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SET FOR LIFENew York Scratch-Off Odds & Prizes Remaining

Image Credit: New York Lottery
53
VALUESCORE
Fair
$10New YorkGame #1639GREEN
At a glance

SET FOR LIFE costs $10 a ticket from the New York Lottery. Its expected return of $0.74 per $1 runs $0.05 ahead of the typical $10 ticket in New York. Its prize pool is nearly spent: 7% of prizes remain.

Overall Odds
1 in 3.95
Exp. Value
$0.74
per $1 spent
Top Prize
$5,000,000
$5,000 a week for life ($5,000,000 guaranteed minimum)
Top Prizes Left
2
Prizes Remaining
7%
ValueScore™
53 / 100
Fair

Should I Buy This Ticket?

Expected value per $1 spent:
$0.74
→
AVERAGE
Middle of the pack: #33 of the 107 active games we track in New York.
Why
→Weak prize quality: relatively few of the bigger top and mid-tier prizes are still unclaimed.
  • Top-prize odds have improved: 1 in 8.0M at launch, about 1 in 1.7M now. Tickets have sold faster than the $5,000,000 prizes have been claimed.
  • Wins hit often: about a 25% chance to win something per ticket (1 in 3.95), better than most games.
  • You get back about $0.74 per $1 on average, which is normal for this price.

Current Prize Odds

ScratchCheck estimate · Updated October 9
$5,000,000
$5,000 a week for life ($5,000,000 guaranteed minimum)
2 of 6 left
launch odds 1 in 8.0M
now ~1 in 1.7M
$50,000
2 of 20 left
launch odds 1 in 2.4M
now ~1 in 1.7M
$5,000
38 of 465 left
launch odds 1 in 104K
now ~1 in 91K
$1,000
54 of 601 left
launch odds 1 in 80K
now ~1 in 64K
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

PrizeOddsTotalLeftStatus
$5,000,000
($5,000 a week for life ($5,000,000 guaranteed minimum))
1 in 8,018,62562
33%
$50,0001 in 2,405,588202
10%
$5,0001 in 103,46646538
8%
$1,0001 in 80,05360154
9%
$5001 in 1,14442,0632,636
6%
$1001 in 93514,94732,201
6%
$501 in 242,004,718126,568
6%
$251 in 50962,23562,916
7%
$201 in 153,271,843223,495
7%
$151 in 50962,17264,501
7%
$101 in 114,425,857363,345
8%

Prize Pool Analysis

Total Payout at Launch
$354,871,985
Current Prize Pool
$31,854,265
Payout Percentage
9.0%
Total Prizes Remaining
875,758

Ticket Statistics

Total Tickets Printed
48,130,462
Estimated Remaining
3,459,244
% Remaining
7.2%
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.

Prize History

Top prizes left

All 2 $5,000,000 top prizes left on August 8, when our records for it began, are still unclaimed.

20
August 8October 9

How fast it's selling

Over the last 4 weeks, about 1.1% of this game's prizes were reported claimed each week, about twice the average for New York's $10 games (0.5% a week).

From ScratchCheck's daily record of the lottery's published prize counts. Dates are when a claim first appeared in those counts, and small prizes are often cashed days after purchase, so claims trail actual sales.

ValueScore™ Breakdown

53
VALUESCORE
Fair
53
out of 100
Expected Value
37/40
Prize Quality
2/25
Win Frequency
15/20
Inventory Health
0/15
Updated: 10/9/2026

Game Details

Game Number
1639
Ticket Price
$10
Start Date
1/9/2025
Payout %
73.8%
Data Source
Official
Last Updated
10/9/2026

Simulate This Game

Run a virtual scratch-off using this game's real odds.

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?
It is about average. SET FOR LIFE scores 53/100 (Fair) and is 8th of the 16 active $10 games in New York. It pays back about $0.74 for every $1 spent. Higher-rated $10 tickets are listed on the New York rankings page.
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.
How many prizes are left in SET FOR LIFE?
Based on our latest data, 7% of all prize tickets remain (approximately 875,758 out of 12,184,927 total). The vast majority of prizes have been claimed. This game is close to being retired.

Every $10 ticket in New York

All 16 ranked →
GameValueScoreOddsPayoutTop prize · leftClaimed per week
BONUS BUCKS751 in 3.8669.4%$3M · 20.2%
$3,000,000 MAX MULTIPLIER741 in 4.2769.3%$3M · 20.8%
$3,000,000 BONUS STARS681 in 3.9969.4%$3M · 11.1%
100Xtra651 in 3.9169.5%$3M · 31.1%
$1,000,000 50X CASHWORD631 in 4.3265.0%$1M · 31.8%
BONUS 50X571 in 3.9271.4%$3M · 10.5%
MONEY MATCH551 in 4.0169.5%$3M · 10.5%
SET FOR LIFE (this game)531 in 3.9573.8%$5M · 21.1%
$3,000,000 CA$H521 in 4.0270.5%$3M · 00.0%
$5,000 HOLIDAY FRENZY/$5,000 GOLD501 in 3.8570.5%$5K · 350.0%

Claimed per week: share of each game's printed prizes reported claimed per week over the last 4 weeks, from our daily records of the lottery's prize counts.