What you’d actually keep if you won the jackpot

After federal and state tax, for where you live.

Powerball

$674,000,000

Cash $289,100,000

Next Sat, Oct 24, 10:59 PM EDT

Mega Millions

$443,000,000

Cash $186,500,000

Next Tue, Oct 27, 11:00 PM EDT

Where you live

Based on your location

Powerball

Lump sum

Amount You Keep Sat, Oct 24 drawing

$174,232,750

Cash option, paid once

See the math

60.3% of the cash value, after the final tax bill

Gross: $289,100,000
Federal income tax: −$106,917,000
Ohio, 2.75%: −$7,950,250
Amount you keep: $174,232,750

After withholding, the check is $211,765,750. About $37,533,000 more is due when you file, which brings you to the $174,232,750 you keep.

Federal: the lottery withholds 24%, $69,384,000. The full bill at 2026 tax brackets is $106,917,000, so another $37,533,000 is owed when you file.

Ohio: $7,950,250 withheld against a $7,950,250 bill.

Annuity

Amount You Keep Sat, Oct 24 drawing

$407,584,991

30 yearly payments

See the math

60.5% of the full annuity, after the final tax bill

Gross, all 30 payments: $674,000,000
Federal income tax, 30 tax years: −$247,880,009
Ohio, 2.75%: −$18,535,000
Amount you keep: $407,584,991

After withholding, the 30 checks add up to $493,705,000. About $86,120,009 more is due across your 30 tax returns, which brings you to the $407,584,991 you keep.

Federal: the lottery withholds 24%, $161,760,000. The full bill at 2026 tax brackets is $247,880,009, so another $86,120,009 is owed across your 30 tax returns.

Ohio: $18,535,000 withheld against a $18,535,000 bill.

See the 30-year payment plan

First check, after tax: $6,162,162
Last check, after tax: $25,208,487

Year 1 payment (paid when you claim)

Gross: $10,144,667
Federal tax: −$3,703,527
State tax: −$278,978
You receive: $6,162,162

You receiveTaxesTap a bar to see that year.

Year-by-year payment plan
Year	Gross Payment	Federal Tax	State Tax	Net You Receive
1	$10.14M$10,144,667	$3.70M$3,703,527	$279K$278,978	$6.16M$6,162,162
2	$10.65M$10,651,901	$3.89M$3,891,204	$293K$292,927	$6.47M$6,467,770
3	$11.18M$11,184,496	$4.09M$4,088,264	$308K$307,574	$6.79M$6,788,658
4	$11.74M$11,743,720	$4.30M$4,295,177	$323K$322,952	$7.13M$7,125,591
5	$12.33M$12,330,906	$4.51M$4,512,435	$339K$339,100	$7.48M$7,479,371
6	$12.95M$12,947,452	$4.74M$4,740,557	$356K$356,055	$7.85M$7,850,840
7	$13.59M$13,594,824	$4.98M$4,980,085	$374K$373,858	$8.24M$8,240,881
8	$14.27M$14,274,566	$5.23M$5,231,590	$393K$392,551	$8.65M$8,650,425
9	$14.99M$14,988,294	$5.50M$5,495,669	$412K$412,178	$9.08M$9,080,447
10	$15.74M$15,737,709	$5.77M$5,772,953	$433K$432,787	$9.53M$9,531,969
11	$16.52M$16,524,594	$6.06M$6,064,100	$454K$454,426	$10.01M$10,006,068
12	$17.35M$17,350,824	$6.37M$6,369,805	$477K$477,148	$10.50M$10,503,871
13	$18.22M$18,218,365	$6.69M$6,690,795	$501K$501,005	$11.03M$11,026,565
14	$19.13M$19,129,283	$7.03M$7,027,835	$526K$526,055	$11.58M$11,575,393
15	$20.09M$20,085,747	$7.38M$7,381,727	$552K$552,358	$12.15M$12,151,662
16	$21.09M$21,090,035	$7.75M$7,753,313	$580K$579,976	$12.76M$12,756,746
17	$22.14M$22,144,536	$8.14M$8,143,479	$609K$608,975	$13.39M$13,392,082
18	$23.25M$23,251,763	$8.55M$8,553,153	$639K$639,423	$14.06M$14,059,187
19	$24.41M$24,414,351	$8.98M$8,983,310	$671K$671,395	$14.76M$14,759,646
20	$25.64M$25,635,069	$9.43M$9,434,976	$705K$704,964	$15.50M$15,495,129
21	$26.92M$26,916,822	$9.91M$9,909,224	$740K$740,213	$16.27M$16,267,385
22	$28.26M$28,262,663	$10.41M$10,407,186	$777K$777,223	$17.08M$17,078,254
23	$29.68M$29,675,797	$10.93M$10,930,045	$816K$816,084	$17.93M$17,929,668
24	$31.16M$31,159,586	$11.48M$11,479,047	$857K$856,889	$18.82M$18,823,650
25	$32.72M$32,717,566	$12.06M$12,055,500	$900K$899,733	$19.76M$19,762,333
26	$34.35M$34,353,444	$12.66M$12,660,775	$945K$944,720	$20.75M$20,747,949
27	$36.07M$36,071,116	$13.30M$13,296,313	$992K$991,956	$21.78M$21,782,847
28	$37.87M$37,874,672	$13.96M$13,963,629	$1.04M$1,041,553	$22.87M$22,869,490
29	$39.77M$39,768,406	$14.66M$14,664,310	$1.09M$1,093,631	$24.01M$24,010,465
30	$41.76M$41,756,826	$15.40M$15,400,026	$1.15M$1,148,313	$25.21M$25,208,487
Total	$674.00M$674,000,000	$247.88M$247,880,009	$18.54M$18,535,000	$407.58M$407,584,991

