Per-ticket odds are identical at every store in New York — what actually changes your odds is which game and price tier you choose. Below, every active game is ranked within its price tier by payout rate and profit chance (the probability a single ticket wins more than it cost), computed daily from remaining-prize data. Games that are 85%+ sold out are excluded.
Value in this tier decays fast once a game passes 60% sold — buy early in the run.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| Money Bags | 61.7% | 12.4% | $5,000 |
| Lucky 7s | 62.8% | 10.8% | $7,000 |
| Triple Match | 59.2% | 11.3% | $3,000 |
| Loose Change | 64.1% | 9.6% | $500 |
| 7-11-21 Tripler | 58.9% | 10.3% | $2,100 |
Value in this tier decays fast once a game passes 60% sold — buy early in the run.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| Cashword | 66.7% | 12.6% | $10,000 |
| Win It All | 62.3% | 12.8% | $25,000 |
| Bonus Blackjack | 62.2% | 12.8% | $21,000 |
| Win for Life | 63.2% | 7.5% | $1,000/WEEK/LIFE |
| Cashword Doubler | 61.7% | 11.6% | $20,000 |
Value in this tier decays fast once a game passes 60% sold — buy early in the run.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| Match 7s | 62.5% | 15.0% | $70,000 |
| Diamond Cashword | 62.6% | 13.5% | $60,000 |
| Win $60,000 | 61.3% | 14.1% | $60,000 |
| 30Xtra CASHWORD | 60.4% | 12.8% | $60,000 |
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| $1,000,000 Must Love Dogs | 70.6% | 13.3% | $50K Annual Installments |
| Money Vault Multiplier | 68.3% | 13.4% | $50K Annual Installments |
| Lady Luck 25X | 66.3% | 14.4% | $500,000 |
| Bingo Times 20 | 64.3% | 15.4% | $300,000 |
| Double Your Money | 64.3% | 19.5% | $500,000 |
This tier historically holds or improves its payout late in the run — late-life tickets are fine here.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| Bonus Bucks | 69.6% | 14.9% | $150K Annual Installments |
| 100Xtra | 72.2% | 13.4% | $150K Annual Installments |
| $3,000,000 Bonus Stars | 69.0% | 14.0% | $250K Annual Installments |
| $50 or $100 | 70.0% | 12.5% | $100 |
| Money Match | 68.8% | 13.6% | $150K Annual Installments |
This tier historically holds or improves its payout late in the run — late-life tickets are fine here.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| Mystery Multiplier | 74.7% | 17.3% | $250K Annual Installments |
| Bonus 100X | 78.8% | 17.2% | $250K Annual Installments |
| $5,000,000 Blitz | 73.9% | 16.3% | $250K Annual Installments |
| Millionaire Riches | 73.8% | 16.6% | $250K Annual Installments |
| 200Xtra | 72.0% | 17.2% | $250K Annual Installments |
This tier historically holds or improves its payout late in the run — late-life tickets are fine here.
| Game | Payout Rate | Profit Chance | Top Prize |
|---|---|---|---|
| 300X the Money | 76.9% | 27.7% | $500K Annual Installments |
| Jackpot Fortune | 81.6% | 27.4% | $500K Annual Installments |
| VIP Millions | 74.0% | 27.8% | $5,000,000 |
| $10,000,000 Cash | 76.8% | 27.4% | $500K Annual Installments |
| Ultimate Cash | 74.4% | 27.5% | $500K Annual Installments |
Higher-priced NY scratch-offs return more per dollar: $20–$30 games typically give a single ticket roughly a 1-in-4 chance of turning a profit, versus about 1-in-9 for $1 games. That does not make them "better" — it means the math rewards fewer, more expensive tickets over many cheap ones for the same total spend. Always play within your budget. For composite rankings that also weigh top-prize density and lifecycle, see the Smart Score rankings.
We grade this page against reality. Using 88 consecutive daily snapshots, we measured each game's realized window payout — actual prize value claimed divided by actual dollars spent over each 14–28 day window. Games ranked top-decile by payout rate went on to return roughly 70 cents per dollar over the next 28 days versus roughly 57 cents for bottom-decile games (rank correlation +0.57 across ~3,500 game-windows). The same study showed $1–$3 games lose payout value quickly past 60% sold while $10+ games hold or improve late in their run — guidance reflected in each tier above. Full details on the methodology page.
Profit chance recomputed during scheduled refresh cycles from the official NY Lottery prize-claim feed. Data sourced from nylottery.ny.gov and NY Open Data. Independent, non-commercial project. Play responsibly — NY Problem Gambling · 1-877-8-HOPENY.