美国彩票中奖后，奖金兑现有两种方式，中奖者可以自己选择用哪种方式兑奖。一种是一次性直接发放现金（Lump sum payout），一种是30年分期支付奖金（Annuity payout）。计算比较复杂，我们举两个例子，通过例子大家可以知道大概到手净值是什么范围。
第一个例子，如果中奖1百万美元（近7百万人民币）
| 一次性发放奖金（Lump sum payout） | 30年分期付款（Annuity payout） | 两种方式差别 | |
| 兑出奖金 | $520,000* | $1,000,000 | $480,000 |
| 联邦税 (24%) | $124,800 | $240,000 | $115,200 |
| 联邦税** (up to 37%) | $6,289 | $0 | -$6,289 |
| 州税 | $0 | $0 | $0 |
| 到手净值 | $388,912（2百70万人民币） | $760,000（5百32万人民币） | $371,089 |
* The gross payout for lump sum payment is approximated by 52% of the total lottery prize – you can alter the lump sum payout percentage in the advanced mode.
** Additional Federal Tax (tax amount based on filing status minus the withheld 24% Federal Tax).
下面是1百万美元奖金30年分期付款，每年发放的钱数情况（美元）
| Year | Gross Payment | Federal Taxes | State Taxes | 每年到手净值（Net Payment） |
|---|---|---|---|---|
| 1 | 15,051 | 3,612 | 0 | 11,439 |
| 2 | 15,804 | 3,793 | 0 | 12,011 |
| 3 | 16,594 | 3,983 | 0 | 12,612 |
| 4 | 17,424 | 4,182 | 0 | 13,242 |
| 5 | 18,295 | 4,391 | 0 | 13,904 |
| 6 | 19,210 | 4,610 | 0 | 14,600 |
| 7 | 20,170 | 4,841 | 0 | 15,329 |
| 8 | 21,179 | 5,083 | 0 | 16,096 |
| 9 | 22,238 | 5,337 | 0 | 16,901 |
| 10 | 23,350 | 5,604 | 0 | 17,746 |
| 11 | 24,517 | 5,884 | 0 | 18,633 |
| 12 | 25,743 | 6,178 | 0 | 19,565 |
| 13 | 27,030 | 6,487 | 0 | 20,543 |
| 14 | 28,382 | 6,812 | 0 | 21,570 |
| 15 | 29,801 | 7,152 | 0 | 22,649 |
| 16 | 31,291 | 7,510 | 0 | 23,781 |
| 17 | 32,855 | 7,885 | 0 | 24,970 |
| 18 | 34,498 | 8,280 | 0 | 26,219 |
| 19 | 36,223 | 8,694 | 0 | 27,530 |
| 20 | 38,034 | 9,128 | 0 | 28,906 |
| 21 | 39,936 | 9,585 | 0 | 30,351 |
| 22 | 41,933 | 10,064 | 0 | 31,869 |
| 23 | 44,029 | 10,567 | 0 | 33,462 |
| 24 | 46,231 | 11,095 | 0 | 35,135 |
| 25 | 48,542 | 11,650 | 0 | 36,892 |
| 26 | 50,970 | 12,233 | 0 | 38,737 |
| 27 | 53,518 | 12,844 | 0 | 40,674 |
| 28 | 56,194 | 13,487 | 0 | 42,707 |
| 29 | 59,004 | 14,161 | 0 | 44,843 |
| 30 | 61,954 | 14,869 | 0 | 47,085 |
第二个例子如果中奖 1亿美元（近7亿人民币）
| 一次性发放奖金（Lump sum payout） | 30年分期付款（Annuity payout） | Difference | |
| 兑出奖金 | $52,000,000* | $100,000,000 | $48,000,000 |
| 联邦税 (24%) | $12,480,000 | $24,000,000 | $11,520,000 |
| 联邦税** (up to 37%) | $6,696,523 | $11,095,675 | $4,399,153 |
| 州税 | $0 | $0 | $0 |
| 到手净值 | $32,823,478（近2.3亿人民币） | $64,904,325（近4.54亿人民币） | $32,080,848 |
* The gross payout for lump sum payment is approximated by 52% of the total lottery prize – you can alter the lump sum payout percentage in the advanced mode.
** Additional Federal Tax (tax amount based on filing status minus the withheld 24% Federal Tax).
30年分期付款，每年拿到手的情况（美元）：
| Year | Gross Payment | Federal Taxes | State Taxes | 每年到手净值（Net Payment） |
|---|---|---|---|---|
| 1 | 1,505,144 | 493,426 | 0 | 1,011,718 |
| 2 | 1,580,401 | 521,271 | 0 | 1,059,130 |
| 3 | 1,659,421 | 550,508 | 0 | 1,108,913 |
| 4 | 1,742,392 | 581,207 | 0 | 1,161,184 |
| 5 | 1,829,511 | 613,442 | 0 | 1,216,070 |
| 6 | 1,920,987 | 647,288 | 0 | 1,273,699 |
| 7 | 2,017,036 | 682,826 | 0 | 1,334,210 |
| 8 | 2,117,888 | 720,141 | 0 | 1,397,747 |
| 9 | 2,223,782 | 759,322 | 0 | 1,464,460 |
| 10 | 2,334,972 | 800,462 | 0 | 1,534,510 |
| 11 | 2,451,720 | 843,659 | 0 | 1,608,061 |
| 12 | 2,574,306 | 889,016 | 0 | 1,685,290 |
| 13 | 2,703,022 | 936,640 | 0 | 1,766,381 |
| 14 | 2,838,173 | 986,646 | 0 | 1,851,526 |
| 15 | 2,980,081 | 1,039,153 | 0 | 1,940,929 |
| 16 | 3,129,085 | 1,094,284 | 0 | 2,034,801 |
| 17 | 3,285,540 | 1,152,172 | 0 | 2,133,367 |
| 18 | 3,449,817 | 1,212,955 | 0 | 2,236,862 |
| 19 | 3,622,307 | 1,276,776 | 0 | 2,345,531 |
| 20 | 3,803,423 | 1,343,789 | 0 | 2,459,634 |
| 21 | 3,993,594 | 1,414,152 | 0 | 2,579,442 |
| 22 | 4,193,274 | 1,488,034 | 0 | 2,705,240 |
| 23 | 4,402,937 | 1,565,609 | 0 | 2,837,328 |
| 24 | 4,623,084 | 1,647,064 | 0 | 2,976,020 |
| 25 | 4,854,238 | 1,732,591 | 0 | 3,121,648 |
| 26 | 5,096,950 | 1,822,394 | 0 | 3,274,556 |
| 27 | 5,351,798 | 1,916,688 | 0 | 3,435,110 |
| 28 | 5,619,388 | 2,015,696 | 0 | 3,603,692 |
| 29 | 5,900,357 | 2,119,655 | 0 | 3,780,702 |
| 30 | 6,195,375 | 2,228,811 | 0 | 3,966,564 |