How to Play Kentucky Millionaire for Life
$5 a play · Every day · 11:15 PM ET
- 1Pick 5 numbers from 1 to 58 and a Millionaire Ball from 1 to 5, or ask for a Quick Pick.
- 2Each play is $5, and there's a drawing every night.
- 3Choose how many drawings in a row to play, starting with the next one.
- 4Match all 5 numbers and the Millionaire Ball to win $1,000,000 a year for life.
- 5Match all 5 numbers without the Millionaire Ball to win $100,000 a year for life.
- 6Match 2 or more numbers, or 1 number and the Millionaire Ball, to win a cash prize.
You must be 18 or older to buy a ticket or claim a prize. Sales stop an hour before each drawing. See every prize
More Millionaire for Life rulesHow it works · Prizes · Liability limit
- How it works
- Pick 5 numbers from 1 to 58 and a Millionaire Ball from 1 to 5, which can be the same as one of your 5 numbers. Win with 2 or more of the 5 numbers, or with 1 number and the Millionaire Ball. The 5 numbers match in any order.
- Prizes
- The top prize is $1,000,000 a year for life and the second prize $100,000 a year for life. A winner makes a final choice between yearly payments and one cash payment: $18 million for the top prize or $2.2 million for the second. Yearly payments last for the winner's life and at least 20 years. If the winner dies within the first 20 years, the rest of those payments go to their estate or beneficiary; after 20 years, they stop at death, and the winner sends a notarized proof of life each year to keep being paid. A prize claimed by more than one person, by a company or other entity, or where it's allowed by a minor, is paid for exactly 20 years. Every other prize is a set cash amount, and each play wins only its highest prize.
- Liability limit
- The top prize is shared. With 2 to 20 winning plays, each gets an equal share of $1,000,000 a year, at least $50,000 a year, or an equal share of the $18 million cash. With 21 or more, the $18 million is split equally in cash, with no yearly payments. Since the September 1, 2026 drawing, up to 7 second-prize winners each get $100,000 a year for life or $2.2 million; with 8 or more, $15 million is split equally among them in cash, with no yearly payments. If a drawing's prizes would pass the game's liability limit, every prize level can be lowered.
Reviewed by Bishop Woosley, former Director of the Arkansas Scholarship Lottery and NASPL President.
You can't change Millionaire for Life's odds.
You can pick better scratch-offs.
The best Kentucky scratch-offs right now have up to x30.9 better jackpot odds for $50K to $1M+ jackpots.
Every Kentucky scratch-off ranked by today's odds- The best tickets for your budget and the prize you want
- A free app, built on official Kentucky Lottery data
More for Millionaire for Life Players
When it’s drawn, where to cash a win, and how other games are played.
Good to know
- Before You PlayKentucky Lottery Draw Times Drawn every day at 11:15 PM ET. Sales stop at 10:15 PM ET.
- After You WinHow to Claim a Kentucky Lottery Prize Up to $600 at any lottery retailer. You have 180 days to claim.
- Keep MoreKentucky Lottery Tax Calculator Kentucky taxes winnings at 3.5%. 24% federal and 3.5% state tax are withheld from prizes over $5,000.
How other Kentucky games are played
Kentucky Scratch-Offs
Frequently Asked Questions
Answers about Kentucky Millionaire for Life rules
How do you play Kentucky Millionaire for Life?
Pick 5 numbers from 1 to 58 and a Millionaire Ball from 1 to 5, or ask for a Quick Pick. Each play is $5, and there's a drawing every night. Choose how many drawings in a row to play, starting with the next one. Match all 5 numbers and the Millionaire Ball to win $1,000,000 a year for life. Match all 5 numbers without the Millionaire Ball to win $100,000 a year for life. Match 2 or more numbers, or 1 number and the Millionaire Ball, to win a cash prize.
How much is a Millionaire for Life ticket in Kentucky?
$5 a play.
How late can you buy Kentucky Millionaire for Life tickets?
The Kentucky Millionaire for Life cutoff time is an hour before each drawing: 10:15 PM ET for the 11:15 PM drawing.
Still have questions? Email our support team
Download Free
Ready to Play Smarter?
Join 50,000+ players who've stopped guessing and started winning more. Download free—no credit card, no commitment. Your state's best games are waiting.
Free forever - No card requiredFree forever - No credit card required
Real-time odds from 41+ statesReal-time odds - Updated daily from 41+ states
Optimized for your budget & goalSmart recommendations - Optimized for your budget and goal
Find best game in 30 secondsSimple & fast - Find the best game within 30 seconds
Scan to Download
iOS & Android
100% Legal & Free Forever100% Legal & Transparent•Free forever plan available