Montana (MT) Lottery
Tax & Payout Calculator

Yes. Montana taxes lottery winnings at up to 5.65%, and federal income tax applies too.

Montana taxes lottery winnings at up to 5.65%, on top of federal income tax. 24% federal and 5.9% state tax are withheld from prizes over $5,000; smaller prizes are paid in full. Without a valid Social Security number, 24% federal tax is withheld from prizes of $2,000 or more, plus 5.9% state tax from prizes over $5,000. For a winner who isn't a U.S. citizen or resident, 30% federal tax is withheld from prizes of $600 or more, plus 5.9% state tax from prizes over $5,000.

Nothing is withheld: the Montana Lottery pays the full $1,000. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Montana taxes it too, at up to 5.65%.

The Montana Lottery withholds $2,990 and pays you $7,010. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Montana taxes it too, at up to 5.65%.

The Montana Lottery withholds $299,000 and pays you $701,000. The prize is still taxable income, taxed at your federal rate when you file: from 10% to 37%, depending on your income. Montana taxes it too, at up to 5.65%.

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.

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.

The next Powerball jackpot is an estimated $538 million, or $220.6 million as one cash payment. After federal tax and Montana's 5.65%, the cash leaves a single winner about $126.6 million. Taken as 30 yearly payments, it pays about $310 million after taxes in all.

The next Mega Millions jackpot is an estimated $385 million, or $154.8 million as one cash payment. After federal tax and Montana's 5.65%, the cash leaves a single winner about $88.8 million. Taken as 30 yearly payments, it pays about $222.3 million after taxes in all.

The next Lotto America jackpot is an estimated $2.2 million, or $880,000 as one cash payment. After federal tax and Montana's 5.65%, the cash leaves a single winner about $555,000.

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 Montana, you choose within 60 days of claiming the prize.

Yes, the same as draw game prizes: scratch-off winnings are taxable income, and 24% federal and 5.9% state tax are withheld from prizes over $5,000. Montana taxes them at up to 5.65%.