Now on iOS · April 2026

The advertised jackpot is $825 million

Powerball
Mega Millions
Hypothetical Advertised Jackpot
$825,000,000
Cash option $385,300,000 · Indiana · Marion County
Federal · 37%
24% withheld + 13% at filing
−$142.6M
Indiana State · 2.95%
Flat state income tax
−$11.4M
Marion County · 2.02%
Owed at filing — not withheld
−$7.8M
Your Take Home
73% of the advertised figure is gone
$223M
Data · Lottery-Dreams

Your real take‑home is $223 million.

Every other lottery app repeats the headline. Lottery Dreams calculates the actual number — after federal, state, and local taxes — for all 50 states. Then it helps you plan the dream.

★★★★★ Built for the 62 million Americans who only play when the jackpot gets big.
Covering 50 states + DC
Handling 7 tax scenarios
Tracking Powerball + Mega Millions
Built for Dream buyers
① The Tax Calculator

Know the real number. For every state.

Advertised jackpots are before anything. Before federal withholding. Before the extra 13% you owe at filing. Before state tax. Before county and city tax. We calculate all of it — tap any line to see why.

  • All 50 states + DC, updated for 2026 tax brackets
  • Auto‑detects your state and county from location
  • Handles the 7 messy scenarios — exempt states, withholding gaps, local surtaxes
  • Shows withheld vs. owed so you know what you'll write at filing
Try it free →
Powerball cash option · Indiana · Marion County
$385M
Cash Option
$223M
Take Home
🏛
Federal Taxes
24% withholding + 13% additional
37% −$142.6M
24% Federal Withholding−$92,472,000
13% Additional at filing−$50,089,000
🗺
Indiana State Tax
2.95% flat · withheld at claim
2.95% −$11.4M
🏙
Marion County
2.02% · owed at filing, not withheld
2.02% −$7.8M
💵
Take Home
After all federal, state, local
$223M
Tax Impact
42% of the cash option paid in taxes. Marion County's 2.02% is $7.8M you'd owe at filing — most apps miss it.
Tax‑Free: CA
FL
TX
WA
IN · 2.95% + county
NY · 14.78%
NJ · 10.75%
+43 more
② The Dream Plan

Plan the dream before it happens.

Allocate your take‑home across the categories that matter — family, house, travel, charity, invest — and watch the donut fill in real dollar amounts. Every dream, given a budget. Every slice, editable.

  • Live donut chart auto‑updates with the current jackpot
  • Tap any slice to see the exact dollar amount
  • Add custom categories — validate that the pie equals 100%
  • Generate a shareable image with one tap on the donut center
Start your plan →
9:41 ● ● ● 100%
Your Plan
Dream Portfolio
Based on $223M take‑home
$223M TAKE HOME
● Family35%$78M
● House20%$45M
● Invest20%$45M
● Travel15%$33M
● Charity10%$22M
Share Plan
Edit
③ Rate of Change

Read the signal. Know when the jackpot is about to pop.

The jackpot never grows evenly. Watch how much it's jumping per draw since the last winner — and you'll know when smart money starts paying attention.

  • Dual‑axis chart: jackpot line + per‑draw increase bars
  • Color‑coded bars: green ≤$15M, orange $16–20M, gold $21–25M, red $26M+
  • Dashed average line shows when a draw beat the trend
  • Resets automatically on each winner — always current
See the data →

Growth Overview

18 consecutive rollovers
Powerball
Jackpot Avg Per‑Draw Δ
$825M $2B $1.5B $1B $500M $0
≤$15M $16–20M $21–25M $26M+
The full toolkit

Everything the dream buyer needs.

Three headline tools — plus the share moment that turns one dream into a group dream.

📊

Live Jackpot Dashboard

Powerball and Mega Millions, current jackpot and cash value, with a live countdown to your state's ticket cutoff time.

📍

State‑Aware, Auto

Detects your state the first time you open the app. Applies the correct tax rate and cutoff time. No forms. No settings menu.

🎟

My Tickets

Log the numbers you played. The app checks them against the winning numbers automatically after every draw.

📜

Past Jackpots

Historical drawings, winners, and patterns. The data layer under the rate‑of‑change chart.

💬

Share the dream

One tap on the donut center generates a beautiful share card — “If I win $223M, here's how I'd spend it.” Drop it in the family group chat. Watch the replies fly in.

📈

Investment AnalyzerSoon

Tools to help you grow a windfall — or do your best with what you've already got.

Why we built this

Because every other lottery app lies to you.

They show you the billboard number. We show you the bank number.

Other lottery apps

  • Repeat the advertised jackpot unchanged
  • Ignore the 13% owed at federal filing
  • Use a single national tax estimate
  • No county or city tax awareness
  • Tell you you're one of 292 million — in big numbers
  • Feel like a vending machine

Lottery Dreams

  • Calculates your actual take‑home, every state
  • Withholding vs. owed, line by line
  • Seven distinct tax scenarios, the right one for you
  • Auto‑detects county and city surtaxes
  • Turns the number into a plan, a chart, a share
  • Looks and feels like a Bloomberg terminal for dream buyers
Dream smarter

Know your real take‑home.
Plan the dream. Read the signal.

Free to download. No account required. Works the first time you open it.

Android · Coming soon
From the Blog

Notes from building Lottery Dreams.

Read the blog →
Tax Math

The advertised jackpot is fiction. Here's the real number.

$825M on the billboard. $223M in the bank. Walking through every dollar in between.

8 min read·April 21, 2026
Engineering

Modeling 50 states of lottery tax law without losing our minds.

Seven weird scenarios, one flat file, and the single question that mattered more than any other.

11 min read·April 21, 2026
Product

Why we chose $2.99/month over advertising — and don't regret it.

The thesis behind a clean, private, subscription-only tool in a category overrun by ads.

7 min read·April 21, 2026