Lottery Trust Fund Calculator

What does a jackpot look like in one hundred years?

Model exactly how a lottery prize, placed in an irrevocable trust, distributes wealth across four generations of your family — every year, every state, to the dollar.

States & territories

Generations

100

Year projection

2026

Tax brackets

Full marginal state tax brackets 7-bracket 2026 IRS schedule Lump sum vs annuity Not financial advice

Inputs

Dashboard

Family tree

Lump sum vs annuity

Lottery details

Advertised jackpot ($)

Cash equivalent ($)~45–55% of jackpot

Federal withholding (%)

Payment type

One-time setup costs ($)

State of residence

Trust assumptions

Annual return (%)

Management fees (%)

Inflation (%)

Distribution rate (%)2–4% typical

Income mix

Trust outside CA / no state tax Yes = trust sited in Nevada/SD/WY — specialist legal advice required

Federal tax treatment Individual = 7-bracket 2026 IRS schedule (10–37%)

Beneficiaries

Winner name

Winner year of birth

Partner year of birthLeave blank if none

Life expectancy (years)

Children scenario

Child birth years

Child 1 born

Child 2 born

Child 3 born (if applicable)

◈

Enter your inputs and calculate to see the 100-year wealth projection

◈

Calculate first to see the full generational family tree

◈

Calculate first to compare lump sum vs annuity