Lotto
Latest draw · Wednesday, October 7, 2026
Lotto Tax Calculator
See what you'd really take home from a Lotto prize after federal and Washington state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $3,000,000
- Federal tax
- − $1,068,188
- State tax (Washington · 0%)
- − $0
- Net take-home
- $1,931,812
🎉 Washington doesn't tax lottery winnings — you only pay federal tax on your Lotto prize.
Estimate only — uses single-filer federal brackets and Washington'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 $3,000,000 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 | $1,931,812 | 36% |
| Californiano state tax | $1,931,812 | 36% |
| Floridano state tax | $1,931,812 | 36% |
| New Hampshireno state tax | $1,931,812 | 36% |
| South Dakotano state tax | $1,931,812 | 36% |
| Tennesseeno state tax | $1,931,812 | 36% |
| Texasno state tax | $1,931,812 | 36% |
| Washingtonno state tax(this game) | $1,931,812 | 36% |
| Wyomingno state tax | $1,931,812 | 36% |
| Arizona | $1,856,812 | 38% |
| North Dakota | $1,856,812 | 38% |
| Pennsylvania | $1,839,712 | 39% |
| Indiana | $1,837,312 | 39% |
| Ohio | $1,826,812 | 39% |
| Kentucky | $1,811,812 | 40% |
| Louisiana | $1,804,312 | 40% |
| Michigan | $1,804,312 | 40% |
| Arkansas | $1,799,812 | 40% |
| Colorado | $1,799,812 | 40% |
| North Carolina | $1,796,812 | 40% |
| Utah | $1,792,312 | 40% |
| Oklahoma | $1,789,312 | 40% |
| Missouri | $1,787,812 | 40% |
| Illinois | $1,783,312 | 41% |
| Alabama | $1,781,812 | 41% |
| Massachusetts | $1,781,812 | 41% |
| Mississippi | $1,781,812 | 41% |
| West Virginia | $1,778,212 | 41% |
| Georgia | $1,767,112 | 41% |
| Kansas | $1,760,812 | 41% |
| Maryland | $1,759,312 | 41% |
| Virginia | $1,759,312 | 41% |
| Idaho | $1,757,812 | 41% |
| Nebraska | $1,756,612 | 41% |
| Montana | $1,754,812 | 42% |
| New Mexico | $1,754,812 | 42% |
| Rhode Island | $1,752,112 | 42% |
| Iowa | $1,751,812 | 42% |
| South Carolina | $1,739,812 | 42% |
| Delaware | $1,733,812 | 42% |
| Connecticut | $1,722,112 | 43% |
| Maine | $1,717,312 | 43% |
| Wisconsin | $1,702,312 | 43% |
| Vermont | $1,669,312 | 44% |
| Minnesota | $1,636,312 | 45% |
| Oregon | $1,634,812 | 46% |
| District of Columbia | $1,609,312 | 46% |
| New Jersey | $1,609,312 | 46% |
| New York | $1,604,812 | 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 Washington?
On a $3,000,000 Lotto jackpot taken as a lump sum, you'd pay about $1,068,188 in federal tax and no Washington state tax, leaving roughly $1,931,812.
Does Washington tax Lotto lottery winnings?
No — Washington does not tax lottery winnings, so you only pay federal tax on a Lotto prize.
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.