Lotto
Latest draw · Monday, October 5, 2026
Lotto Tax Calculator
See what you'd really take home from a Lotto prize after federal and Illinois state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $5,900,000
- Federal tax
- − $2,141,188
- State tax (Illinois · 4.95%)
- − $292,050
- Net take-home
- $3,466,762
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.
Lotto take-home by state
What you'd keep from a $5,900,000 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 | $3,758,812 | 36% |
| Californiano state tax | $3,758,812 | 36% |
| Floridano state tax | $3,758,812 | 36% |
| New Hampshireno state tax | $3,758,812 | 36% |
| South Dakotano state tax | $3,758,812 | 36% |
| Tennesseeno state tax | $3,758,812 | 36% |
| Texasno state tax | $3,758,812 | 36% |
| Washingtonno state tax | $3,758,812 | 36% |
| Wyomingno state tax | $3,758,812 | 36% |
| Arizona | $3,611,312 | 39% |
| North Dakota | $3,611,312 | 39% |
| Pennsylvania | $3,577,682 | 39% |
| Indiana | $3,572,962 | 39% |
| Ohio | $3,552,312 | 40% |
| Kentucky | $3,522,812 | 40% |
| Louisiana | $3,508,062 | 41% |
| Michigan | $3,508,062 | 41% |
| Arkansas | $3,499,212 | 41% |
| Colorado | $3,499,212 | 41% |
| North Carolina | $3,493,312 | 41% |
| Utah | $3,484,462 | 41% |
| Oklahoma | $3,478,562 | 41% |
| Missouri | $3,475,612 | 41% |
| Illinois(this game) | $3,466,762 | 41% |
| Alabama | $3,463,812 | 41% |
| Massachusetts | $3,463,812 | 41% |
| Mississippi | $3,463,812 | 41% |
| West Virginia | $3,456,732 | 41% |
| Georgia | $3,434,902 | 42% |
| Kansas | $3,422,512 | 42% |
| Maryland | $3,419,562 | 42% |
| Virginia | $3,419,562 | 42% |
| Idaho | $3,416,612 | 42% |
| Nebraska | $3,414,252 | 42% |
| Montana | $3,410,712 | 42% |
| New Mexico | $3,410,712 | 42% |
| Rhode Island | $3,405,402 | 42% |
| Iowa | $3,404,812 | 42% |
| South Carolina | $3,381,212 | 43% |
| Delaware | $3,369,412 | 43% |
| Connecticut | $3,346,402 | 43% |
| Maine | $3,336,962 | 43% |
| Wisconsin | $3,307,462 | 44% |
| Vermont | $3,242,562 | 45% |
| Minnesota | $3,177,662 | 46% |
| Oregon | $3,174,712 | 46% |
| District of Columbia | $3,124,562 | 47% |
| New Jersey | $3,124,562 | 47% |
| New York | $3,115,712 | 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 Illinois?
On a $5,900,000 Lotto jackpot taken as a lump sum, you'd pay about $2,141,188 in federal tax and $292,050 in Illinois state tax, leaving roughly $3,466,762.
Does Illinois tax Lotto lottery winnings?
Yes — Illinois withholds about 4.95% 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.
