Lotto Plus
Latest draw · Saturday, October 3, 2026
Lotto Plus Tax Calculator
See what you'd really take home from a Lotto Plus prize after federal and Colorado state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $1,100,000
- Federal tax
- − $365,188
- State tax (Colorado · 4.4%)
- − $48,400
- Net take-home
- $686,412
Estimate only — uses single-filer federal brackets and Colorado's top lottery-withholding rate. Actual tax depends on your total income, filing status and deductions. Not tax advice.
Lotto Plus take-home by state
What you'd keep from a $1,100,000 Lotto Plus 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 | $734,812 | 33% |
| Californiano state tax | $734,812 | 33% |
| Floridano state tax | $734,812 | 33% |
| New Hampshireno state tax | $734,812 | 33% |
| South Dakotano state tax | $734,812 | 33% |
| Tennesseeno state tax | $734,812 | 33% |
| Texasno state tax | $734,812 | 33% |
| Washingtonno state tax | $734,812 | 33% |
| Wyomingno state tax | $734,812 | 33% |
| Arizona | $707,312 | 36% |
| North Dakota | $707,312 | 36% |
| Pennsylvania | $701,042 | 36% |
| Indiana | $700,162 | 36% |
| Ohio | $696,312 | 37% |
| Kentucky | $690,812 | 37% |
| Louisiana | $688,062 | 37% |
| Michigan | $688,062 | 37% |
| Arkansas | $686,412 | 38% |
| Colorado(this game) | $686,412 | 38% |
| North Carolina | $685,312 | 38% |
| Utah | $683,662 | 38% |
| Oklahoma | $682,562 | 38% |
| Missouri | $682,012 | 38% |
| Illinois | $680,362 | 38% |
| Alabama | $679,812 | 38% |
| Massachusetts | $679,812 | 38% |
| Mississippi | $679,812 | 38% |
| West Virginia | $678,492 | 38% |
| Georgia | $674,422 | 39% |
| Kansas | $672,112 | 39% |
| Maryland | $671,562 | 39% |
| Virginia | $671,562 | 39% |
| Idaho | $671,012 | 39% |
| Nebraska | $670,572 | 39% |
| Montana | $669,912 | 39% |
| New Mexico | $669,912 | 39% |
| Rhode Island | $668,922 | 39% |
| Iowa | $668,812 | 39% |
| South Carolina | $664,412 | 40% |
| Delaware | $662,212 | 40% |
| Connecticut | $657,922 | 40% |
| Maine | $656,162 | 40% |
| Wisconsin | $650,662 | 41% |
| Vermont | $638,562 | 42% |
| Minnesota | $626,462 | 43% |
| Oregon | $625,912 | 43% |
| District of Columbia | $616,562 | 44% |
| New Jersey | $616,562 | 44% |
| New York | $614,912 | 44% |
Assumes you claim as a resident of that state. Estimate only, single-filer brackets. Not tax advice.
Lotto Plus tax FAQ
How much tax do you pay on a Lotto Plus jackpot in Colorado?
On a $1,100,000 Lotto Plus jackpot taken as a lump sum, you'd pay about $365,188 in federal tax and $48,400 in Colorado state tax, leaving roughly $686,412.
Does Colorado tax Lotto Plus lottery winnings?
Yes — Colorado withholds about 4.4% in state tax on Lotto Plus winnings, on top of federal tax.
Should I take the Lotto Plus 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.
