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Decent valueActiveBig Money Pay Day · $20 · Michigan Lottery
Big Money Pay Day: Decent value. A $20 ticket pays back $15.86 on average.
▲ +1.0 pts vs launch#12 of 20 · $20 MI games
▲ +1.0 pts vs launch#12 of 20 · $20 MI games
Big Money Pay Day is a $20 scratch-off ticket from the Michigan state lottery. Its current expected value is 79.3%, up 1.0 percentage points from the launch value of 78.3%. 3 of the original 3 $2,000,000 top prizes are still unclaimed. Approximately 19% of the 6.4M printed tickets have been sold.
79.3%
expected return
1 in 3.65
odds of any win
3 of 3
$2M jackpots left
19%
claimed · 1.2M of 6.4M printed
Odds, in plain terms
If you bought 100 tickets today
Based on the 1,427,729 winning tickets still unclaimed.
17 win more than $20
$30 – $300, an actual profit
10 win their money back
a $20 prize, so you break even
73 win nothing
the house edge, made visible
Prizes of $500 or more hit about 1 in 3,211 tickets, so they won't show up in a batch of 100.
Value map
Where the $15.86 comes from
The average payback per ticket, split by prize size. Small wins do most of the work.
Small wins $20 – $500
$14.62 · 73.1% of price
Mid prizes $2K – $10K
$0.09 · 0.5% of price
Jackpots $2M+
$1.15 · 5.8% of price
Realistic return, jackpots set aside
73.5%
Just 3 tickets out of 5.2M carry the $2M+ prizes. This is your expected return if none of them is yours.
Most of the value pays out as
$20 – $500 wins
1,427,530 winning tickets remain in this range: 92% of total value, and the wins you'll actually see.
Claim progress
19% claimed, and the jackpots are still out there
Counting every ticket since launch, Jul 2026.
6.4M
tickets printed
1.2M
tickets claimed · 19%
5.2M
still out there
Prizes claimed over time
Claim chart needs more snapshot history
Jackpots are outlasting sales: good for buyers.
Jackpots left
100%
Tickets left
81%
100% of top prizes remain with only 81% of tickets left to claim them.
Where to buy
Michigan Lottery
At retailers statewide, or online through Jackpocket. Affiliate link: Scratchstats may earn a commission.
Rank vs $20 MI peers
#12 of 20
By expected return. Higher is better for the player.
Figures from Michigan Lottery published claim data.
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