Massachusetts Lottery Tax Calculator - 5% State Tax

The Massachusetts state income tax rate on lottery winnings in 2026 is 5%. Calculate your exact take-home amount from any Massachusetts lottery game after federal and state taxes.

Massachusetts State Income Tax: 5%

In addition to federal taxes, Massachusetts residents owe 5% state tax on lottery winnings.

Winning Amount

Advertised Jackpot

Payout Type

Cash Value Factor (%)

60%

Your Take-Home (After All Taxes)

$174,000,000

Effective Tax Rate: 42.0% (Federal 37% + State 5%)

Lump Sum Amount

$300,000,000

(60% of advertised)

Fed Withholding

$72,000,000

24% immediate

Additional Federal Tax

$39,000,000

Tax gap (37% - 24%)

Massachusetts State Tax

$15,000,000

5% estimated state tax rate

Calculator inputs stay on your device (local processing).

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Lottery tax rates vary by state. Select another state below to see its lottery tax calculator.

Showing 24 states. Use the search above to find more.

Disclaimer: All calculators on this website are provided for informational and illustrative purposes only. The results do not constitute professional advice (including legal, tax, financial, medical, or other advice). Despite careful programming, we assume no liability for the accuracy, completeness, or timeliness of the results. For matters requiring professional advice, we recommend consulting an appropriate specialist (e.g., a tax advisor, lawyer, accountant, or physician).

How Massachusetts Lottery Taxes Work

This calculator uses a conservative top-bracket federal estimate (37%) and shows the typical federal withholding (24%) separately. Massachusetts taxes lottery winnings as income at 5%. The Massachusetts State Lottery commonly withholds 5% state tax on prizes over $600 and withholds federal tax (24%) when federal withholding is required.

Massachusetts Tax Calculation

Lump Sum = Advertised × 60%. Federal Tax = Lump Sum × 37%. State Tax = Lump Sum × 5%. Take-Home = Lump Sum - (Federal + State Tax).

Key Terms

Lump Sum

60% of advertised jackpot (cash value estimate)

Federal Withholding

24% taken by lottery immediately

Tax Gap

Difference between 24% withheld and 37% owed federally

State Tax

Massachusetts state income tax: 5%

Massachusetts State Income Tax Rate on Lottery Winnings 2026 Calculator

The Massachusetts state income tax rate on lottery winnings 2026 is 5%. This calculator shows you your exact after-tax take-home from Powerball, Mega Millions, and other Massachusetts lottery games, including both federal and state taxes.

Massachusetts State Tax Rate (5%)

Massachusetts generally taxes lottery winnings as income at 5%. This calculator applies 5% to the payout amount (lump sum cash value or simplified annuity total).

Massachusetts Withholding (State)

The Massachusetts State Lottery generally withholds 5% state tax on prizes over $600. Withholding is a prepayment/credit; your final tax depends on your full-year return.

Federal Tax: Withholding vs. Final

Federal withholding is commonly 24% at payout for larger prizes, but the final federal tax depends on your total taxable income and can be higher (up to 37%).

Massachusetts Lottery Tax FAQ

Q:Does Massachusetts tax lottery winnings?

Yes. Massachusetts generally includes lottery winnings in Massachusetts gross income and taxes them as income.

Q:Does the Massachusetts Lottery withhold state tax?

Yes. The Massachusetts State Lottery generally withholds 5% state tax on prizes over $600 (and may also withhold federal tax when required).

Q:Why is the calculator’s total tax higher than 24%?

Because 24% is typically federal withholding at payout, not the final federal tax. This calculator estimates final federal tax (up to 37%) plus Massachusetts state tax (5%).