The year 1 payment arrives when you claim, then one a year for 29 more years, each 5% larger than the last. The 30 gross payments add up to the advertised jackpot; the lotteries round each check down to the nearest $1,000, so real checks can be a little smaller. Each payment is taxed as its own year: 2026 federal brackets for a single filer with no other income, after the standard deduction, and today’s state rules. Future tax law and inflation adjustments will change the exact figures.

The smart move

Net worth over 30 years if you invest every after-tax dollar.*

Yearly growth

After 30 years at 7%

Lump sum ~$1.3B vs Annuity ~$1.1B

Lump sum comes out ahead by $245M. The annuity never catches up.

Tap or drag the chart to see any year.

Powerball net worth by year at 7% growth
Year	Lump sum	Annuity
0	$174M	$6.2M
5	$244M	$49M
10	$343M	$121M
15	$481M	$236M
20	$674M	$416M
25	$946M	$692M
30	$1.3B	$1.1B

* Assumes the lump sum is invested on day one and each annuity check is invested the year it arrives (first check now, last in year 29), all growing a steady 7% a year. 7% is roughly the long-run average for a diversified stock portfolio before inflation. No spending, no tax on investment gains, no inflation adjustment. Real markets swing and can lose money in any year; the annuity checks are guaranteed. If you die early, the remaining annuity payments go to your estate. An illustration, not financial advice.

Mega Millions

Lump sum

Amount You Keep Tue, Oct 27 drawing

$112,416,250

Cash option, paid once

See the math

60.3% of the cash value, after the final tax bill

Gross: $186,500,000
Federal income tax: −$68,955,000
Ohio, 2.75%: −$5,128,750
Amount you keep: $112,416,250

After withholding, the check is $136,611,250. About $24,195,000 more is due when you file, which brings you to the $112,416,250 you keep.

Federal: the lottery withholds 24%, $44,760,000. The full bill at 2026 tax brackets is $68,955,000, so another $24,195,000 is owed when you file.

Ohio: $5,128,750 withheld against a $5,128,750 bill.

Annuity

Amount You Keep Tue, Oct 27 drawing

$268,407,493

30 yearly payments

See the math

60.6% of the full annuity, after the final tax bill

Gross, all 30 payments: $443,000,000
Federal income tax, 30 tax years: −$162,410,007
Ohio, 2.75%: −$12,182,500
Amount you keep: $268,407,493

After withholding, the 30 checks add up to $324,497,500. About $56,090,007 more is due across your 30 tax returns, which brings you to the $268,407,493 you keep.

Federal: the lottery withholds 24%, $106,320,000. The full bill at 2026 tax brackets is $162,410,007, so another $56,090,007 is owed across your 30 tax returns.

Ohio: $12,182,500 withheld against a $12,182,500 bill.

See the 30-year payment plan

First check, after tax: $4,067,341
Last check, after tax: $16,585,922

Year 1 payment (paid when you claim)

Gross: $6,667,786
Federal tax: −$2,417,081
State tax: −$183,364
You receive: $4,067,341

You receiveTaxesTap a bar to see that year.

