Question 1

What is the federal tax rate on lottery prizes?

Accepted Answer

Lottery prizes are ordinary income. Under IRS Instructions for Forms W-2G (Rev. January 2026), regular 24% gambling withholding applies when winnings minus the wager exceed $5,000; the payer withholds 24% of those proceeds (not merely the excess over $5,000). Installment payments of $5,000 or less are still subject to withholding if total proceeds from the wager exceed $5,000; the wager is subtracted at the first payment. Your final federal liability uses 2026 brackets (10%–37%). This page is not personalized tax advice.

Question 2

Is the Powerball cash option a fixed percentage of the advertised jackpot?

Accepted Answer

No. The advertised jackpot is the annuity total. The cash option is the amount in the prize pool for that drawing, published by the lottery (for example on powerball.com) — not a fixed percentage such as 60%. Enter the published cash figure for the same drawing; RaspaPro does not invent or verify that amount.

Question 3

Which games get a graduated annuity calendar here?

Accepted Answer

Only Powerball, Mega Millions, and Lotto America, whose official rules use 30 payments over 29 years that increase about 5% each year (one immediate payment and 29 later). Other games, scratch-offs, and “for life” prizes are not modeled as that schedule. Choosing a state sets tax rates only — it does not change payout rules.

Question 4

Lump sum or annuity — which should I take?

Accepted Answer

The cash option is a single published amount now. The graduated annuity pays the advertised total over 30 rising installments and can spread taxable income. Neither option is “free money after tax.” Future-year tax estimates here reuse today’s 2026 federal brackets as an illustration, not a forecast of law for the next 29 years. Talk to a CPA and attorney before you claim. RaspaPro does not provide tax, legal, or financial advice.

Question 5

Does New Jersey tax a $10,000 New Jersey Lottery prize?

Accepted Answer

An individual New Jersey Lottery prize of $10,000 or less is exempt from New Jersey gross income tax. Prizes exceeding $10,000 are taxable and subject to withholding at 5% on the entire payout through $500,000 or 8% above $500,000 — that withholding is not treated here as a certified final tax. The $10,000 exemption is for New Jersey Lottery prizes only — not for every prize won by a New Jersey resident. Pennsylvania is different: PA Lottery cash prizes are taxable at 3.07% even when automatic withholding applies only above $5,000. Sources: NJ Division of Taxation / NJ Lottery FAQs; PA Department of Revenue lottery winnings pages (consulted 2026-10-27).

Question 6

Is a $1,000 Pennsylvania Lottery prize tax-exempt?

Accepted Answer

No. Under Act 84 of 2016, Pennsylvania Lottery cash prizes are subject to the 3.07% personal income tax. The Lottery automatically withholds that tax only on prizes greater than $5,000. Below that threshold, $0 withholding is not an exemption — tax is still due when filing (PA Schedule T). Sources: pa.gov Lottery Winnings and PIT Guide – Gambling and Lottery Winnings (consulted 2026-10-27).

Question 7

Does choosing Puerto Rico remove U.S. federal income tax?

Accepted Answer

Not automatically. Per IRS Topic 901 and Publication 570, a bona fide resident of Puerto Rico generally excludes Puerto Rico-source income from U.S. federal gross income (IRC §933). You must select whether that exclusion applies. If you are unsure, this tool shows the Ley 10 contribution without presenting a complete federal take-home. Powerball or other non–Puerto Rico-source prizes can be treated differently.

Question 8

Does Florida tax lottery winnings?

Accepted Answer

No, within the modeled scope. Florida does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 9

Does Georgia tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Georgia models a flat 4.99% income tax for tax year 2026 on taxable income after the Georgia standard deduction ($15,000 single/HOH/MFS; $30,000 joint) under a prize-as-sole-income model — not 4.99% of the raw prize when the deduction covers it. Lottery withholding at 4.99% when the prize is more than $5,000. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 10

Does Texas tax lottery winnings?

Accepted Answer

No, within the modeled scope. Texas does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 11

Does California tax lottery winnings?

Accepted Answer

No, within the modeled scope. Modeled as California Lottery winnings (FTB-exempt). Selecting CA does not exempt other states’ lottery prizes for a California resident. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 12

Does New York tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 10.9% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 13

Does Pennsylvania tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Pennsylvania Lottery cash prizes are subject to PA personal income tax at 3.07% (Act 84 of 2016). Automatic Lottery withholding applies when the prize is greater than $5,000; $0 withholding below that is not an exemption. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 14

Does New Jersey tax lottery winnings?

