New York Lottery Tax Calculator
Calculate your take-home winnings after 10.90% New York state tax and federal taxes.
State Tax Rate
10.90%
New York Income Tax
Federal Tax Rate
24–37%
24% withheld upfront
Max Combined Rate
47.90%
Federal + state
New York withholds 10.90% state income tax on lottery prizes above the threshold, in addition to 24% federal withholding. Your maximum combined rate could reach 47.90%. New York City residents owe an additional 3.876% city income tax on top of the 10.9% state rate.
Enter Your Winnings
Lump sum is approximately 55% of the advertised jackpot
Your estimated take-home winnings
$328,003
After 40.36% effective tax rate
Tax Breakdown
Cash value before taxes
Winnings Distribution
Frequently Asked Questions — New York Lottery Taxes
How much tax do I pay on a $1 million lottery win in New York?
On a $1 million lottery win in New York, the lump sum cash value is approximately $550,000. Federal withholding is 24% ($132,000) and New York state tax is 10.90% ($59,950). Your estimated take-home lump sum is approximately $358,050 — though your final federal tax bill may be higher depending on your total income for the year.
Does New York tax lottery winnings?
Yes. New York taxes lottery winnings at a 10.90% state income tax rate. This is in addition to federal taxes of 24-37%. The New York lottery withholds state taxes automatically on prizes above the threshold. New York City residents also owe an additional 3.876% city tax.
What is the lottery tax rate in New York?
In New York, the lottery tax rate is 10.90% 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 New York may pay up to 47.90% in total taxes. NYC residents face an additional 3.876% city tax, pushing the maximum combined rate even higher.
Lottery Tax in New York
New York imposes a 10.90% state income tax on lottery winnings (New York Income Tax). This is in addition to federal taxes of up to 37%. Combined, lottery winners in New York may pay up to 47.90% in total taxes.
The New York lottery withholds state taxes automatically on prizes over a certain threshold. If you are a non-resident winner, different withholding rates may apply. New York City residents must also pay an additional 3.876% city income tax on lottery winnings.
New York Lottery — Key Facts for Winners
New York has one of the highest combined lottery tax rates in the country. The state imposes a 10.9% income tax on lottery winnings, and New York City residents face an additional 3.876% city tax on top of the state rate. This means NYC residents can face a combined rate exceeding 50% when factoring in the top federal bracket of 37%. Even non-NYC New York residents pay one of the nation's steepest state lottery 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 New York lottery rules and prize information are published on the New York 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.