CheckOfficial Massachusetts Lottery Data

    Massachusetts (MA) Lottery
    Tax & Payout Calculator

    Massachusetts taxes lottery winnings at 5%, and federal income tax applies too. 5% state tax is withheld from prizes over $600, plus 24% federal tax from prizes over $5,000. Taken as cash, the next $538 million Powerball jackpot leaves a Massachusetts winner about $128 million.

    Massachusetts Powerball & Mega Millions Jackpots After Taxes

    What each jackpot leaves after federal and Massachusetts tax, as one cash payment or paid yearly.

    Powerball

    Jackpot
    $538M
    Cash value
    $220.6M
    Federal + state tax
    $92.6M
    You keep
    About $128M

    Mega Millions

    Jackpot
    $385M
    Cash value
    $154.8M
    Federal + state tax
    $65M
    You keep
    About $89.8M

    Megabucks

    Jackpot
    $1.7M
    Cash value
    $1M
    Federal + state tax
    $382.6K
    You keep
    About $647.4K

    Federal tax at the 2026 rates for a single filer with no other income and Massachusetts's 5% tax.

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    Massachusetts Lottery Tax Calculator

    Type your prize to see what's withheld when it's paid and what you're handed.

    $
    PrizeWithheld at claimPaid to you
    $1,000$50$950
    $5,000$250$4,750
    $10,000$2,900$7,100
    $50,000$14,500$35,500
    $100,000$29,000$71,000
    $1,000,000$290,000$710,000

    Every prize is taxable income. From $2,000 the lottery reports it to the IRS, and your final federal tax depends on your income, from 10% to 37%.

    Good to Know

    Massachusetts tax on winnings 

    5%

    A flat rate, on top of federal tax.

    Withheld when you're paid 

    5% state over $60024% federal + 5% state over $5,000

    Smaller prizes are paid in full.

    Top federal rate 

    37% over $640,600

    $768,700 for married filing jointly. A jackpot owes most of its tax at this rate, more than the 24% withheld.

    Reported to the IRS 

    Prizes of $2,000 or more

    On Form W-2G, from 2026; it was $600 before.

    Cash or annuity 

    Choose within 60 days of the drawing

    Cash is one smaller payment. The annuity pays the full jackpot yearly: 30 years for Powerball and Mega Millions; 20 years for Megabucks.

    Surtax on income over $1 million 

    Massachusetts adds a 4% surtax on taxable income over $1,107,750 for 2026, so the part of a large prize above that is taxed at 9%. The threshold rises with inflation each year.

    Nonresidents 

    Winners who live outside Massachusetts still owe Massachusetts income tax on Massachusetts Lottery prizes, including multi-state games like Powerball bought in Massachusetts.

    Reviewed by Bishop Woosley, former Director of the Arkansas Scholarship Lottery and NASPL President.

    You can't change the lottery's odds.
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    The best Massachusetts scratch-offs right now have up to x135 better jackpot odds for $50K to $5M+ jackpots.

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    More Massachusetts Lottery Help

    What each game pays, the best scratch-offs, and taxes in other states.

    Frequently Asked Questions

    Answers about the Massachusetts Lottery

    Does Massachusetts tax lottery winnings?
    Yes. Massachusetts taxes lottery winnings at 5%, and federal income tax applies too.
    What is the Massachusetts lottery tax rate?
    Massachusetts taxes lottery winnings at 5%, on top of federal income tax. 5% state tax is withheld from prizes over $600, plus 24% federal tax from prizes over $5,000; smaller prizes are paid in full.
    How much tax do you pay on a $1,000 lottery ticket in Massachusetts?
    The Massachusetts Lottery withholds $50 and pays you $950. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Massachusetts taxes it too, at 5%.
    How much tax do you pay on a $10,000 lottery ticket in Massachusetts?
    The Massachusetts Lottery withholds $2,900 and pays you $7,100. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Massachusetts taxes it too, at 5%.
    How much tax do you pay on $1 million in lottery winnings in Massachusetts?
    The Massachusetts Lottery withholds $290,000 and pays you $710,000. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Massachusetts taxes it too, at 5%.
    How much are lottery winnings taxed?
    Lottery winnings are taxed as income. Federal rates run from 10% to 37%, and in 2026 the top rate starts at $640,600 for a single filer and $768,700 for a married couple filing jointly. What's withheld when you're paid is a down payment: on a large prize, you'll likely owe more when you file.
    Do you get a W-2G for lottery winnings?
    Yes, for prizes of $2,000 or more: the lottery reports them to the IRS on Form W-2G. The threshold was $600 before 2026. Smaller prizes are still taxable income you report.
    How much is the Powerball jackpot after taxes in Massachusetts?
    The next Powerball jackpot is an estimated $538 million, or $220.6 million as one cash payment. After federal tax and Massachusetts's 5%, the cash leaves a single winner about $128 million. Taken as 30 yearly payments, it pays about $313.5 million after taxes in all.
    How much is the Mega Millions jackpot after taxes in Massachusetts?
    The next Mega Millions jackpot is an estimated $385 million, or $154.8 million as one cash payment. After federal tax and Massachusetts's 5%, the cash leaves a single winner about $89.8 million. Taken as 30 yearly payments, it pays about $224.8 million after taxes in all.
    How much is the Megabucks jackpot after taxes in Massachusetts?
    The next Megabucks jackpot is an estimated $1.7 million, or $1 million as one cash payment. After federal tax and Massachusetts's 5%, the cash leaves a single winner about $647,000.
    What is the difference between the cash option and the annuity?
    The cash option is one payment, smaller than the advertised jackpot: the next Powerball jackpot's is 41% of it, all taxed in one year. The annuity pays the full jackpot in 30 yearly payments, each 5% larger than the last, each taxed in the year it's paid. In Massachusetts, you choose within 60 days of the drawing.
    Are scratch-off winnings taxed in Massachusetts?
    Yes, the same as draw game prizes: scratch-off winnings are taxable income, and 5% state tax is withheld from prizes over $600, plus 24% federal tax from prizes over $5,000. Massachusetts taxes them at 5%.

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