Calculate your take-home cash instantly
Don’t be surprised by the IRS. Use this Universal Lottery Calculator to estimate federal and state taxes for ANY US lottery game (Powerball, Mega Millions, Lotto America, etc.). Select your state below to apply the official 2026 Tax Brackets.
🇺🇸 Universal Lottery Tax Calculator
Calculate your exact take-home payout for any US State.
*Estimates based on 2026 tax brackets. Actual payout may vary by filing status.
🏆 Best & Worst States for Lottery Winners
Where you live drastically affects your final payout. Here is the breakdown based on state tax liability.
| Category | States | Tax Rate |
|---|---|---|
| Best (Tax Free) | CA, FL, TX, NH, SD, TN, WA, WY | 0.00% |
| Worst (High Tax) | New York (NYC), New Jersey, Oregon, Maryland | 8.00% - 10.90% |
| Average | Most US States (PA, OH, MI, NC, GA) | 3.00% - 5.99% |
Frequently Asked Questions
How is the Lump Sum calculated?
The Lump Sum is typically 52% of the advertised jackpot. From this amount, the federal government takes 24% immediately, and your state takes between 0% and 10.9% depending on where you bought the ticket.
Does California tax lottery winnings?
No. California is one of the best states for winners because it does not tax lottery prizes, even though it has high income tax for other earnings.
What is the federal tax rate on lottery winnings?
The IRS requires a mandatory withholding of 24% on all prizes over $5,000. However, you may owe more (up to 37%) when filing your annual tax return.
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Lottery Calculator FAQ
How is the Lottery Lump Sum calculated?
The Lump Sum (Cash Option) is typically 45-55% of the advertised jackpot. Our lottery calculator automatically applies the current interest rate factors to estimate this value before taxes.
Which states have no lottery tax?
California, Florida, Texas, New Hampshire, South Dakota, Tennessee, Washington, and Wyoming do not tax lottery winnings. However, you are still liable for Federal Taxes, which this calculator includes.
What is the federal tax rate on lottery winnings?
The IRS mandates a 24% upfront withholding on prizes over $5,000. However, most winners will owe the top marginal rate of 37% at tax time. This tool calculates both scenarios.