VerCalc
US
Taxes
Lottery Tax
New York

New York Lottery Tax Calculator - 10.9% State Tax

The New York state income tax rate on lottery winnings in 2026 is 10.9%. Calculate your exact take-home amount from any New York lottery game after federal and state taxes.

New York State Income Tax: 10.9%

In addition to federal taxes, New York residents owe 10.9% state tax on lottery winnings.

Winning Amount

$

Use this only if it applies to you (e.g., city resident tax).

60%

Your Take-Home (After All Taxes)

$156,300,000
Effective Tax Rate: 47.9% (Federal 37% + State 10.9%)

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%)

New York State Tax

$32,700,000

10.9% estimated state tax rate

Withheld at payout: $26,460,000 (8.82%)

Estimated additional state due: $6,240,000

Calculator inputs stay on your device (local processing).

Find your state

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

AlabamaLottery tax calculator β†’AlaskaLottery tax calculator β†’ArizonaLottery tax calculator β†’ArkansasLottery tax calculator β†’CaliforniaLottery tax calculator β†’ColoradoLottery tax calculator β†’ConnecticutLottery tax calculator β†’DelawareLottery tax calculator β†’FloridaLottery tax calculator β†’GeorgiaLottery tax calculator β†’HawaiiLottery tax calculator β†’IdahoLottery tax calculator β†’IllinoisLottery tax calculator β†’IndianaLottery tax calculator β†’IowaLottery tax calculator β†’KansasLottery tax calculator β†’KentuckyLottery tax calculator β†’LouisianaLottery tax calculator β†’MaineLottery tax calculator β†’MarylandLottery tax calculator β†’MassachusettsLottery tax calculator β†’MichiganLottery tax calculator β†’MinnesotaLottery tax calculator β†’MississippiLottery tax calculator β†’

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).

1

How New York Lottery Taxes Work

New York State income tax is progressive (with a top rate of 10.9%). The New York Lottery withholds state tax on certain prizes (commonly referenced as 8.82% NYS withholding), and may also withhold NYC or Yonkers tax for residents. This calculator uses a conservative top-bracket estimate for NYS tax (10.9%) and separately shows withholding so you can see any estimated gap. Federal withholding is typically 24% on larger prizes, while final federal tax can be higher (up to 37%).
2

New York Tax Calculation

Lump Sum = Advertised Γ— 60%. Federal Tax = Lump Sum Γ— 37%. State Tax = Lump Sum Γ— 10.9%. 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

New York state income tax: 10.9%

New York State Income Tax Rate on Lottery Winnings 2026 Calculator

The New York state income tax rate on lottery winnings 2026 is 10.9%. This calculator shows you your exact after-tax take-home from Powerball, Mega Millions, and other New York lottery games, including both federal and state taxes.

New York State Tax (Progressive) + NYC Local

New York State tax is progressive (top rate 10.9%). New York City residents may also owe NYC resident income tax. This calculator can optionally include an NYC local estimate (3.876%) to show the combined impact.

NYS Withholding vs. Final NYS Tax

The New York Lottery may withhold state tax at payout (often referenced as 8.82% NYS withholding) and may also withhold NYC/Yonkers tax for residents. Your final NYS tax depends on your full-year income and filing details.

Federal Tax: Withholding vs. Actual Tax

Lottery prizes are subject to federal tax. Federal withholding is 24%, but your actual federal tax depends on your total taxable income and can be up to 37% at the top bracket.

New York Lottery Tax FAQ

Q:What is the New York lottery tax rate?

New York State income tax is progressive (top rate 10.9%). The New York Lottery withholds state tax on certain prizes (often referenced as 8.82% NYS withholding). NYC residents may also owe NYC resident income tax (about 3.876%), and Yonkers has an additional local component.

Q:What federal tax rate applies to lottery winnings?

Federal withholding is 24%, but your actual federal tax depends on your total taxable income and can be up to 37% at the top bracket.

Q:Lump sum vs annuity β€” which is better for taxes?

It depends. The payout choice changes the amount and timing of income, which can affect your federal tax and how much you may still owe after withholding.