Lotto
Latest draw · Wednesday, August 19, 2026 · evening
Lotto Tax Calculator
See what you'd really take home from a Lotto prize after federal and New York state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $4,000,000
- Federal tax
- − $1,438,188
- State tax (New York · 10.9%)
- − $436,000
- Net take-home
- $2,125,812
Estimate only — uses single-filer federal brackets and New York'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 $4,000,000 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 | $2,561,812 | 36% |
| Californiano state tax | $2,561,812 | 36% |
| Floridano state tax | $2,561,812 | 36% |
| New Hampshireno state tax | $2,561,812 | 36% |
| South Dakotano state tax | $2,561,812 | 36% |
| Tennesseeno state tax | $2,561,812 | 36% |
| Texasno state tax | $2,561,812 | 36% |
| Washingtonno state tax | $2,561,812 | 36% |
| Wyomingno state tax | $2,561,812 | 36% |
| Arizona | $2,461,812 | 38% |
| North Dakota | $2,461,812 | 38% |
| Pennsylvania | $2,439,012 | 39% |
| Indiana | $2,435,812 | 39% |
| Ohio | $2,421,812 | 39% |
| Kentucky | $2,401,812 | 40% |
| Louisiana | $2,391,812 | 40% |
| Michigan | $2,391,812 | 40% |
| Arkansas | $2,385,812 | 40% |
| Colorado | $2,385,812 | 40% |
| North Carolina | $2,381,812 | 40% |
| Utah | $2,375,812 | 41% |
| Oklahoma | $2,371,812 | 41% |
| Missouri | $2,369,812 | 41% |
| Illinois | $2,363,812 | 41% |
| Alabama | $2,361,812 | 41% |
| Massachusetts | $2,361,812 | 41% |
| Mississippi | $2,361,812 | 41% |
| West Virginia | $2,357,012 | 41% |
| Georgia | $2,342,212 | 41% |
| Kansas | $2,333,812 | 42% |
| Maryland | $2,331,812 | 42% |
| Virginia | $2,331,812 | 42% |
| Idaho | $2,329,812 | 42% |
| Nebraska | $2,328,212 | 42% |
| Montana | $2,325,812 | 42% |
| New Mexico | $2,325,812 | 42% |
| Rhode Island | $2,322,212 | 42% |
| Iowa | $2,321,812 | 42% |
| South Carolina | $2,305,812 | 42% |
| Delaware | $2,297,812 | 43% |
| Connecticut | $2,282,212 | 43% |
| Maine | $2,275,812 | 43% |
| Wisconsin | $2,255,812 | 44% |
| Vermont | $2,211,812 | 45% |
| Minnesota | $2,167,812 | 46% |
| Oregon | $2,165,812 | 46% |
| District of Columbia | $2,131,812 | 47% |
| New Jersey | $2,131,812 | 47% |
| New York(this game) | $2,125,812 | 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 New York?
On a $4,000,000 Lotto jackpot taken as a lump sum, you'd pay about $1,438,188 in federal tax and $436,000 in New York state tax, leaving roughly $2,125,812.
Does New York tax Lotto lottery winnings?
Yes — New York withholds about 10.9% 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.
