Cash 5
Latest draw · Thursday, September 10, 2026
Cash 5 Tax Calculator
See what you'd really take home from a Cash 5 prize after federal and Pennsylvania state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $625,000
- Federal tax
- − $189,438
- State tax (Pennsylvania · 3.07%)
- − $19,188
- Net take-home
- $416,375
Estimate only — uses single-filer federal brackets and Pennsylvania'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 $625,000 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 | $435,562 | 30% |
| Californiano state tax | $435,562 | 30% |
| Floridano state tax | $435,562 | 30% |
| New Hampshireno state tax | $435,562 | 30% |
| South Dakotano state tax | $435,562 | 30% |
| Tennesseeno state tax | $435,562 | 30% |
| Texasno state tax | $435,562 | 30% |
| Washingtonno state tax | $435,562 | 30% |
| Wyomingno state tax | $435,562 | 30% |
| Arizona | $419,937 | 33% |
| North Dakota | $419,937 | 33% |
| Pennsylvania(this game) | $416,375 | 33% |
| Indiana | $415,875 | 33% |
| Ohio | $413,687 | 34% |
| Kentucky | $410,562 | 34% |
| Louisiana | $409,000 | 35% |
| Michigan | $409,000 | 35% |
| Arkansas | $408,062 | 35% |
| Colorado | $408,062 | 35% |
| North Carolina | $407,437 | 35% |
| Utah | $406,500 | 35% |
| Oklahoma | $405,875 | 35% |
| Missouri | $405,562 | 35% |
| Illinois | $404,625 | 35% |
| Alabama | $404,312 | 35% |
| Massachusetts | $404,312 | 35% |
| Mississippi | $404,312 | 35% |
| West Virginia | $403,562 | 35% |
| Georgia | $401,250 | 36% |
| Kansas | $399,937 | 36% |
| Maryland | $399,625 | 36% |
| Virginia | $399,625 | 36% |
| Idaho | $399,312 | 36% |
| Nebraska | $399,062 | 36% |
| Montana | $398,687 | 36% |
| New Mexico | $398,687 | 36% |
| Rhode Island | $398,125 | 36% |
| Iowa | $398,062 | 36% |
| South Carolina | $395,562 | 37% |
| Delaware | $394,312 | 37% |
| Connecticut | $391,875 | 37% |
| Maine | $390,875 | 37% |
| Wisconsin | $387,750 | 38% |
| Vermont | $380,875 | 39% |
| Minnesota | $374,000 | 40% |
| Oregon | $373,687 | 40% |
| District of Columbia | $368,375 | 41% |
| New Jersey | $368,375 | 41% |
| New York | $367,437 | 41% |
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 Pennsylvania?
On a $625,000 Cash 5 jackpot taken as a lump sum, you'd pay about $189,438 in federal tax and $19,188 in Pennsylvania state tax, leaving roughly $416,375.
Does Pennsylvania tax Cash 5 lottery winnings?
Yes — Pennsylvania withholds about 3.07% 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.
