Lottery tax calculator
Enter a prize, choose where you would claim it, and see an indicative estimate of what is withheld at source, what the final tax bill could look like and what is left.
Indicative estimate only, not tax advice. Rates are headline published rates reviewed in September 2026; your actual bill depends on your full income and circumstances.
Your prize
Nothing you type here is sent anywhere or saved.
Amount in USD, before any tax.
One single payment, taxed once in the year you receive it.
Estimated outcome
New York
- Prize entered
- $100,000,000
- Withheld at source (~34.90%)
- $34,898,255
- Estimated total tax (~47.90%)
- $47,897,605
- Estimated amount kept
- $52,102,395
- Effective rate
- 47.9%
US prizes above 5,000 have 24% federal tax withheld at payout, but a jackpot lands in the top federal bracket, so more is usually due when you file. State tax is added on top; some states withhold nothing.
How this estimate is built
Everything is calculated in your browser from published headline rates.
- Withholding is what the operator deducts before paying you; it is rarely the final bill.
- For the United States we add 24% federal withholding to the state withholding rate, then estimate the final bill at the top federal bracket plus the state's top rate.
- Exempt bands (for example Spain's first 40,000 EUR) are applied to each payment, so an annuity can be taxed more lightly than one lump sum.
- Local taxes, city taxes, non-resident rules, syndicate splits and treaty relief are not modelled.
Know what you actually played before you count the prize
365GET keeps verified results, the numbers you played and your spending in one place, so a win is checked automatically and your budget stays visible. No prediction, ever.