Lotto
Latest draw · Saturday, October 3, 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)
- $8,100,000
- Federal tax
- − $2,955,188
- State tax (New York · 10.9%)
- − $882,900
- Net take-home
- $4,261,912
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 $8,100,000 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 | $5,144,812 | 36% |
| Californiano state tax | $5,144,812 | 36% |
| Floridano state tax | $5,144,812 | 36% |
| New Hampshireno state tax | $5,144,812 | 36% |
| South Dakotano state tax | $5,144,812 | 36% |
| Tennesseeno state tax | $5,144,812 | 36% |
| Texasno state tax | $5,144,812 | 36% |
| Washingtonno state tax | $5,144,812 | 36% |
| Wyomingno state tax | $5,144,812 | 36% |
| Arizona | $4,942,312 | 39% |
| North Dakota | $4,942,312 | 39% |
| Pennsylvania | $4,896,142 | 40% |
| Indiana | $4,889,662 | 40% |
| Ohio | $4,861,312 | 40% |
| Kentucky | $4,820,812 | 40% |
| Louisiana | $4,800,562 | 41% |
| Michigan | $4,800,562 | 41% |
| Arkansas | $4,788,412 | 41% |
| Colorado | $4,788,412 | 41% |
| North Carolina | $4,780,312 | 41% |
| Utah | $4,768,162 | 41% |
| Oklahoma | $4,760,062 | 41% |
| Missouri | $4,756,012 | 41% |
| Illinois | $4,743,862 | 41% |
| Alabama | $4,739,812 | 41% |
| Massachusetts | $4,739,812 | 41% |
| Mississippi | $4,739,812 | 41% |
| West Virginia | $4,730,092 | 42% |
| Georgia | $4,700,122 | 42% |
| Kansas | $4,683,112 | 42% |
| Maryland | $4,679,062 | 42% |
| Virginia | $4,679,062 | 42% |
| Idaho | $4,675,012 | 42% |
| Nebraska | $4,671,772 | 42% |
| Montana | $4,666,912 | 42% |
| New Mexico | $4,666,912 | 42% |
| Rhode Island | $4,659,622 | 42% |
| Iowa | $4,658,812 | 42% |
| South Carolina | $4,626,412 | 43% |
| Delaware | $4,610,212 | 43% |
| Connecticut | $4,578,622 | 43% |
| Maine | $4,565,662 | 44% |
| Wisconsin | $4,525,162 | 44% |
| Vermont | $4,436,062 | 45% |
| Minnesota | $4,346,962 | 46% |
| Oregon | $4,342,912 | 46% |
| District of Columbia | $4,274,062 | 47% |
| New Jersey | $4,274,062 | 47% |
| New York(this game) | $4,261,912 | 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 $8,100,000 Lotto jackpot taken as a lump sum, you'd pay about $2,955,188 in federal tax and $882,900 in New York state tax, leaving roughly $4,261,912.
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.