Accepted Answer

It depends on the prize amount. New Jersey Lottery individual prizes of $10,000 or less are exempt from NJ gross income tax; above that, modeled withholding is 5% (through $500,000) or 8% (above $500,000) on the entire prize and is not treated as a certified final liability (take-home incomplete above the exemption). Scope: New Jersey Lottery prize only. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 15

Does Illinois tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Illinois models a flat 4.95% tax for tax year 2026 on net income after the personal exemption allowance ($2,925 per modeled credit) under a prize-as-sole-income model. Illinois Lottery withholding at 4.95% on payments of $1,000 or more does not use exemptions. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 16

Does Ohio tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Ohio 2.75% withholding proxy on reportable lottery payments. Final Ohio tax depends on brackets; local tax not modeled. This calculator does not treat that withholding as final state tax, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 17

Does Michigan tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 4.25% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 18

Does Massachusetts tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 5% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 19

Does Virginia tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 4% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 20

Does North Carolina tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3.99% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 21

Does Arizona tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Arizona Lottery withholding modeled at 2.5% on the payment. Final Arizona liability may differ; local tax not modeled. This calculator does not treat that withholding as final state tax, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 22

Does Maryland tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 9.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 23

Does South Carolina tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 5.21% when the prize is greater than $500. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 24

Does Indiana tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 2.95% when the prize is greater than $1,200. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 25

Does Missouri tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 4% when the prize is $600.01 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 26

Does Colorado tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 4% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 27

Does Wisconsin tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 7.65% when the prize is $2,000 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 28

Does Minnesota tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 7.25% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 29

Does Louisiana tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3% when the prize is $5,000 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 30

Does Kentucky tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 31

Does Connecticut tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 6.99% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 32

Does Oregon tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 8% when the prize is $1,500 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 33

Does Washington tax lottery winnings?

Accepted Answer

No, within the modeled scope. Washington does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 34

Does Tennessee tax lottery winnings?

Accepted Answer

No, within the modeled scope. Tennessee does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 35

Does Iowa tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3.8% when the prize is greater than $600. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 36

Does Puerto Rico tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Puerto Rico withholds the Ley 10-1989 Art. 12 lottery contribution (graduated brackets, effective cap 20%). U.S. federal exclusion is separate (IRC §933) and is not assumed merely by selecting PR. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 37

Does Oklahoma tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Oklahoma models graduated TY2026 individual brackets (top marginal 4.5% — not a flat 4.5% on the prize) after the Oklahoma standard deduction and personal exemption, prize as sole income. Modeled state withholding at 4% when the prize is over $5,000 is informational. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 38

Does Arkansas tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3.7% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 39

Does Kansas tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 40

Does Nebraska tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 41

Does West Virginia tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 4.82% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 42

Does New Mexico tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 6% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 43

Does Maine tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 7.15% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 44

Does New Hampshire tax lottery winnings?

Accepted Answer

No, within the modeled scope. New Hampshire does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 45

Does Rhode Island tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Rhode Island withholding modeled at 5.99% on lottery prize payments for U.S. residents. Final liability may differ. This calculator does not treat that withholding as final state tax, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 46

Does Delaware tax lottery winnings?

Accepted Answer

Yes, under this calculator’s model. Delaware models graduated personal income tax under 30 Del. C. §1102(a)(14) for tax year 2026 (not a flat 6.6% on the prize), minus the standard deduction and personal credit, with the prize as sole income. The Lottery does not withhold state tax at claim. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 47

Does Vermont tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 6% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 48

Does Idaho tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 5.3% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 49

Does Montana tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 5.9% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 50

Does South Dakota tax lottery winnings?

Accepted Answer

No, within the modeled scope. South Dakota does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 51

Does North Dakota tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 2.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 52

Does Wyoming tax lottery winnings?

Accepted Answer

No, within the modeled scope. Wyoming does not tax lottery winnings. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 53

Does Mississippi tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 3% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Question 54

Does District of Columbia tax lottery winnings?

Accepted Answer

It may; this calculator models initial withholding only, not final liability. Modeled state withholding at 8.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete. This tool models a prize from that jurisdiction’s lottery — not every prize won by a resident. Federal income tax still applies except when a Puerto Rico §933 exclusion is selected.

