A $20 scratch-off from the Michigan Lottery, Big Money Pay Day is on sale now. The printed overall odds are 1 in 3.65, so roughly one winning ticket in every 4. Every $1 spent returns about $0.78 on average, an above-average showing by scratch-off standards. The top prize is $2,000,000. By our count most prizes are still available, with 86% of all prizes unclaimed. It scores 86/100 (Excellent) on ScratchCheck's ValueScore, which weighs expected value, prize quality, win frequency, and inventory health. That makes it ahead of roughly 95% of Michigan's 108 active games, and 2nd of the 17 active $20 games in Michigan.
Overall Odds
1 in 3.65
Exp. Value
$0.78
per $1 spent
Top Prize
$2,000,000
Top Prizes Left
3
Prizes Remaining
86%
ValueScore™
86 / 100
Excellent
Should I Buy This Ticket?
Expected value per $1 spent:
$0.78↑
GREAT VALUE
It ranks ahead of roughly 95% of Michigan's 108 active games, and it is 2nd of the 17 active $20 games in Michigan.
Why
↑Little of the prize pool has been drained so far.
- The bigger prize tiers here have plenty left to win.
- Expected value of $0.78 per $1 is above average. More of each dollar comes back as prizes than most games.
Current Prize Odds
ScratchCheck estimate$2,000,000
3 of 3 left
launch odds 1 in 2.1M
now ~1 in 1.8M
$10,000
13 of 14 left
launch odds 1 in 459K
now ~1 in 422K
$2,000
188 of 213 left
launch odds 1 in 30K
now ~1 in 29K
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 |
|---|---|---|---|
| $2,000,000 | 3 | 3 | 100% |
| $10,000 | 14 | 13 | 93% |
| $2,000 | 213 | 188 | 88% |
| $500 | 1,772 | 1,514 | 85% |
| $300 | 3,199 | 2,747 | 86% |
| $200 | 65,030 | 55,545 | 85% |
| $100 | 406,204 | 346,702 | 85% |
| $50 | 320,833 | 274,258 | 85% |
| $30 | 320,739 | 274,386 | 86% |
| $20 | 641,472 | 549,116 | 86% |
Prize Pool Analysis
Total Payout at Launch
$100,531,360
Current Prize Pool
$86,793,100
Payout Percentage
86.3%
Total Prizes Remaining
1,504,472
Ticket Statistics
Total Tickets Printed
6,422,098
Estimated Remaining
5,491,323
% Remaining
85.5%
Prize pool figures use advertised prize values. Tickets printed is estimated from overall odds. Tickets remaining is estimated from the share of prizes still unclaimed.
ValueScore™ Breakdown
86
VALUESCORE
Excellent
86
out of 100
Expected Value
32/40
Prize Quality
24/25
Win Frequency
15/20
Inventory Health
15/15
Updated: 8/27/2026
Game Details
- State
- Michigan
- Game Number
- 0759
- Ticket Price
- $20
- Start Date
- 7/7/2026
- Payout %
- 78.3%
- Data Source
- Official
- Last Updated
- 8/27/2026
Compare
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Image Credit: Michigan Lottery
$20.00 per ticket · 1 in 3.65 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 Big Money Pay Day scratch-off a good buy?
Yes. Big Money Pay Day is an excellent buy with a ValueScore of 86/100. It ranks among the top scratch-offs available and scores highly on expected value, prize quality, win frequency, and inventory health, meaning more prizes are still available relative to how long the game has been on sale.
How much does Big Money Pay Day cost?
Big Money Pay Day costs $20 per ticket in Michigan. 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 Big Money Pay Day scratch-off?
The overall odds of winning any prize with Big Money Pay Day are 1 in 3.65. This means roughly 1 in every 4 tickets wins a prize of any amount.
What is the top prize for Big Money Pay Day?
The top prize for Big Money Pay Day is $2,000,000. As of our latest update, 3 top prizes remain unclaimed.
What are the prizes for Big Money Pay Day?
Big Money Pay Day offers 10 distinct prize levels: $2,000,000 (3 total), $10,000 (14 total), $2,000 (213 total), $500 (1,772 total), $300 (3,199 total), $200 (65,030 total), $100 (406,204 total), $50 (320,833 total), $30 (320,739 total), and $20 (641,472 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 Big Money Pay Day?
Based on our latest data, 86% of all prize tickets remain (approximately 1,504,472 out of 1,759,479 total). The game is early in its run, with most prizes still on the market.
How is Big Money Pay Day rated by ScratchCheck?
ScratchCheck rates Big Money Pay Day at 86 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 Big Money Pay Day released?
Big Money Pay Day was released by the Michigan Lottery on July 7, 2026. It has been on sale for about 2 months.
How often is Big Money Pay Day data updated on ScratchCheck?
Big Money Pay Day data comes directly from the official Michigan Lottery and is refreshed daily, so the odds and remaining prize counts you see match the lottery's latest published figures.