SET FOR LIFE is a $10 scratch-off lottery ticket from the New York Lottery. It has overall odds of 1 in 3.95, meaning roughly 1 in every 4 tickets wins a prize. The expected value is $0.74 per $1 spent, which is an average return compared to other scratch-offs. The top prize is $5,000,000. Most prizes have already been claimed (16% remaining). ScratchCheck rates this ticket 60/100 (Good) based on expected value, prize quality, win frequency, and inventory health.
Overall Odds
1 in 3.95
Exp. Value
$0.74
per $1 spent
Top Prize
$5,000 a week for life ($5,000,000 guaranteed minimum)
Top Prizes Left
2
Prizes Remaining
16%
ValueScore™
60 / 100
Good
Should I Buy This Ticket?
Expected value per $1 spent:
$0.74↑
ABOVE AVERAGE
Strong overall value, among the better games we track right now.
Why
↑At $0.74 back per $1, the return here is middle-of-the-road for this price point.
- Wins hit often: about a 25% chance to win something per ticket (1 in 3.95), better than most games.
- The prize pool is running thin, with most prizes already won.
Current Prize Odds
ScratchCheck estimate$5,000 a week for life ($5,000,000 guaranteed minimum)
2 of 6 left
launch odds 1 in 8.0M
now ~1 in 3.9M
$50,000
3 of 20 left
launch odds 1 in 2.4M
now ~1 in 2.6M
$5,000
85 of 465 left
launch odds 1 in 104K
now ~1 in 92K
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 | Odds | Total | Left | Status |
|---|---|---|---|---|
| $5,000,000 ($5,000 a week for life ($5,000,000 guaranteed minimum)) | 1 in 8,018,625 | 6 | 2 | 33% |
| $50,000 | 1 in 2,405,588 | 20 | 3 | 15% |
| $5,000 | 1 in 103,466 | 465 | 85 | 18% |
| $1,000 | 1 in 80,053 | 601 | 122 | 20% |
| $500 | 1 in 1,144 | 42,063 | 6,536 | 16% |
| $100 | 1 in 93 | 514,947 | 79,732 | 15% |
| $50 | 1 in 24 | 2,004,718 | 310,996 | 16% |
| $25 | 1 in 50 | 962,235 | 151,291 | 16% |
| $20 | 1 in 15 | 3,271,843 | 523,189 | 16% |
| $15 | 1 in 50 | 962,172 | 152,985 | 16% |
| $10 | 1 in 11 | 4,425,857 | 763,121 | 17% |
Prize Pool Analysis
Total Payout at Launch
$354,871,985
Current Prize Pool
$61,660,040
Payout Percentage
17.4%
Total Prizes Remaining
1,988,062
Ticket Statistics
Total Tickets Printed
48,130,462
Estimated Remaining
7,852,845
% Remaining
16.3%
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
60
VALUESCORE
Good
60
out of 100
Expected Value
Prize Quality
Win Frequency
Inventory Health
Updated: 8/11/2026
Game Details
- State
- New York
- Game Number
- 1639
- Ticket Price
- $10
- Start Date
- 1/9/2025
- Payout %
- 73.8%
- Data Source
- Official
- Last Updated
- 8/11/2026
Compare
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Image Credit: New York Lottery
$10.00 per ticket · 1 in 3.95 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 SET FOR LIFE scratch-off a good buy?
SET FOR LIFE is a solid choice. Its ValueScore of 60/100 is above average, indicating good expected value and a healthy prize pool. It performs better than most $10 tickets in New York.
How much does SET FOR LIFE cost?
SET FOR LIFE costs $10 per ticket in New York. All ScratchCheck figures for this game (expected value, ValueScore, and top prize analysis) are calculated against this $10 ticket price.
What are the odds of winning the SET FOR LIFE scratch-off?
The overall odds of winning any prize with SET FOR LIFE are 1 in 3.95. This means roughly 1 in every 4 tickets wins a prize of any amount.
What is the top prize for SET FOR LIFE?
The top prize for SET FOR LIFE is $5,000,000. As of our latest update, 2 top prizes remain unclaimed.
What are the prizes for SET FOR LIFE?
SET FOR LIFE offers 11 distinct prize levels: $5,000,000 (6 total), $50,000 (20 total), $5,000 (465 total), $1,000 (601 total), $500 (42,063 total), $100 (514,947 total), $50 (2,004,718 total), $25 (962,235 total), $20 (3,271,843 total), $15 (962,172 total), and $10 (4,425,857 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 SET FOR LIFE?
Based on our latest data, 16% of all prize tickets remain (approximately 1,988,062 out of 12,184,927 total). The game is winding down. A significant portion of prizes have already been claimed.
How is SET FOR LIFE rated by ScratchCheck?
ScratchCheck rates SET FOR LIFE at 60 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 SET FOR LIFE released?
SET FOR LIFE was released by the New York Lottery on January 9, 2025. It has been on sale for over a year, so checking the remaining prize counts is important before buying.
How often is SET FOR LIFE data updated on ScratchCheck?
SET FOR LIFE data comes directly from the official New York Lottery and is refreshed daily, so the odds and remaining prize counts you see match the lottery's latest published figures.