck.

An off day for Rutgers

Its offense played far below its usual level. In a fresh game against Massachusetts it would win 91% of the time; with this day’s form, 26%.

65 points apart for Rutgers: the gap is how differently this game went from what the two teams usually are.

UnitThis gameUsual levelBetter or worse than usual
Massachusetts offenseEPA per play gained +0.22 +0.01 better by 0.21
Massachusetts defenseEPA per play allowed −0.04 +0.11 better by 0.15
Rutgers offenseEPA per play gained −0.04 +0.12 worse by 0.16
Rutgers defenseEPA per play allowed +0.22 +0.16 worse by 0.06

EPA (expected points added) per play on competitive snaps, turnovers left out because they are valued as luck. Usual level: the team’s earlier games this season plus half of last season, pulled toward the league average. One team’s defense and the other team’s offense are the same snaps, so one game can’t fully say whose day it was; it shows how far this one was from both teams’ norms.

How 4,000 replays ended

Massachusetts wins 74% of them, Rutgers 26%, counting the 5% still level after regulation as half each. The line is what actually happened: Massachusetts by 16.

Show as a table
Final margin in the replaysShare of replays
Massachusetts by 17+32.5%
Massachusetts by 9–1619.7%
Massachusetts by 1–819.1%
Level after regulation4.7%
Rutgers by 1–812.4%
Rutgers by 9–166.9%
Rutgers by 17+4.7%

Where the luck was

What the luck was worth

Every lucky and unlucky play, weighted by the moment it happened: its swing in win probability, added up by kind. A missed kick in a decided game counts for nothing; the same kick at the end of a tie game can be most of a win.

Swings add up across a game, so in one that went back and forth they can pass 100%. On the scoreboard the same luck was worth +4.7 points to Massachusetts: the final margin was Massachusetts by 16, without the luck Massachusetts by 11.3. Luck shares are the fitted ones (how much of each kind is luck).

The kicks

How likely each kicker was to make that kick (his own record, the distance), and what happened.

  • D. Morris, 30 yds made · 86% expected
  • D. Morris, 52 yds made · 50% expected
  • D. Morris, 31 yds made · 85% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Massachusetts 9 for 65 yards, Rutgers 7 for 43 yards

Every accepted flag, in order, and what it did to the helped team’s chance of winning at that moment, including any play it wiped out (points on the scoreboard in grey). A flag in a decided game is worth nothing; one at the turn of a close game can be worth most of a win. Judgment calls count toward luck, pre-snap fouls mostly don’t. How calls are valued

WhenFlagWin probability for
Q1 4:21 Delay of Game on Rutgers, 5 yards · pre-snap 0% MASS +0.3 pts
Q2 11:50 Illegal Substitution on Rutgers, 2 yards · pre-snap +1% MASS +0.6 pts
Q2 10:30 Pass Interference on Massachusetts, 12 yards, wiping out the play +7% RUTG +5.1 pts
Q2 9:01 Intentional Grounding on Rutgers, 9 yards +1% MASS +0.6 pts
Q2 2:26 Penalty on Massachusetts, 8 yards +3% MASS +1.1 pts
Q2 2:00 False Start on Rutgers, 5 yards · pre-snap 0% MASS +0.6 pts
Q2 1:12 Delay of Game on Rutgers, 5 yards · pre-snap +1% MASS +0.2 pts
Q2 0:38 Illegal Touching on Massachusetts, 0 yards +1% RUTG +0.5 pts
Q3 15:00 Holding on Massachusetts, 10 yards +6% RUTG +2.0 pts
Q3 15:00 Illegal Snap on Massachusetts, 5 yards · pre-snap +7% RUTG +2.4 pts
Q3 15:00 False Start on Massachusetts, 5 yards · pre-snap +4% MASS +1.5 pts
Q3 1:28 Holding on Rutgers, 10 yards +2% MASS +0.6 pts
Q4 11:32 False Start on Massachusetts, 5 yards · pre-snap 0% MASS +0.4 pts
Q4 10:56 Illegal Shift on Massachusetts, 5 yards, wiping out the play · pre-snap +1% RUTG +2.4 pts
Q4 10:17 Face Mask on Massachusetts, 15 yards 0% RUTG +1.6 pts
Q4 4:43 Unnecessary Roughness on Rutgers, 7 yards 0% MASS +0.4 pts

When it happened

Rutgers’s chance of winning

As low as 0% and as high as 99%. Numbers mark the biggest luck moments, listed below.

Our in-game win probability: the score, the value of the possession and the time left, starting from the betting line. Overtime has no clock and is drawn at a fixed width. Shaded above the middle while Rutgers was ahead in it, below while Massachusetts was.
#WhenWhat happenedWin probability forNext drive
1 Q2 10:30 Pass Interference on Massachusetts, 12 yards, wiping out the playJudgment calls +7% RUTG RUTG: Turnover
2 Q2 10:16 Rutgers fumbled and Massachusetts recoveredFumble bounces · loose balls are close to 50/50 +3% MASS RUTG: Punt
3 Q2 4:18 Massachusetts was stopped on 3rd & 13rd & 4th downs · 77% expected +4% RUTG MASS: Field goal
4 Q2 2:26 Penalty on Massachusetts, 8 yardsJudgment calls +3% MASS RUTG: Punt
5 Q3 15:00 Massachusetts converted 3rd & 133rd & 4th downs · 24% expectedMassachusetts was stopped on 3rd & 153rd & 4th downs · 21% expectedMassachusetts fumbled and recovered itFumble bounces · loose balls are close to 50/50Holding on Massachusetts, 10 yardsJudgment callsIllegal Snap on Massachusetts, 5 yardsPre-snap flagsFalse Start on Massachusetts, 5 yardsPre-snap flags +16% MASS MASS: Field goal
6 Q3 8:22 D. Morris made a 52-yard field goalKicks · 50% expected for him, 3 of 8 from 45+ before +10% MASS MASS: Punt
7 Q3 5:10 Rutgers converted 4th & 13rd & 4th downs · 75% expected +4% RUTG RUTG: Turnover on downs
8 Q3 3:35 Rutgers was stopped on 4th & 13rd & 4th downs · 75% expected +10% MASS RUTG: Turnover

Adjust the assumptions

Disagree with how much of a fumble bounce or a pass interference call is luck? Change it and the coin-flip replay reruns in your browser.

Only coin-flips re-rolled

Massachusetts 95% · Rutgers 5%

Final margin
Massachusetts by 16
Luck in points
4.7 for Massachusetts
Luck-adjusted margin
Massachusetts by 11.3
Replay with same day's form
Massachusetts 74% · Rutgers 26% unchanged: why
How much of each is luck?

0% treats it as skill, 100% as pure luck. The tick is our fit.

What counts

None by default: our tests measured no carryover after a lucky break. Slide it up to count a break for more than its own swing. Why

Flip a play

Force the other outcome, in this game and in every replay: a made kick becomes a miss, a stop becomes a conversion, a flag goes the other way.

About these numbers

Play-by-play and expected points from CollegeFootballData.com via cfbfastR; win probability from our own model of the score, the possession and the betting line; kicks valued against each kicker’s own record. College play-by-play has no charting of drops or interception-worthy throws and no injury reports, so those kinds of luck aren’t counted here.

Methodology and validation · All Week 1 2026 games · Massachusetts · Rutgers

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