Cash 5
Latest draw · Saturday, October 3, 2026
Cash 5 Tax Calculator
See what you'd really take home from a Cash 5 prize after federal and New Jersey state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $444,000
- Federal tax
- − $125,775
- State tax (New Jersey · 10.75%)
- − $47,730
- Net take-home
- $270,495
Estimate only — uses single-filer federal brackets and New Jersey's top lottery-withholding rate. Actual tax depends on your total income, filing status and deductions. Not tax advice.
Cash 5 take-home by state
What you'd keep from a $444,000 Cash 5 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 | $318,225 | 28% |
| Californiano state tax | $318,225 | 28% |
| Floridano state tax | $318,225 | 28% |
| New Hampshireno state tax | $318,225 | 28% |
| South Dakotano state tax | $318,225 | 28% |
| Tennesseeno state tax | $318,225 | 28% |
| Texasno state tax | $318,225 | 28% |
| Washingtonno state tax | $318,225 | 28% |
| Wyomingno state tax | $318,225 | 28% |
| Arizona | $307,125 | 31% |
| North Dakota | $307,125 | 31% |
| Pennsylvania | $304,594 | 31% |
| Indiana | $304,239 | 31% |
| Ohio | $302,685 | 32% |
| Kentucky | $300,465 | 32% |
| Louisiana | $299,355 | 33% |
| Michigan | $299,355 | 33% |
| Arkansas | $298,689 | 33% |
| Colorado | $298,689 | 33% |
| North Carolina | $298,245 | 33% |
| Utah | $297,579 | 33% |
| Oklahoma | $297,135 | 33% |
| Missouri | $296,913 | 33% |
| Illinois | $296,247 | 33% |
| Alabama | $296,025 | 33% |
| Massachusetts | $296,025 | 33% |
| Mississippi | $296,025 | 33% |
| West Virginia | $295,492 | 33% |
| Georgia | $293,850 | 34% |
| Kansas | $292,917 | 34% |
| Maryland | $292,695 | 34% |
| Virginia | $292,695 | 34% |
| Idaho | $292,473 | 34% |
| Nebraska | $292,296 | 34% |
| Montana | $292,029 | 34% |
| New Mexico | $292,029 | 34% |
| Rhode Island | $291,630 | 34% |
| Iowa | $291,585 | 34% |
| South Carolina | $289,809 | 35% |
| Delaware | $288,921 | 35% |
| Connecticut | $287,190 | 35% |
| Maine | $286,479 | 35% |
| Wisconsin | $284,259 | 36% |
| Vermont | $279,375 | 37% |
| Minnesota | $274,491 | 38% |
| Oregon | $274,269 | 38% |
| District of Columbia | $270,495 | 39% |
| New Jersey(this game) | $270,495 | 39% |
| New York | $269,829 | 39% |
Assumes you claim as a resident of that state. Estimate only, single-filer brackets. Not tax advice.
Cash 5 tax FAQ
How much tax do you pay on a Cash 5 jackpot in New Jersey?
On a $444,000 Cash 5 jackpot taken as a lump sum, you'd pay about $125,775 in federal tax and $47,730 in New Jersey state tax, leaving roughly $270,495.
Does New Jersey tax Cash 5 lottery winnings?
Yes — New Jersey withholds about 10.75% in state tax on Cash 5 winnings, on top of federal tax.
Should I take the Cash 5 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.
