Big Money Pay Day is a $20 scratch-off lottery ticket from the Michigan Lottery. It has overall odds of 1 in 3.65, meaning roughly 1 in every 4 tickets wins a prize. The expected value is $0.78 per $1 spent, which is an above-average return compared to other scratch-offs. The top prize is $2,000,000. Most prizes are still available (100% remaining). ScratchCheck rates this ticket 87/100 (Excellent) based on expected value, prize quality, win frequency, and inventory health.
Overall Odds
1 in 3.65
Exp. Value
$0.78
per $1 spent
Top Prize
$2,000,000
Top Prizes Left
3
Prizes Remaining
100%
ValueScore™
87 / 100
Excellent
Should I Buy This Ticket?
Expected value per $1 spent:
$0.78↑
ABOVE AVERAGE
Strong overall value, among the better games we track right now.
Why
- Healthy inventory: a large share of this game's prizes are still unclaimed.
- Strong prize quality: a healthy share of the bigger top and mid-tier prizes are still unclaimed.
- Expected value of $0.78 per $1 is above average. More of each dollar comes back as prizes than most games.
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Run a virtual scratch-off using this game's real odds.
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.
Prize Pool Analysis
Total Payout at Launch
$100,531,360
Current Prize Pool
$100,340,080
Payout Percentage
99.8%
Total Prizes Remaining
1,755,845
Ticket Statistics
Total Tickets Printed
6,422,098
Estimated Remaining
6,408,834
% Remaining
99.8%
Prize pool figures use advertised prize values. Tickets printed and remaining are estimated from overall odds and the share of prizes still unclaimed.
Prize Breakdown
| Prize | Total | Left | Status |
|---|---|---|---|
| $2,000,000 | 3 | 3 | 100% |
| $10,000 | 14 | 14 | 100% |
| $2,000 | 213 | 213 | 100% |
| $500 | 1,772 | 1,770 | 100% |
| $300 | 3,199 | 3,194 | 100% |
| $200 | 65,030 | 64,911 | 100% |
| $100 | 406,204 | 405,353 | 100% |
| $50 | 320,833 | 320,171 | 100% |
| $30 | 320,739 | 320,051 | 100% |
| $20 | 641,472 | 640,165 | 100% |
ValueScore™ Breakdown
87
VALUESCORE
Excellent
87
out of 100
Expected Value
Prize Quality
Win Frequency
Inventory Health
Updated: 7/9/2026
Game Details
- State
- Michigan
- Game Number
- 0759
- Ticket Price
- $20
- Start Date
- 7/7/2026
- Payout %
- 78.3%
- Data Source
- Official
- Last Updated
- 7/9/2026
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View on Michigan Lottery ↗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 87/100. 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, 100% of all prize tickets remain (approximately 1,755,845 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 87 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. This is a newly released game, so the full prize pool is effectively intact.
How often is Big Money Pay Day data updated on ScratchCheck?
Big Money Pay Day data is collected directly from official Michigan Lottery publications by ScratchCheck's automated pipeline. Prize counts and odds typically refresh daily or whenever the lottery publishes new data.