Free lottery tax calculator

What you actually keep from a lottery jackpot

The advertised jackpot is not what you take home. Pick a game and your state to see the real number after federal, state and city tax, in seconds.

2026 federal brackets and verified state rates
Lump sum and 30-year annuity side by side
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Amounts shown before live jackpots load are examples. Estimates only, not tax advice.

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Lottery tax calculatorFederal, state and city tax, lump sum vs annuity, year-by-year payments. Check my numbersType your Powerball numbers and see which ones matched the last draw. Office pool splitterSplit a jackpot between 2 to 100 people and see each share after tax.

Guides

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PayoutLump sum vs annuity: which lottery payout should you take?The lump sum is smaller but paid now; the annuity pays 30 growing payments. How each is taxed, what you keep, and how to decide.Taxes24% withheld, 37% owed: the lottery tax gap explainedThe lottery withholds 24% federal tax, but jackpots are taxed at 37%. How the gap works, how much to set aside and how to avoid penalties.WinningWhat to do if you win the lottery: 10 steps, in orderWon a big lottery prize? Protect the ticket, stay quiet, build a team and plan for taxes. A calm, step-by-step checklist for winners.StatesLottery taxes by state, explainedHow states tax lottery winnings: which states charge nothing, which charge the most, and what happens when you buy a ticket in another state.PoolsLottery pools: rules, agreements and taxesHow to run an office lottery pool that ends well: a simple agreement, ticket records, Form 5754 and how each member's share is taxed.ClaimingHow to claim a lottery prizeWhere and how to claim a lottery prize of any size: store claims, mail-in claims, lottery offices, what to bring, deadlines and taxes.PayoutSelling lottery annuity payments: how it works and what it costsCan you sell your lottery annuity for a lump sum? How buyers price future payments, court approval, taxes, and questions to ask first.

Quick answers

How much tax do you pay on lottery winnings?

Federal tax of up to 37% on large prizes, plus state tax from 0% to about 11% depending on where you live, plus city tax in New York City and Yonkers. At claim time only 24% federal is withheld; the rest is due when you file.

Which states don't tax lottery winnings?

California (for California Lottery prizes), Florida, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Alaska and Nevada have no lottery and no income tax. See the state guides.

Is the lump sum or the annuity better?

The lump sum is smaller but paid at once; the annuity pays 30 yearly payments that grow 5% a year. Read our lump sum vs annuity guide before you choose.

Do you sell lottery tickets?

No. LotteryTaxHub is an independent information site. We do not sell tickets and we are not affiliated with any lottery.