Lotto America
Latest draw · Saturday, October 3, 2026
Lotto America Tax Calculator
See what you'd really take home from a Lotto America prize after federal and MultiState Lottery state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $5,490,000
- Federal tax
- − $1,989,488
- State tax (MultiState Lottery · 0%)
- − $0
- Net take-home
- $3,500,512
🎉 MultiState Lottery doesn't tax lottery winnings — you only pay federal tax on your Lotto America prize.
Estimate only — uses single-filer federal brackets and MultiState Lottery's top lottery-withholding rate. Actual tax depends on your total income, filing status and deductions. Not tax advice.
Lotto America take-home by state
What you'd keep from a $5,490,000 Lotto America 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 | $3,500,512 | 36% |
| Californiano state tax | $3,500,512 | 36% |
| Floridano state tax | $3,500,512 | 36% |
| New Hampshireno state tax | $3,500,512 | 36% |
| South Dakotano state tax | $3,500,512 | 36% |
| Tennesseeno state tax | $3,500,512 | 36% |
| Texasno state tax | $3,500,512 | 36% |
| Washingtonno state tax | $3,500,512 | 36% |
| Wyomingno state tax | $3,500,512 | 36% |
| Arizona | $3,363,262 | 39% |
| North Dakota | $3,363,262 | 39% |
| Pennsylvania | $3,331,969 | 39% |
| Indiana | $3,327,577 | 39% |
| Ohio | $3,308,362 | 40% |
| Kentucky | $3,280,912 | 40% |
| Louisiana | $3,267,187 | 40% |
| Michigan | $3,267,187 | 40% |
| Arkansas | $3,258,952 | 41% |
| Colorado | $3,258,952 | 41% |
| North Carolina | $3,253,462 | 41% |
| Utah | $3,245,227 | 41% |
| Oklahoma | $3,239,737 | 41% |
| Missouri | $3,236,992 | 41% |
| Illinois | $3,228,757 | 41% |
| Alabama | $3,226,012 | 41% |
| Massachusetts | $3,226,012 | 41% |
| Mississippi | $3,226,012 | 41% |
| West Virginia | $3,219,424 | 41% |
| Georgia | $3,199,111 | 42% |
| Kansas | $3,187,582 | 42% |
| Maryland | $3,184,837 | 42% |
| Virginia | $3,184,837 | 42% |
| Idaho | $3,182,092 | 42% |
| Nebraska | $3,179,896 | 42% |
| Montana | $3,176,602 | 42% |
| New Mexico | $3,176,602 | 42% |
| Rhode Island | $3,171,661 | 42% |
| Iowa | $3,171,112 | 42% |
| South Carolina | $3,149,152 | 43% |
| Delaware | $3,138,172 | 43% |
| Connecticut | $3,116,761 | 43% |
| Maine | $3,107,977 | 43% |
| Wisconsin | $3,080,527 | 44% |
| Vermont | $3,020,137 | 45% |
| Minnesota | $2,959,747 | 46% |
| Oregon | $2,957,002 | 46% |
| District of Columbia | $2,910,337 | 47% |
| New Jersey | $2,910,337 | 47% |
| New York | $2,902,102 | 47% |
Assumes you claim as a resident of that state. Estimate only, single-filer brackets. Not tax advice.
Lotto America tax FAQ
How much tax do you pay on a Lotto America jackpot in MultiState Lottery?
On a $5,490,000 Lotto America jackpot taken as a lump sum, you'd pay about $1,989,488 in federal tax and no MultiState Lottery state tax, leaving roughly $3,500,512.
Does MultiState Lottery tax Lotto America lottery winnings?
No — MultiState Lottery does not tax lottery winnings, so you only pay federal tax on a Lotto America prize.
Should I take the Lotto America 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.
