Massachusetts Lottery Tax Calculator 2025

Massachusetts Lottery Tax Calculator 2025 - Base 5% + Surtax (9% total)

Calculate your lottery winnings after taxes in Massachusetts. Massachusetts has a 5% base tax rate plus 4% surtax on winnings over $1,083,150 (9% total on high winnings). Get instant estimates for Powerball, Mega Millions, and all lottery games. State withholding threshold: $600.

Federal Tax: Up to 37%

Massachusetts Tax: 5.00%

Last updated: September 3, 2025

Calculate Your Lottery Taxes

Quick estimates showing taxes withheld immediately plus liability estimates

Your State

Payout Type

Massachusetts Tax Details

5% base rate + 4% surtax on amounts over $1,083,150 (2025 threshold). Prizes over $600 have state tax withheld. Smaller prizes don't get taxed at payout. Final state taxes may differ when you file.

Federal Tax Status

Non-U.S. citizen/resident (30% flat rate)

Winnings Amount (Cash Value)

Enter the cash value amount. This lump sum will be taxed upfront.

Massachusetts After-Tax Winnings

Ready to Calculate?

Enter your details to see your after-tax winnings

Massachusetts Lump Sum Lottery Tax Information

Use our enhanced Massachusetts lottery tax calculator with Simple/Advanced modes to estimate your after-tax winnings. Our calculator distinguishes between immediate withholding (24% federal for winnings over $5,000) and your actual tax liability when filing returns. Additionally, we calculate Massachusetts state taxes with local jurisdictions where applicable. Get precise estimates of your total after-tax winnings including both withholding and additional tax liabilities.

Massachusetts Lottery Tax Facts

State Tax Rate: 5% base rate + 4% surtax on winnings over $1,083,150 (9% total on high winnings)
Tax Form Required: W-2G for lottery winnings over $600, and additional state forms may be required
Federal Tax: 24% withholding for winnings over $5,000, but actual liability may be higher (up to 37%) based on progressive tax brackets and your total income
Massachusetts Withholding Threshold: $600 (amounts above this trigger withholding)
Lump Sum Payment: For jackpot games like Powerball or Mega Millions, lump sum is typically 60% of the advertised amount before taxes; smaller prizes like scratch-offs are paid at face value.

How to Calculate Taxes on Massachusetts Lottery Winnings

Our enhanced calculator with Simple/Advanced modes simplifies tax estimation for both lump sum and annuity payments in four easy steps:

Select Massachusetts as Your State

Choose Massachusetts to calculate applicable federal and Massachusetts state taxes with local jurisdictions.

Choose Simple or Advanced Mode

Select Simple mode for quick liability estimates or Advanced mode for precise progressive bracket calculations based on your filing status.

Choose Your Payout Option

Select lump sum for immediate payment or annuity for graduated payments over 30 years. Each option has different tax implications.

Enter Amount & Calculate

Input your total winnings and click 'Calculate Your Lottery Taxes'to see both immediate withholding and final after-tax amounts.

Why Use Our Massachusetts Lottery Tax Calculator?

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Complete State-Specific Tax CalculationsIncludes Massachusetts state taxes, local jurisdictions, and high-income surtaxes for complete accuracy.

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Simple & Advanced Mode OptionsChoose Simple mode for quick liability estimates or Advanced mode for precise progressive bracket calculations with filing status options.

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Withholding vs Liability BreakdownSee both immediate tax withholding (what's taken out) and your actual tax liability (what you'll owe when filing), including estimates for small wins under thresholds.

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Complete Lump Sum vs Annuity AnalysisCompare tax implications of lump sum (immediate progressive taxation) vs annuity (30 years of graduated payments with 5% annual increases).

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Progressive Federal Tax BracketsUses actual 2025 federal tax brackets (10%-37%) instead of flat rates, showing precise tax liability based on your total income and filing status.

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Free Enhanced CalculatorAccess all features including Simple/Advanced modes, filing status options, local tax calculations, and comprehensive tax breakdowns without any fees or registration.

Massachusetts Lottery Tax FAQs

How much tax will I pay on lottery winnings in Massachusetts?

In Massachusetts, you'll pay 24% federal tax plus Massachusetts state tax on lottery winnings. The exact amount depends on your winnings size, filing status, and whether you choose lump sum or annuity payments. Our calculator includes progressive federal brackets and local tax jurisdictions for accurate estimates.

What is the difference between lump sum and annuity lottery taxes in Massachusetts?

Lump sum payments are taxed entirely in the year received, potentially pushing you into the highest tax bracket (37% federal). Annuity payments are taxed annually over 30 years, which may result in lower overall taxes since each payment may fall into lower tax brackets. Massachusetts state taxes apply to both options. Consider your filing status and other income when choosing.

Do I pay federal and state taxes on lottery winnings in Massachusetts?

Yes, you pay both 24% federal withholding tax and Massachusetts state tax on lottery winnings. Federal taxes apply to winnings over $5,000, and state taxes vary based on the amount and Massachusetts's specific tax structure. Local taxes may also apply in certain jurisdictions.

How much do I actually keep after taxes on lottery winnings in Massachusetts?

In Massachusetts, you typically keep 60-70% of your lottery winnings after federal and state taxes. The exact percentage depends on the winning amount, your income level, filing status, and whether you choose lump sum or annuity. Our calculator provides precise estimates including local tax jurisdictions.

Should I choose lump sum or annuity for lottery winnings in Massachusetts?

The choice depends on your financial goals and tax situation. Lump sum gives you immediate access to money but may result in higher taxes due to being pushed into top tax brackets. Annuity payments spread the tax burden over 30 years, potentially reducing overall taxes. Consider both federal and Massachusetts state tax implications when deciding. Our calculator shows tax differences between options. Consult a tax professional for personalized advice.

What filing status should I use for lottery tax calculations in Massachusetts?

Your filing status (Single, Married Filing Jointly, etc.) affects your federal tax brackets and overall tax liability. Single filers have lower bracket thresholds, while married filing jointly has higher thresholds. Choose the status that matches your actual tax filing situation. Our calculator automatically adjusts federal tax calculations based on your selection.

Are there local taxes on lottery winnings in Massachusetts?

Massachusetts has state taxes on lottery winnings. Additionally, some jurisdictions like NYC (14.78% combined), Yonkers, and Maryland counties have local taxes. Our calculator includes these local tax jurisdictions for accurate estimates.

Important Disclaimer

The content provided by Lottery Valley is for informational purposes only and is not intended to serve as tax, legal, or accounting advice. We recommend consulting a qualified tax professional, attorney, or accountant for personalized guidance regarding your federal and state tax obligations. If you come across any inaccuracies or have corrections to share, please contact us at hello@lotteryvalley.com