Georgia Lottery
Georgia Lottery Tax Calculator
Georgia taxes lottery winnings at a flat 4.99% for 2026 after House Bill 463, and the Georgia Lottery now withholds the same 4.99% of the full prize on winnings over $5,000.
Verified · tax year 2026
Georgia prize — results
Take-home
81.8% kept of $100,000
Annuity · 30 payments
Year 1 — → year 30 —
| Cash received | $100,000 |
|---|---|
| Federal income tax | −$13,170 |
| Tax to Georgia | $0 |
| Georgia tax | −$4,990 |
| Local income tax | $0 |
| You keep | $81,840 |
| Federal withholding (24%) | −$24,000 |
|---|---|
| State withholding | −$4,990 |
| Check you receive | $71,010 |
| Still owed when you file | −$10,830 |
Data: IRS Rev. Proc. 2025-32 · state agencies, verified · what this leaves out
A mid-year rate change, applied to all of 2026
Georgia began 2026 at a flat 5.19%. HB 463 cut it to 4.99% retroactive to January 1, 2026, and the Department of Revenue told payers they could switch to the new rate from May 11, 2026. The Georgia Lottery’s withholding is set by O.C.G.A. § 48-7-101(f)(7) at the current rate on the total amount won — not just the part above $5,000.
A $100,000 prize therefore has $4,990 withheld for Georgia, which equals the $4,990 Georgia tax this calculator finds. Prizes claimed before May 11 may have been withheld at 5.19%; the difference returns as a refund when the 2026 return is filed.
Neighbors who play in Georgia
Georgia sells tickets to residents of Alabama, which has no lottery, and to visitors from Florida, Tennessee and the Carolinas. Georgia’s claim rules do not exempt them from the 4.99% withholding. Floridians and Tennesseans have no home income tax to set it against, so for them it is simply the cost of a Georgia win; residents of income-tax states need to check whether their home return allows a credit for it.
Georgia at a glance
| State income tax on winnings | Up to 4.99% |
|---|---|
| Rate table used | 2026 (HB 463) |
| Lottery | Georgia Lottery |
| State withholding at claim | 4.99% over $5,000 |
What Georgia winners should know
- HB 463 cut Georgia’s flat rate from 5.19% to 4.99% retroactive to January 1, 2026, and the Lottery’s withholding moved to the same 4.99%.
- Georgia withholds on the total amount won, not on the amount above $5,000.
Georgia sources
- 2026 Employer’s Tax Guide (updated September 2026) — Georgia Department of Revenue
Agency: Georgia Department of Revenue. † read through a browser session (why). How the math works.
Neighboring states
Alabama · Florida · North Carolina · South Carolina · Tennessee