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Lottery Calculator

Lottery Calculators

Nine tools covering every part of a lottery win: what you would owe in taxes, how the cash option compares with annuity payments, what the odds really mean, and random number generation for convenience. Every figure is labeled an estimate, and every tax figure traces back to a named, dated source.

Lottery Calculator

The full picture: enter the advertised jackpot and cash option to estimate federal tax, state tax, withholding, and take-home for any lottery win.

Lottery Tax Calculator

Tax-first view with 51 state guides. Compare how the same jackpot is taxed in different states, for tax years 2025 and 2026.

Lottery Payout Calculator

Cash vs annuity side by side: gross amounts, estimated taxes on each, timing, and payment structure — without ranking either option.

Lottery Annuity Calculator

Build a custom payment schedule from any total: number of payments, frequency, and annual increase, with a running total.

Lottery Cash Option Calculator

Lump sum only. Enter the official cash value to estimate federal and state taxes, withholding, and take-home on the one-time payment.

Lottery Odds Calculator

Odds and combinations for any game: custom number pools, Powerball and Mega Millions presets, ticket costs, and chance of at least one win.

Lottery Probability Calculator

What extra tickets actually change: the probability of at least one jackpot win with 1, 10, 100, or 1,000+ tickets.

Lottery Number Generator

Random number sets for any game — custom pools, bonus balls, up to 100 sets. Generated in your browser; nothing is stored or sent anywhere.

Lottery Combination Generator

Count the distinct combinations any game's rules allow, and see the illustrative arithmetic cost of covering them all.

Calculators by game

Playing a specific game? The Powerball hub and Mega Millions hub collect each game's calculators, verified rules, odds, and payout structures in one place — including game-specific tax and payout pages that lock in the official annuity schedule.

Which tool answers your question?

“How much would I keep?”
Use the Lottery Calculator for the complete estimate, or the Lottery Tax Calculator to focus on federal vs state tax.
“Cash or annuity?”
Use the Lottery Payout Calculator to compare both options side by side with estimated taxes on each.
“What are my chances?”
Use the Lottery Odds Calculator for combinations and odds, or the Probability Calculator to see what multiple tickets change.
“Pick numbers for me.”
Use the Lottery Number Generator. Random picks do not improve the mathematical odds — they are a convenience, not a strategy.

Frequently Asked Questions

Which lottery calculator should I start with?

Start with the Lottery Calculator if you want the full picture — jackpot, cash option, taxes, and take-home in one place. If you already know you only care about taxes, go straight to the Lottery Tax Calculator; if you are weighing the cash option against annual payments, use the Lottery Payout Calculator.

What is the difference between the payout calculator and the annuity calculator?

The payout calculator compares the cash option against annuity payments side by side, including estimated taxes on each. The annuity calculator builds a standalone payment schedule from any total you enter — useful for understanding how payments grow over time, independent of any particular lottery.

Do these calculators give financial advice?

No. They produce arithmetic estimates from the numbers you enter and published tax rules. Choosing between a lump sum and payments over decades involves investment returns, spending discipline, and estate planning that no calculator can decide for you.

Are the tax rates current?

Federal figures use the 2026 IRS brackets (Revenue Procedure 2025-32) and state planning rates sourced from the Tax Foundation's 2026 table, each with a recorded verification date. See the Methodology page for exactly what is assumed and when each source was last checked.

Do I need an account to use the calculators?

No. Every calculator runs entirely in your browser. Nothing you enter is stored, sent to a server, or tied to an account — there are no accounts at all.

Sources & References