Pennsylvania lottery tax calculator
Federal tax at your 2026 bracket (up to 37%) plus a flat 3.07%. A single filer with no other income keeps $649,299.75 of a $1,000,000 prize: $320,000.25 federal and $30,700.00 Pennsylvania tax.
Checked 2026-11-06. Sources: PA Department of Revenue: Lottery winnings; PA Personal Income Tax Guide: Gambling and lottery winnings.
Federal tax at 2026 rates plus Pennsylvania's state tax and withholding. Enter the amount you receive this year: the cash option, or one annuity payment.
21+ in most states. If gambling stops being fun, free confidential help is available 24/7: call or text 1-800-GAMBLER (National Council on Problem Gambling).
How Pennsylvania taxes lottery prizes
- Pennsylvania Lottery cash prizes have been taxed at the 3.07% personal income tax rate since 2016. Noncash prizes are not taxed.
- You can deduct the cost of lottery tickets from winnings in the same tax year.
- Prizes from multistate games such as Powerball are taxed only for Pennsylvania residents.
The Pennsylvania Lottery withholds 3.07% PA income tax on prizes over $5,000.
Take-home by prize size in Pennsylvania
| Prize | Federal tax | PA tax | Withheld at claim | Take-home |
|---|---|---|---|---|
| $10,000.00 | $0.00 | $307.00 | $2,707.00 | $9,693.00 |
| $100,000.00 | $13,170.00 | $3,070.00 | $27,070.00 | $83,760.00 |
| $1,000,000.00 | $320,000.25 | $30,700.00 | $270,700.00 | $649,299.75 |
| $10,000,000.00 | $3,650,000.25 | $307,000.00 | $2,707,000.00 | $6,042,999.75 |
| $100,000,000.00 | $36,950,000.25 | $3,070,000.00 | $27,070,000.00 | $59,979,999.75 |
Single filer, no other income, federal standard deduction and 2026 brackets. Local (city or county) taxes are not included.
Questions
How much tax do you pay on lottery winnings in Pennsylvania?
Federal tax at your 2026 bracket (up to 37%) plus a flat 3.07%. A single filer with no other income keeps $649,299.75 of a $1,000,000 prize: $320,000.25 federal and $30,700.00 Pennsylvania tax.
Does Pennsylvania withhold state tax from lottery prizes?
The Pennsylvania Lottery withholds 3.07% PA income tax on prizes over $5,000.
Is the 24% federal withholding the whole federal tax?
No. It is a down payment. Large prizes fall mostly into the 37% bracket, so the rest is due when you file.
Pennsylvania sources
- PA Department of Revenue: Lottery winnings
- PA Personal Income Tax Guide: Gambling and lottery winnings
Checked 2026-11-06. Other states: Michigan, California, Illinois, Texas, Arizona, Virginia, Oregon, Florida, Georgia, Wisconsin, Massachusetts, Colorado.
Sources
- Rev. Proc. 2025-32, section 4.01 (2026 tax rate tables) and 4.14 (standard deduction)
- IRS proposed §1.165-10, Internal Revenue Bulletin 2026-19 (90% wagering loss limit, P.L. 119-21 §70114)
- Instructions for Forms W-2G and 5754 (Rev. January 2026)
- IRS Topic no. 419, Gambling income and losses
Checked 2026-11-06. The 90% rule is law (P.L. 119-21); the IRS regulation implementing it is still proposed. Bills to restore the 100% deduction have been introduced in Congress but not passed. This is an estimate for planning, not tax advice; a tax professional can check your full return.