Year	Gross	Est. federal	Est. state	Est. net
1	$10,776,828	$3,937,427	$0	$6,839,401
2	$11,315,669	$4,136,798	$0	$7,178,871
3	$11,881,452	$4,346,137	$0	$7,535,315
4	$12,475,525	$4,565,945	$0	$7,909,581
5	$13,099,301	$4,796,742	$0	$8,302,559
6	$13,754,266	$5,039,079	$0	$8,715,187
7	$14,441,980	$5,293,533	$0	$9,148,447
8	$15,164,079	$5,560,709	$0	$9,603,370
9	$15,922,282	$5,841,245	$0	$10,081,037
10	$16,718,397	$6,135,807	$0	$10,582,590
11	$17,554,316	$6,445,097	$0	$11,109,219
12	$18,432,032	$6,769,852	$0	$11,662,180
13	$19,353,634	$7,110,845	$0	$12,242,789
14	$20,321,316	$7,468,887	$0	$12,852,429
15	$21,337,381	$7,844,831	$0	$13,492,550
16	$22,404,250	$8,239,573	$0	$14,164,677
17	$23,524,463	$8,654,052	$0	$14,870,411
18	$24,700,686	$9,089,254	$0	$15,611,432
19	$25,935,720	$9,546,217	$0	$16,389,503
20	$27,232,506	$10,026,027	$0	$17,206,479
21	$28,594,132	$10,529,829	$0	$18,064,303
22	$30,023,838	$11,058,820	$0	$18,965,018
23	$31,525,030	$11,614,261	$0	$19,910,769
24	$33,101,282	$12,197,475	$0	$20,903,807
25	$34,756,346	$12,809,848	$0	$21,946,498
26	$36,494,163	$13,452,841	$0	$23,041,322
27	$38,318,871	$14,127,983	$0	$24,190,888
28	$40,234,815	$14,836,882	$0	$25,397,933
29	$42,246,556	$15,581,226	$0	$26,665,330
30	$44,358,884	$16,362,787	$0	$27,996,097

Rate	Income in bracket	Tax
10.0%	$12,400	$1,240
12.0%	$38,000	$4,560
22.0%	$55,300	$12,166
24.0%	$96,075	$23,058
32.0%	$54,450	$17,424
35.0%	$384,375	$134,531
37.0%	$306,543,300	$113,421,021

Rate	Single	Married filing jointly	Head of household
10.0%	$0 – $12,400	$0 – $24,800	$0 – $17,700
12.0%	$12,401 – $50,400	$24,801 – $100,800	$17,701 – $67,450
22.0%	$50,401 – $105,700	$100,801 – $211,400	$67,451 – $105,700
24.0%	$105,701 – $201,775	$211,401 – $403,550	$105,701 – $201,750
32.0%	$201,776 – $256,225	$403,551 – $512,450	$201,751 – $256,200
35.0%	$256,226 – $640,600	$512,451 – $768,700	$256,201 – $640,600
37.0%	Over $640,600	Over $768,700	Over $640,600

California lottery tax calculator

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Annuity schedule (estimate)

Step-by-step federal brackets (cash / lump sum)

