Rhode Island State Tax on Lottery Winnings
Free Rhode Island lottery tax calculator for Powerball and Mega Millions. Rhode Island taxes lottery winnings at 5.99% (top marginal rate).
Current Powerball $516M jackpot, single filer
$121.25M
Actual take-home: 23.5% of what they advertise
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What to Know Before Claiming a Jackpot in Rhode Island
Rhode Island taxes lottery winnings at a top rate of 5.99%, which a jackpot lump sum reaches immediately. There is no real anonymity. The Lottery says it will do what it can to keep a winner's information private on request, but the state Access to Public Records Act still forces it to release a winner's full name and city or town when someone asks. You have a full year to claim, and every prize of $600 or more is handled through Lottery headquarters in Cranston. Rhode Island Lottery revenue is the state's third-largest source of income and flows into the General Fund.
- State tax rate (2026)
- 5.99% top rate, on taxable income over $186,450
- Deadline to claim
- One year from the drawing date
- Anonymity
- Not available. The Access to Public Records Act requires the Lottery to release a winner's full name and city or town of residence on request
- Where jackpots are claimed
- Through Rhode Island Lottery headquarters in Cranston for every prize of $600 or more
- What proceeds fund
- The Rhode Island General Fund, the state's third-largest revenue source, supporting tax relief, education, public safety, and human services
Sources: Rhode Island Division of Taxation: 2026 RI-1040ES (2026 Tax Rate Schedule) · Rhode Island Lottery: FAQs · Rhode Island Lottery: Rules and Regulations · Rhode Island General Laws Chapter 42-61: State Lottery
Rhode Island Lottery Winnings Tax Overview
The Rhode Island state tax on lottery winnings is 5.99%, a moderate rate near the middle of the 41 states that tax lottery payouts. Rhode Island ranks number 14 in that group. If you win a Powerball or Mega Millions prize in Rhode Island, the federal lottery tax of up to 37% applies on top of the state rate, and both reduce your lump sum cash option before the money ever reaches you. The Rhode Island lottery tax calculator above runs the full math for the current jackpot.
How the Rhode Island Lottery Payout Calculator Works
In Rhode Island, the lottery payout calculation begins with the lump sum cash option, which equals roughly 45% of the advertised jackpot. The IRS withholds 24% federal lottery tax at the moment of payout, but a Powerball or Mega Millions prize pushes the winner into the 37% top federal bracket, so additional federal tax comes due at filing. On top of that, Rhode Island taxes lottery winnings at 5.99% of the full lump sum. The lottery payout calculator above runs all of this math for you, using IRS 2026 brackets and the top marginal Rhode Island lottery tax rate.
How Rhode Island Compares to Other Lottery Tax States
Rhode Island's 5.99% lottery tax rate ranks number 14 out of 41 taxed states. States with a higher lottery tax rate than Rhode Island include Connecticut and Delaware. States with a lower rate include New Mexico and Virginia. For context, 10 states collect no lottery tax at all, which means a Powerball or Mega Millions winner in one of those states keeps an extra 5.99% of their lump sum compared to a winner in Rhode Island.
Rhode Island Lottery Tax FAQs
What is the Rhode Island state tax on lottery winnings?
Rhode Island taxes lottery winnings at a top marginal rate of 5.99%. This rate applies to the lump sum cash option from any Powerball or Mega Millions prize, and it is paid in addition to the federal lottery tax of up to 37% at the highest bracket. The lottery tax calculator above shows the exact dollar amount for any current jackpot.
Should I take the lump sum or annuity in Rhode Island?
Most Powerball and Mega Millions winners choose the lump sum cash option. In Rhode Island, both options face the same 5.99% state lottery tax rate, but the annuity spreads the tax across 30 years while the lump sum delivers the full cash value now. The lottery payout calculator above shows the lump sum after taxes; the annuity choice is a separate financial decision based on personal goals and investment return assumptions.
Does Rhode Island withhold tax on a lottery payout before payment?
The IRS withholds 24% federal lottery tax on any lottery prize above $5,000 before the winner ever sees the check. Rhode Island also withholds state tax at or near the 5.99% top rate at the moment of payout. The remaining federal balance, up to the 37% top bracket, then comes due in April when the winner files a federal return.
Can you stay anonymous if you win the lottery in Rhode Island?
No. The Rhode Island Lottery says it will do everything it can to keep a winner's information private if the winner asks, but under the state Access to Public Records Act it must still release a winner's full name and city or town of residence to anyone who requests it. A Powerball or Mega Millions jackpot winner should expect that much to become public.