Lotto
Latest draw · Saturday, October 10, 2026 · evening
Lotto Tax Calculator
See what you'd really take home from a Lotto prize after federal and New York state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $8,900,000
- Federal tax
- − $3,251,188
- State tax (New York · 10.9%)
- − $970,100
- Net take-home
- $4,678,712
Estimate only — uses single-filer federal brackets and New York's top lottery-withholding rate. Actual tax depends on your total income, filing status and deductions. Not tax advice.
Lotto take-home by state
What you'd keep from a $8,900,000 Lotto prize (lump sum) after federal + state tax, ranked best to worst. Change the amount or payout above to update.
| State | Take-home | Effective tax |
|---|---|---|
| Alaskano state tax | $5,648,812 | 37% |
| Californiano state tax | $5,648,812 | 37% |
| Floridano state tax | $5,648,812 | 37% |
| New Hampshireno state tax | $5,648,812 | 37% |
| South Dakotano state tax | $5,648,812 | 37% |
| Tennesseeno state tax | $5,648,812 | 37% |
| Texasno state tax | $5,648,812 | 37% |
| Washingtonno state tax | $5,648,812 | 37% |
| Wyomingno state tax | $5,648,812 | 37% |
| Arizona | $5,426,312 | 39% |
| North Dakota | $5,426,312 | 39% |
| Pennsylvania | $5,375,582 | 40% |
| Indiana | $5,368,462 | 40% |
| Ohio | $5,337,312 | 40% |
| Kentucky | $5,292,812 | 41% |
| Louisiana | $5,270,562 | 41% |
| Michigan | $5,270,562 | 41% |
| Arkansas | $5,257,212 | 41% |
| Colorado | $5,257,212 | 41% |
| North Carolina | $5,248,312 | 41% |
| Utah | $5,234,962 | 41% |
| Oklahoma | $5,226,062 | 41% |
| Missouri | $5,221,612 | 41% |
| Illinois | $5,208,262 | 41% |
| Alabama | $5,203,812 | 42% |
| Massachusetts | $5,203,812 | 42% |
| Mississippi | $5,203,812 | 42% |
| West Virginia | $5,193,132 | 42% |
| Georgia | $5,160,202 | 42% |
| Kansas | $5,141,512 | 42% |
| Maryland | $5,137,062 | 42% |
| Virginia | $5,137,062 | 42% |
| Idaho | $5,132,612 | 42% |
| Nebraska | $5,129,052 | 42% |
| Montana | $5,123,712 | 42% |
| New Mexico | $5,123,712 | 42% |
| Rhode Island | $5,115,702 | 43% |
| Iowa | $5,114,812 | 43% |
| South Carolina | $5,079,212 | 43% |
| Delaware | $5,061,412 | 43% |
| Connecticut | $5,026,702 | 44% |
| Maine | $5,012,462 | 44% |
| Wisconsin | $4,967,962 | 44% |
| Vermont | $4,870,062 | 45% |
| Minnesota | $4,772,162 | 46% |
| Oregon | $4,767,712 | 46% |
| District of Columbia | $4,692,062 | 47% |
| New Jersey | $4,692,062 | 47% |
| New York(this game) | $4,678,712 | 47% |
Assumes you claim as a resident of that state. Estimate only, single-filer brackets. Not tax advice.
Lotto tax FAQ
How much tax do you pay on a Lotto jackpot in New York?
On a $8,900,000 Lotto jackpot taken as a lump sum, you'd pay about $3,251,188 in federal tax and $970,100 in New York state tax, leaving roughly $4,678,712.
Does New York tax Lotto lottery winnings?
Yes — New York withholds about 10.9% in state tax on Lotto winnings, on top of federal tax.
Should I take the Lotto 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.
