Set For Life — $20 Ohio Scratch-Off #1073
Set For Life (#1073) is a $20 Ohio scratch-off launched on February 17, 2026. As of October 14, 2026 it ranks #2 of 69 active games on current payout (106.5%, $21.30 expected back per ticket) and #1 of 8 $20 games, #48 on any-prize odds (1 in 4.22) and #21 on top-prize odds (1 in 422,272). Since launch the payout has risen 26.2 points (80.3% at launch) and your chance of winning something has fallen 24.5% (1 in 3.19 at launch). 2 of 2 top prizes of $5,000,000 ($250K/YR FOR 20 YRS) remain, and we estimate 844,544 tickets are still unsold (72.1% sold). That puts it among the best Ohio scratch-offs to buy right now. A caution on the current figures: the any-prize odds have moved from 1 in 3.19 to 1 in 4.22, further than a game's odds really move. Its prize tiers disagree about how many tickets are left (between 0.60 million and 0.64 million), usually because small prizes are claimed late, and the current odds and payout lean on that disagreement. The printed odds are the safer guide, and our summaries do not name this game the best of anything (how we estimate). Note: a payout above 100% means the unclaimed prizes are worth more than the remaining tickets cost. That is genuinely possible this far into a game's run, but it is also where our ticket-count estimate is weakest, so read it as "unusually rich", not as a guarantee (how we calculate this).
Prizes remaining
Every prize level in Set For Life, with the odds printed at launch, the odds today given what is left, and how much of each tier is still unclaimed. Across all tiers, 199,911 of 949,615 prizes (21.1%) are still out there.
| Prize | Odds at launch | Odds now | Total | Claimed | Remaining | % left |
|---|---|---|---|---|---|---|
| $5,000,000 ($250K/YR FOR 20 YRS) | 1 in 1,514,636 | 1 in 422,272 | 2 | 0 | 2 | 100.0% |
| $100,000 | 1 in 504,879 | all claimed | 6 | 6 | 0 | 0.0% |
| $15,000 | 1 in 504,879 | 1 in 422,272 | 6 | 4 | 2 | 33.3% |
| $1,000 | 1 in 30,293 | 1 in 40,216 | 100 | 79 | 21 | 21.0% |
| $500 | 1 in 846.4 | 1 in 1,189 | 3,579 | 2,869 | 710 | 19.8% |
| $250 | 1 in 497.2 | 1 in 662.9 | 6,093 | 4,819 | 1,274 | 20.9% |
| $100 | 1 in 100.0 | 1 in 134.4 | 30,279 | 23,994 | 6,285 | 20.8% |
| $50 | 1 in 25.0 | 1 in 33.4 | 121,258 | 95,946 | 25,312 | 20.9% |
| $40 | 1 in 16.6 | 1 in 22.2 | 182,002 | 143,895 | 38,107 | 20.9% |
| $30 | 1 in 5.00 | 1 in 6.59 | 606,290 | 478,092 | 128,198 | 21.1% |
| All prizes | 1 in 3.19 | 1 in 4.22 | 949,615 | 749,704 | 199,911 | 21.1% |
How Set For Life has moved
Set For Life: common questions
- How many $5,000,000 prizes are left in Set For Life?
- 2 of 2 as of October 14, 2026. The chance that a ticket bought today is a top-prize winner is about 1 in 422,272.
- What are the odds of winning anything on Set For Life?
- 1 in 4.22 as of October 14, 2026, compared with 1 in 3.19 printed at launch. Cash-only odds are 1 in 4.22, and the odds of winning more than the $20 ticket price are 1 in 4.22.
- Is Set For Life worth buying?
- Its current payout is 106.5% ($21.30 back per $20 ticket), rank #2 of 69 in Ohio. The best $20 alternative as of October 14, 2026 is Spectacular Riches (#1124, $20) at 82.0%. No scratcher has a positive expected value; this is about losing less over time.
- How many Set For Life tickets are left?
- We estimate 844,544 of roughly 3,029,272 printed tickets are unsold (72.1% sold), derived from the prizes claimed at each tier and their published odds.
- When did Set For Life launch and is it still on sale?
- It launched on February 17, 2026. It is still on sale.
Other $20 Ohio scratch-offs
- Spectacular Riches — 82.0% payout, 1 in 3.95 any prize
- $1,000,000 Stacked — 81.3% payout, 1 in 3.60 any prize
- $1,000,000 Cashword — 79.6% payout, 1 in 3.03 any prize
- $300 Million Diamond Dazzler — 77.2% payout, 1 in 3.30 any prize
- $1,000,000 Cash Payout — 76.3% payout, 1 in 3.20 any prize