How to Play Cash4Life: Complete Guide to Rules, Prizes & Odds
Cash4Life is a multi-state lottery offered in 10 states across the U.S. Northeast, Midwest, and South. Drawings are held every night at 9:00 p.m. Eastern Time. The top prize is $1,000 a day for life, and the second prize is $1,000 a week for life — paid in either guaranteed annuity payments or a one-time lump-sum cash option.
How to Play Cash4Life: Step by Step
- 1
Pick your white ball numbers
Choose five different numbers from 1 to 60.
- 2
Pick your Cash Ball number
Choose one Cash Ball number from 1 to 4.
- 3
Use Quick Pick if you prefer
Mark Quick Pick on your playslip and the terminal will randomly select all six numbers for you.
- 4
Buy your ticket
A Cash4Life ticket costs $2 per play. You can buy tickets for up to 7 consecutive drawings (varies by state).
- 5
Check the results
Drawings are held nightly at 9:00 p.m. Eastern Time. Find the latest winning numbers right here on USA Lottery Club after each draw.
Cash4Life Prize Tiers & Odds
There are 9 ways to win a Cash4Life prize. The overall odds of winning any prize are 1 in 7.76.
| Match | Prize | Odds of Winning |
|---|---|---|
| 5 white balls + Cash Ball | $1,000 a day for life | 1 in 21,846,048 |
| 5 white balls | $1,000 a week for life | 1 in 7,282,016 |
| 4 white balls + Cash Ball | $2,500 | 1 in 79,440 |
| 4 white balls | $500 | 1 in 26,480 |
| 3 white balls + Cash Ball | $100 | 1 in 1,471 |
| 3 white balls | $25 | 1 in 490 |
| 2 white balls + Cash Ball | $10 | 1 in 83 |
| 1 white ball + Cash Ball | $4 | 1 in 13 |
| Cash Ball only | $2 | 1 in 8 |
How the Cash4Life Top Prize Works
The top prize is $1,000 a day for life ($365,000 per year, guaranteed for life or 20 years — whichever is greater). The second prize is $1,000 a week for life ($52,000 per year, on the same terms). Winners may choose annuity or a one-time lump-sum cash payment instead.
- Annuity (lifetime): $1,000 every day for the rest of your life, guaranteed for a minimum of 20 years.
- Cash (Lump Sum): A single one-time payment of $7,000,000 in lieu of the lifetime annuity (or $1,000,000 for the second prize).
If multiple tickets match all six winning numbers, prizes may be paid as a one-time cash payment divided equally among winners. Check your state lottery's rules.
Cash4Life Drawing Schedule
| Day | Drawing Time (Eastern) |
|---|---|
| Every day | 9:00 p.m. ET |
Ticket sales close before each drawing — cutoff times vary by state. Check with your local lottery for exact cutoff times.
How to Claim a Cash4Life Prize
- Small prizes (typically under $600): Claim at any authorized lottery retailer.
- Prizes $600 and above: Complete a claim form and present at a lottery office or by mail.
- Top prize: Must be claimed in person at the lottery headquarters in the state where the winning ticket was purchased.
- Claim deadline: Usually 180 days to 1 year from the drawing date — varies by state.
Sign the back of your ticket immediately. All prizes must be claimed in the state where the ticket was purchased.
Cash4Life Taxes
Federal withholding
The IRS requires 24% to be withheld automatically from prizes over $5,000.
State taxes
Most participating states withhold state income tax on top prizes. Rates vary by state.
Annuity vs. lump sum taxes
Annuity payments are taxed each year you receive them. The lump-sum cash option is taxed in full in the year you receive it.
Cash4Life Quick Facts
| Ticket price | $2 per play |
| White ball range | 1–60 |
| Cash Ball range | 1–4 |
| Drawing days | Every day |
| Drawing time | 9:00 p.m. ET |
| Top prize | $1,000 a day for life |
| Second prize | $1,000 a week for life |
| Overall odds | 1 in 7.76 |
| Top prize odds | 1 in 21,846,048 |
| Ways to win | 9 |
Frequently Asked Questions
Results are unofficial. Always verify winning numbers with your official state lottery. USA Lottery Club is independent and not affiliated with Cash4Life or any state lottery.