At $20 a ticket, LADY LUCK comes from the Indiana Lottery. Its published overall odds are 1 in 3.75. Dollar for dollar, it pays back around $0.73 per $1, an average return for a scratch-off. The top prize is $500,000. Across every tier, 55% of prizes are still out there: about half the prizes remain. Its ValueScore is 63/100 (Good). Against the rest of the state it is #16 of 59 in Indiana, better than about 75% of the state's games. At its own price point it is 7th of the 10 active $20 games in Indiana.
Overall Odds
1 in 3.75
Exp. Value
$0.73
per $1 spent
Top Prize
$500,000
Top Prizes Left
1
Prizes Remaining
55%
ValueScore™
63 / 100
Good
Should I Buy This Ticket?
Expected value per $1 spent:
$0.73↑
ABOVE AVERAGE
It is 7th of the 10 active $20 games in Indiana, with better-than-average value overall.
Why
↑Little of the prize pool has been drained so far.
- At $0.73 back per $1, the return here is middle-of-the-road for this price point.
- At 1 in 3.75 overall odds, prizes land more often than in most games.
Current Prize Odds
ScratchCheck estimate$500,000
1 of 3 left
launch odds 1 in 1.1M
now ~1 in 1.9M
$5,000
21 of 56 left
launch odds 1 in 61K
now ~1 in 90K
$500
1,707 of 6,399 left
launch odds 1 in 536
now ~1 in 1,103
ScratchCheck estimate. Current odds are derived from the prizes still unclaimed and our estimate of tickets remaining, shown next to the lottery’s printed launch odds. Actual odds vary as tickets are sold and prizes claimed.
Prize Breakdown
| Prize | Total | Left | Status |
|---|---|---|---|
| $500,000 | 3 | 1 | 33% |
| $5,000 | 56 | 21 | 38% |
| $500 | 6,399 | 1,707 | 27% |
| $250 | 21,362 | 5,763 | 27% |
| $100 | 142,762 | 38,975 | 27% |
| $50 | 257,071 | 73,204 | 28% |
| $40 | 142,749 | 39,561 | 28% |
| $20 | 342,640 | 342,640 | 100% |
Prize Pool Analysis
Total Payout at Launch
$50,012,510
Current Prize Pool
$18,892,190
Payout Percentage
37.8%
Total Prizes Remaining
501,872
Ticket Statistics
Total Tickets Printed
3,426,840
Estimated Remaining
1,883,632
% Remaining
55.0%
Prize pool figures use advertised prize values. Tickets printed is the lottery’s published print run. Tickets remaining is estimated from the share of prizes still unclaimed.
ValueScore™ Breakdown
63
VALUESCORE
Good
63
out of 100
Expected Value
30/40
Prize Quality
7/25
Win Frequency
14/20
Inventory Health
12/15
Updated: 9/4/2026
Game Details
- State
- Indiana
- Game Number
- 2535
- Ticket Price
- $20
- Start Date
- 3/5/2024
- Payout %
- 73.0%
- Data Source
- Official
- Last Updated
- 9/4/2026
Compare
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Run a virtual scratch-off using this game's real odds.
Image Credit: Indiana Lottery
$20.00 per ticket · 1 in 3.75 overall odds
✓ Accounts for prizes already claimed
Entertainment only. Outcomes are random and won't match a real session. Current-odds mode scales each tier by remaining prizes and tickets.
Frequently Asked Questions
Is the LADY LUCK scratch-off a good buy?
LADY LUCK is a solid choice. Its ValueScore of 63/100 is above average, indicating good expected value and a healthy prize pool. It performs better than most $20 tickets in Indiana.
How much does LADY LUCK cost?
LADY LUCK costs $20 per ticket in Indiana. All ScratchCheck figures for this game (expected value, ValueScore, and top prize analysis) are calculated against this $20 ticket price.
What are the odds of winning the LADY LUCK scratch-off?
The overall odds of winning any prize with LADY LUCK are 1 in 3.75. This means roughly 1 in every 4 tickets wins a prize of any amount.
What is the top prize for LADY LUCK?
The top prize for LADY LUCK is $500,000. As of our latest update, 1 top prize remains unclaimed.
What are the prizes for LADY LUCK?
LADY LUCK offers 8 distinct prize levels: $500,000 (3 total), $5,000 (56 total), $500 (6,399 total), $250 (21,362 total), $100 (142,762 total), $50 (257,071 total), $40 (142,749 total), and $20 (342,640 total). The full prize breakdown with odds and remaining counts is listed in the prize table on this page.
How many prizes are left in LADY LUCK?
Based on our latest data, 55% of all prize tickets remain (approximately 501,872 out of 913,042 total). Roughly half the prizes remain, which is typical for an active game.
How is LADY LUCK rated by ScratchCheck?
ScratchCheck rates LADY LUCK at 63 out of 100 using ValueScore™, a composite rating built from four factors: Expected Value, Prize Quality, Win Frequency, and Inventory Health. Scores of 80 or above are Excellent, 60 to 79 Good, 40 to 59 Fair, 20 to 39 Below Average, and below 20 is Poor. The score updates automatically as prizes are claimed and data refreshes.
When was LADY LUCK released?
LADY LUCK was released by the Indiana Lottery on March 5, 2024. It has been on sale for over a year, so checking the remaining prize counts is important before buying.
How often is LADY LUCK data updated on ScratchCheck?
LADY LUCK data comes directly from the official Indiana Lottery and is refreshed daily, so the odds and remaining prize counts you see match the lottery's latest published figures.