How lottery taxes work in California

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2026 federal tax brackets

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State	Treatment in this calculator	Detail (local rules)
Florida	No state tax	Florida does not tax lottery winnings.
Georgia	4.99% after GA standard deduction	Georgia models a flat 4.99% income tax for tax year 2026 on taxable income after the Georgia standard deduction ($15,000 single/HOH/MFS; $30,000 joint) under a prize-as-sole-income model — not 4.99% of the raw prize when the deduction covers it. Lottery withholding at 4.99% when the prize is more than $5,000.
Texas	No state tax	Texas does not tax lottery winnings.
California	No state tax	Modeled as California Lottery winnings (FTB-exempt). Selecting CA does not exempt other states’ lottery prizes for a California resident.
New York	Withholding 10.9% above threshold — net incomplete	Modeled state withholding at 10.9% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Pennsylvania	3.07% PIT (PA Lottery cash)	Pennsylvania Lottery cash prizes are subject to PA personal income tax at 3.07% (Act 84 of 2016). Automatic Lottery withholding applies when the prize is greater than $5,000; $0 withholding below that is not an exemption.
New Jersey	Exempt ≤ $10,000; withholding above	New Jersey Lottery individual prizes of $10,000 or less are exempt from NJ gross income tax; above that, modeled withholding is 5% (through $500,000) or 8% (above $500,000) on the entire prize and is not treated as a certified final liability (take-home incomplete above the exemption). Scope: New Jersey Lottery prize only.
Illinois	4.95% after personal exemption	Illinois models a flat 4.95% tax for tax year 2026 on net income after the personal exemption allowance ($2,925 per modeled credit) under a prize-as-sole-income model. Illinois Lottery withholding at 4.95% on payments of $1,000 or more does not use exemptions.
Ohio	Withholding 2.75% — net incomplete	Ohio 2.75% withholding proxy on reportable lottery payments. Final Ohio tax depends on brackets; local tax not modeled. This calculator does not treat that withholding as final state tax, so take-home stays incomplete.
Michigan	Withholding 4.25% above threshold — net incomplete	Modeled state withholding at 4.25% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Massachusetts	Withholding 5% above threshold — net incomplete	Modeled state withholding at 5% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Virginia	Withholding 4% above threshold — net incomplete	Modeled state withholding at 4% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
North Carolina	Withholding 3.99% above threshold — net incomplete	Modeled state withholding at 3.99% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Arizona	Withholding 2.5% — net incomplete	Arizona Lottery withholding modeled at 2.5% on the payment. Final Arizona liability may differ; local tax not modeled. This calculator does not treat that withholding as final state tax, so take-home stays incomplete.
Maryland	Withholding 9.5% above threshold — net incomplete	Modeled state withholding at 9.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
South Carolina	Withholding 5.21% above threshold — net incomplete	Modeled state withholding at 5.21% when the prize is greater than $500. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Indiana	Withholding 2.95% above threshold — net incomplete	Modeled state withholding at 2.95% when the prize is greater than $1,200. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Missouri	Withholding 4% above threshold — net incomplete	Modeled state withholding at 4% when the prize is $600.01 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Colorado	Withholding 4% above threshold — net incomplete	Modeled state withholding at 4% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Wisconsin	Withholding 7.65% above threshold — net incomplete	Modeled state withholding at 7.65% when the prize is $2,000 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Minnesota	Withholding 7.25% above threshold — net incomplete	Modeled state withholding at 7.25% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Louisiana	Withholding 3% above threshold — net incomplete	Modeled state withholding at 3% when the prize is $5,000 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Kentucky	Withholding 3.5% above threshold — net incomplete	Modeled state withholding at 3.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Connecticut	Withholding 6.99% above threshold — net incomplete	Modeled state withholding at 6.99% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Oregon	Withholding 8% above threshold — net incomplete	Modeled state withholding at 8% when the prize is $1,500 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Washington	No state tax	Washington does not tax lottery winnings.
Tennessee	No state tax	Tennessee does not tax lottery winnings.
Iowa	Withholding 3.8% above threshold — net incomplete	Modeled state withholding at 3.8% when the prize is greater than $600. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Puerto Rico	Ley 10 brackets (cap 20%)	Puerto Rico withholds the Ley 10-1989 Art. 12 lottery contribution (graduated brackets, effective cap 20%). U.S. federal exclusion is separate (IRC §933) and is not assumed merely by selecting PR.
Oklahoma	Graduated PIT (TY2026 brackets + SD)	Oklahoma models graduated TY2026 individual brackets (top marginal 4.5% — not a flat 4.5% on the prize) after the Oklahoma standard deduction and personal exemption, prize as sole income. Modeled state withholding at 4% when the prize is over $5,000 is informational.
Arkansas	Withholding 3.7% above threshold — net incomplete	Modeled state withholding at 3.7% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Kansas	Withholding 5% above threshold — net incomplete	Modeled state withholding at 5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Nebraska	Withholding 3.5% above threshold — net incomplete	Modeled state withholding at 3.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
West Virginia	Withholding 4.82% above threshold — net incomplete	Modeled state withholding at 4.82% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
New Mexico	Withholding 6% above threshold — net incomplete	Modeled state withholding at 6% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Maine	Withholding 7.15% above threshold — net incomplete	Modeled state withholding at 7.15% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
New Hampshire	No state tax	New Hampshire does not tax lottery winnings.
Rhode Island	Withholding 5.99% — net incomplete	Rhode Island withholding modeled at 5.99% on lottery prize payments for U.S. residents. Final liability may differ. This calculator does not treat that withholding as final state tax, so take-home stays incomplete.
Delaware	Graduated PIT (TY2026 brackets + SD)	Delaware models graduated personal income tax under 30 Del. C. §1102(a)(14) for tax year 2026 (not a flat 6.6% on the prize), minus the standard deduction and personal credit, with the prize as sole income. The Lottery does not withhold state tax at claim.
Vermont	Withholding 6% above threshold — net incomplete	Modeled state withholding at 6% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Idaho	Withholding 5.3% above threshold — net incomplete	Modeled state withholding at 5.3% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Montana	Withholding 5.9% above threshold — net incomplete	Modeled state withholding at 5.9% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
South Dakota	No state tax	South Dakota does not tax lottery winnings.
North Dakota	Withholding 2.5% above threshold — net incomplete	Modeled state withholding at 2.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
Wyoming	No state tax	Wyoming does not tax lottery winnings.
Mississippi	Withholding 3% above threshold — net incomplete	Modeled state withholding at 3% when the prize is $600 or more. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.
District of Columbia	Withholding 8.5% above threshold — net incomplete	Modeled state withholding at 8.5% when the prize is greater than $5,000. Below the threshold, $0 withholding is not an exemption. Final state liability is not calculated here, so take-home stays incomplete.