Year-by-year payment plan
Year	Gross Payment	Federal Tax	State Tax	Net You Receive
1	$6.67M$6,667,786	$2.42M$2,417,081	$183K$183,364	$4.07M$4,067,341
2	$7.00M$7,001,175	$2.54M$2,540,435	$193K$192,532	$4.27M$4,268,208
3	$7.35M$7,351,234	$2.67M$2,669,957	$202K$202,159	$4.48M$4,479,118
4	$7.72M$7,718,795	$2.81M$2,805,954	$212K$212,267	$4.70M$4,700,574
5	$8.10M$8,104,735	$2.95M$2,948,752	$223K$222,880	$4.93M$4,933,103
6	$8.51M$8,509,972	$3.10M$3,098,690	$234K$234,024	$5.18M$5,177,258
7	$8.94M$8,935,471	$3.26M$3,256,125	$246K$245,725	$5.43M$5,433,621
8	$9.38M$9,382,244	$3.42M$3,421,431	$258K$258,012	$5.70M$5,702,801
9	$9.85M$9,851,356	$3.60M$3,595,002	$271K$270,912	$5.99M$5,985,442
10	$10.34M$10,343,924	$3.78M$3,777,252	$284K$284,458	$6.28M$6,282,214
11	$10.86M$10,861,120	$3.97M$3,968,615	$299K$298,681	$6.59M$6,593,824
12	$11.40M$11,404,176	$4.17M$4,169,545	$314K$313,615	$6.92M$6,921,016
13	$11.97M$11,974,385	$4.38M$4,380,523	$329K$329,296	$7.26M$7,264,566
14	$12.57M$12,573,104	$4.60M$4,602,049	$346K$345,760	$7.63M$7,625,295
15	$13.20M$13,201,760	$4.83M$4,834,651	$363K$363,048	$8.00M$8,004,061
16	$13.86M$13,861,848	$5.08M$5,078,884	$381K$381,201	$8.40M$8,401,763
17	$14.55M$14,554,940	$5.34M$5,335,328	$400K$400,261	$8.82M$8,819,351
18	$15.28M$15,282,687	$5.60M$5,604,594	$420K$420,274	$9.26M$9,257,819
19	$16.05M$16,046,821	$5.89M$5,887,324	$441K$441,288	$9.72M$9,718,209
20	$16.85M$16,849,162	$6.18M$6,184,190	$463K$463,352	$10.20M$10,201,620
21	$17.69M$17,691,621	$6.50M$6,495,900	$487K$486,520	$10.71M$10,709,201
22	$18.58M$18,576,202	$6.82M$6,823,195	$511K$510,846	$11.24M$11,242,161
23	$19.51M$19,505,012	$7.17M$7,166,855	$536K$536,388	$11.80M$11,801,769
24	$20.48M$20,480,262	$7.53M$7,527,697	$563K$563,207	$12.39M$12,389,358
25	$21.50M$21,504,275	$7.91M$7,906,582	$591K$591,368	$13.01M$13,006,325
26	$22.58M$22,579,489	$8.30M$8,304,411	$621K$620,936	$13.65M$13,654,142
27	$23.71M$23,708,464	$8.72M$8,722,132	$652K$651,983	$14.33M$14,334,349
28	$24.89M$24,893,887	$9.16M$9,160,738	$685K$684,582	$15.05M$15,048,567
29	$26.14M$26,138,581	$9.62M$9,621,275	$719K$718,811	$15.80M$15,798,495
30	$27.45M$27,445,512	$10.10M$10,104,840	$755K$754,750	$16.59M$16,585,922
Total	$443.00M$443,000,000	$162.41M$162,410,007	$12.18M$12,182,500	$268.41M$268,407,493

The smart move

Net worth over 30 years if you invest every after-tax dollar.*

Yearly growth

After 30 years at 7%

Lump sum ~$856M vs Annuity ~$712M

Lump sum comes out ahead by $144M. The annuity never catches up.

Tap or drag the chart to see any year.

Mega Millions net worth by year at 7% growth
Year	Lump sum	Annuity
0	$112M	$4.1M
5	$158M	$33M
10	$221M	$80M
15	$310M	$156M
20	$435M	$274M
25	$610M	$456M
30	$856M	$712M

What You Could Buy

Tap what you’d buy with the after-tax lump sum. Prices are rough public estimates.

You have

$174,232,750

to play with

Nothing spent yet

Nothing picked

Prices are the purchase only. Upkeep counts 10% of the price a year for jets and yachts (running one often costs 10–15%) and 3% for homes and land (about 1–2% property tax plus 1% maintenance). Cash you don’t spend is assumed to earn 3.5% a year after inflation. Lifetime Income is money invested, not spent: it leaves your cash but pays about 3.5% a year (not guaranteed), so it doesn’t count toward the spending meter. Rough estimates, not advice.

Fun Lottery Facts

Tap a fact for the why and the source.

State Scratch Offs

Which scratch tickets are the best value per $1, from each lottery’s own prizes-remaining data. Every ticket still loses money on average.

% = average cents back per $1 spent, counting cash value and only the jackpots sales suggest are left · EV = average value of one ticket

State

Best-value tickets right now, by cash value per $1 · data as of Oct 24, 2026, 11:36 AM ET

#1
Lifetime Millions
$50 · Game #433
81.9%
EV $40.96
More jackpots listed than sales suggest
#2
$500,000 FRENZY
$50 · Game #553
81.4%
EV $40.72
#3
$2,000,000 50X CASHWORD 2025
$10 · Game #521
80.5%
EV $8.05
More jackpots listed than sales suggest
#4
$2,000,000 STACKED
$20 · Game #536
80.4%
EV $16.08
More jackpots listed than sales suggest
#5
$25,000,000 MEGA MONEY
$50 · Game #490
80.3%
EV $40.13

Hiding 16 nearly sold-out games (90%+ sold), whose numbers aren’t reliable: unclaimed and lost winning tickets still count as “remaining”.

See all 82 Massachusetts tickets ranked →

Estimates from public data; they may be delayed or wrong. Not affiliated with the Massachusetts State Lottery. Not advice. Every ticket loses money on average. 18+. Help: call 800-327-5050 or text GAMB to the same number; national helpline 1-800-GAMBLER.

State Scratch Offs

Which scratch tickets are the best value per $1, from each lottery’s own prizes-remaining data. Every ticket still loses money on average.

% = average cents back per $1 spent, counting cash value and only the jackpots sales suggest are left · EV = average value of one ticket