Washington's Lottery
Washington Lottery Tax Calculator
Washington has no individual income tax for 2026 or 2027, but the Legislature has passed a 9.9% tax on income above $1 million that begins in 2028 — which matters for anyone choosing the annuity.
Verified · tax year 2026
Washington prize — results
Lump sum · take-home
63% kept of $180,000,000
Annuity · 30 payments
Year 1 $3,842,961 → year 30 $15,662,344
| Cash received | $180,000,000 |
|---|---|
| Federal income tax | −$66,550,000 |
| Tax to Washington | $0 |
| Washington tax | $0 |
| Local income tax | $0 |
| You keep | $113,450,000 |
| Federal withholding (24%) | −$43,200,000 |
|---|---|
| State withholding | $0 |
| Check you receive | $136,800,000 |
| Still owed when you file | $23,350,000 |
Data: IRS Rev. Proc. 2025-32 · state agencies, verified · what this leaves out
Cash now versus payments after 2028
Senate Bill 6346 creates a 9.9% tax for individuals and joint filers whose adjusted gross income exceeds $1 million, effective January 1, 2028, with the first returns due in April 2029. A $400 million Mega Millions jackpot claimed as $180 million cash in 2026 is outside it: federal tax of $66,550,000 leaves $113,450,000. The annuity’s 2028–2055 payments, each worth millions, would fall within the new tax as the Department of Revenue describes it; this calculator does not yet add it, so its annuity total of $253,499,993 is federal-only.
Oregon players across the Columbia
Washington’s Lottery withholds no state tax, which is good news for Washingtonians and a deferred bill for visitors. An Oregon resident with a $1,000,000 Washington prize owes Oregon about $97,244 at rates up to 9.9%; had the ticket been bought in Oregon, 8% would have been withheld up front. Idahoans owe Idaho’s 5.3% the same way.
Washington at a glance
| State income tax on winnings | None |
|---|---|
| Lottery | Washington's Lottery |
| State withholding at claim | None |
| Scheduled change | SB 6346 (2026) creates a 9.9% Washington income tax on adjusted gross income over $1 million beginning January 1, 2028; first returns are due in 2029. |
What Washington winners should know
- Washington has no individual income tax for 2026 or 2027, but a 9.9% tax on AGI above $1 million starts January 1, 2028 — relevant to annuity payments from that year on.
Washington sources
- Income tax — Washington Department of Revenue †
Agency: Washington Department of Revenue. † read through a browser session (why). How the math works.