Lottery tax calculator

Estimate your take-home amount with federal, state, and local tax detail.

Enter the cash value, or use a current jackpot cash estimate below.

$

Enter the lottery prize amount before taxes.

How will you take the prize? *

Lump sum estimates one claim-year cash payment. Annuity models scheduled payments over 30 years.

State and local rules can materially change your take-home estimate.

Financial summary

Enter a prize and state to see your take-home estimate.

The summary will separate payout-time withholding from estimated final tax, then show what may be due or refunded when filing.

Take-home amount

The number you may keep after estimated taxes.

Keep percentage

A quick read on how much of the prize remains.

State and local tax

Local tax appears only where it applies.

Filing balance

Shows why withholding may not equal the final bill.

Updated for tax year 2026. Estimates are for planning, not tax advice.