Pick 3
Latest draw · Wednesday, July 8, 2026 · Midday
Pick 3 Tax Calculator
See what you'd really take home from a Pick 3 prize after federal and Illinois state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $1,000,000
- Federal tax
- − $328,188
- State tax (Illinois · 4.95%)
- − $49,500
- Net take-home
- $622,312
Estimate only — uses single-filer federal brackets and Illinois's top lottery-withholding rate. Actual tax depends on your total income, filing status and deductions. Not tax advice.
Pick 3 tax FAQ
How much tax do you pay on a Pick 3 jackpot in Illinois?
On a $1,000,000 Pick 3 jackpot taken as a lump sum, you'd pay about $328,188 in federal tax and $49,500 in Illinois state tax, leaving roughly $622,312.
Does Illinois tax Pick 3 lottery winnings?
Yes — Illinois withholds about 4.95% in state tax on Pick 3 winnings, on top of federal tax.
Should I take the Pick 3 lump sum or annuity?
The lump sum pays a smaller, discounted amount now with full control; the 30-year annuity pays the full advertised jackpot spread over time and can keep you in lower yearly tax brackets. The best choice depends on your goals and tax situation.
