Illinois Lottery Tax Calculator
Calculate your take-home winnings after 4.95% Illinois state tax and federal taxes.
State Tax Rate
4.95%
Illinois Income Tax
Federal Tax Rate
24–37%
24% withheld upfront
Max Combined Rate
41.95%
Federal + state
Illinois withholds 4.95% state income tax on lottery prizes above the threshold, in addition to 24% federal withholding. Your maximum combined rate could reach 41.95%.
Enter Your Winnings
Lump sum is approximately 55% of the advertised jackpot
Your estimated take-home winnings
$360,728
After 34.41% effective tax rate
Tax Breakdown
Cash value before taxes
Winnings Distribution
Frequently Asked Questions — Illinois Lottery Taxes
How much tax do I pay on a $1 million lottery win in Illinois?
On a $1 million lottery win in Illinois, the lump sum cash value is approximately $550,000. Federal withholding is 24% ($132,000) and Illinois state tax is 4.95% ($27,225). Your estimated take-home lump sum is approximately $390,775 — though your final federal tax bill may be higher depending on your total income for the year.
Does Illinois tax lottery winnings?
Yes. Illinois taxes lottery winnings at a 4.95% state income tax rate. This is in addition to federal taxes of 24-37%. The Illinois lottery withholds state taxes automatically on prizes above the threshold.
What is the lottery tax rate in Illinois?
In Illinois, the lottery tax rate is 4.95% at the state level, plus federal taxes of 24-37%. The federal government withholds 24% upfront on prizes over $5,000. Combined, lottery winners in Illinois may pay up to 41.95% in total taxes.
Lottery Tax in Illinois
Illinois imposes a 4.95% state income tax on lottery winnings (Illinois Income Tax). This is in addition to federal taxes of up to 37%. Combined, lottery winners in Illinois may pay up to 41.95% in total taxes.
The Illinois lottery withholds state taxes automatically on prizes over a certain threshold. If you are a non-resident winner, different withholding rates may apply.
Illinois Lottery — Key Facts for Winners
Illinois applies a flat 4.95% state income tax on all lottery winnings. Illinois is one of the few states with a flat income tax rate, so lottery winnings are taxed at the same rate regardless of the prize amount. The Illinois Lottery is one of the country's highest-grossing state lotteries, and winners must account for both the 4.95% state rate and federal taxes.
Tax Sources & References
Federal withholding rates are based on IRS Topic No. 419 — Gambling Income and Losses. State tax rates are sourced from each state's department of revenue. Official Illinois lottery rules and prize information are published on the Illinois Lottery official website.
Disclaimer
This calculator provides estimates only and does not constitute tax advice. Actual tax amounts may vary based on your individual circumstances, deductions, and other income. Please consult a qualified tax professional for advice specific to your situation.