Lotto
Latest draw · Monday, August 17, 2026
Lotto Tax Calculator
See what you'd really take home from a Lotto prize after federal and Texas state tax — as a lump sum or a 30-year annuity.
- Prize (lump-sum cash)
- $5,250,000
- Federal tax
- − $1,900,688
- State tax (Texas · 0%)
- − $0
- Net take-home
- $3,349,312
🎉 Texas doesn't tax lottery winnings — you only pay federal tax on your Lotto prize.
Estimate only — uses single-filer federal brackets and Texas'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 $5,250,000 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 | $3,349,312 | 36% |
| Californiano state tax | $3,349,312 | 36% |
| Floridano state tax | $3,349,312 | 36% |
| New Hampshireno state tax | $3,349,312 | 36% |
| South Dakotano state tax | $3,349,312 | 36% |
| Tennesseeno state tax | $3,349,312 | 36% |
| Texasno state tax(this game) | $3,349,312 | 36% |
| Washingtonno state tax | $3,349,312 | 36% |
| Wyomingno state tax | $3,349,312 | 36% |
| Arizona | $3,218,062 | 39% |
| North Dakota | $3,218,062 | 39% |
| Pennsylvania | $3,188,137 | 39% |
| Indiana | $3,183,937 | 39% |
| Ohio | $3,165,562 | 40% |
| Kentucky | $3,139,312 | 40% |
| Louisiana | $3,126,187 | 40% |
| Michigan | $3,126,187 | 40% |
| Arkansas | $3,118,312 | 41% |
| Colorado | $3,118,312 | 41% |
| North Carolina | $3,113,062 | 41% |
| Utah | $3,105,187 | 41% |
| Oklahoma | $3,099,937 | 41% |
| Missouri | $3,097,312 | 41% |
| Illinois | $3,089,437 | 41% |
| Alabama | $3,086,812 | 41% |
| Massachusetts | $3,086,812 | 41% |
| Mississippi | $3,086,812 | 41% |
| West Virginia | $3,080,512 | 41% |
| Georgia | $3,061,087 | 42% |
| Kansas | $3,050,062 | 42% |
| Maryland | $3,047,437 | 42% |
| Virginia | $3,047,437 | 42% |
| Idaho | $3,044,812 | 42% |
| Nebraska | $3,042,712 | 42% |
| Montana | $3,039,562 | 42% |
| New Mexico | $3,039,562 | 42% |
| Rhode Island | $3,034,837 | 42% |
| Iowa | $3,034,312 | 42% |
| South Carolina | $3,013,312 | 43% |
| Delaware | $3,002,812 | 43% |
| Connecticut | $2,982,337 | 43% |
| Maine | $2,973,937 | 43% |
| Wisconsin | $2,947,687 | 44% |
| Vermont | $2,889,937 | 45% |
| Minnesota | $2,832,187 | 46% |
| Oregon | $2,829,562 | 46% |
| District of Columbia | $2,784,937 | 47% |
| New Jersey | $2,784,937 | 47% |
| New York | $2,777,062 | 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 Texas?
On a $5,250,000 Lotto jackpot taken as a lump sum, you'd pay about $1,900,688 in federal tax and no Texas state tax, leaving roughly $3,349,312.
Does Texas tax Lotto lottery winnings?
No — Texas does not tax lottery winnings, so you only pay federal tax on a Lotto prize.
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.
