Lotto Dreams · Winnings Planner
You just won $500,000,000 Now what?
Here's what's actually left after taxes, how much you could safely live on every year, and how much you could give away — without ever running out.
Example based on a $500M jackpot. The app runs the real math for any amount.
The reality check
What $500,000,000 actually becomes
Illustrative example only, not financial or tax advice — actual lump sum value, tax burden, and safe withdrawal rate depend on the specific lottery, your state, and your choices. Lotto Dreams models your real numbers in the app.
How it works
Three numbers most winners never actually see clearly
01
Lump sum vs. annuity, compared honestly
See the actual cash value of your jackpot against the 30-year annuity, after estimated federal and state tax, side by side — so you know which one really leaves you with more.
02
See your withdrawal play out, year by year
Set how much you want to withdraw every year, then watch how the balance moves over time — whether it lasts indefinitely, runs out by a certain age, or even keeps growing.
03
Gift money without guessing
Decide on a gift amount and instantly see how it changes your annual withdrawal for the rest of your life. No spreadsheet required.
Watch
See it in action
Video walkthroughs are on their way. Check back soon, or follow Lotto Dreams on YouTube for updates.