Lotto
Latest draw · Saturday, August 22, 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)
- $2,750,000
- Federal tax
- − $975,688
- State tax (Illinois · 4.95%)
- − $136,125
- Net take-home
- $1,638,187
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 $2,750,000 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 | $1,774,312 | 35% |
| Californiano state tax | $1,774,312 | 35% |
| Floridano state tax | $1,774,312 | 35% |
| New Hampshireno state tax | $1,774,312 | 35% |
| South Dakotano state tax | $1,774,312 | 35% |
| Tennesseeno state tax | $1,774,312 | 35% |
| Texasno state tax | $1,774,312 | 35% |
| Washingtonno state tax | $1,774,312 | 35% |
| Wyomingno state tax | $1,774,312 | 35% |
| Arizona | $1,705,562 | 38% |
| North Dakota | $1,705,562 | 38% |
| Pennsylvania | $1,689,887 | 39% |
| Indiana | $1,687,687 | 39% |
| Ohio | $1,678,062 | 39% |
| Kentucky | $1,664,312 | 39% |
| Louisiana | $1,657,437 | 40% |
| Michigan | $1,657,437 | 40% |
| Arkansas | $1,653,312 | 40% |
| Colorado | $1,653,312 | 40% |
| North Carolina | $1,650,562 | 40% |
| Utah | $1,646,437 | 40% |
| Oklahoma | $1,643,687 | 40% |
| Missouri | $1,642,312 | 40% |
| Illinois(this game) | $1,638,187 | 40% |
| Alabama | $1,636,812 | 40% |
| Massachusetts | $1,636,812 | 40% |
| Mississippi | $1,636,812 | 40% |
| West Virginia | $1,633,512 | 41% |
| Georgia | $1,623,337 | 41% |
| Kansas | $1,617,562 | 41% |
| Maryland | $1,616,187 | 41% |
| Virginia | $1,616,187 | 41% |
| Idaho | $1,614,812 | 41% |
| Nebraska | $1,613,712 | 41% |
| Montana | $1,612,062 | 41% |
| New Mexico | $1,612,062 | 41% |
| Rhode Island | $1,609,587 | 41% |
| Iowa | $1,609,312 | 41% |
| South Carolina | $1,598,312 | 42% |
| Delaware | $1,592,812 | 42% |
| Connecticut | $1,582,087 | 42% |
| Maine | $1,577,687 | 43% |
| Wisconsin | $1,563,937 | 43% |
| Vermont | $1,533,687 | 44% |
| Minnesota | $1,503,437 | 45% |
| Oregon | $1,502,062 | 45% |
| District of Columbia | $1,478,687 | 46% |
| New Jersey | $1,478,687 | 46% |
| New York | $1,474,562 | 46% |
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 $2,750,000 Lotto jackpot taken as a lump sum, you'd pay about $975,688 in federal tax and $136,125 in Illinois state tax, leaving roughly $1,638,187.
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.
