Set for Life: Official Guide, Rules, Odds & How to Play
Australia's unique annuity lottery — $20,000 every month for 20 years, drawn nightly
Draws every night at approximately 9:00 PM AEST — your ticket covers 7 consecutive draws
Set for Life is Australia's most unique lottery game — the only one that pays its top prize as a monthly income rather than a lump sum. Win Division 1 and you'll receive $20,000 every month for 20 years, giving you a life-changing guaranteed income worth a total of $4.8 million.
Using a 7/44 format, players choose 7 numbers from 1 to 44. What makes Set for Life truly special is that your ticket entry covers 7 consecutive daily draws — giving you 7 chances to win from a single purchase. With draws held every night of the week and 8 prize divisions, it's designed for Australians seeking long-term financial freedom.
🎰 Traditional Lottery
- Single weekly or biweekly draw
- Lump sum jackpot prize
- Must manage large windfall yourself
- Risk of overspending quickly
- One chance per ticket
🌊 Set for Life
- 7 draws per ticket (daily)
- $20K/month income for 20 years
- Built-in financial discipline
- Structured long-term security
- Best for younger winners
Choose Your 7 Numbers
Select any 7 numbers from 1 to 44. Use QuickPick for random selection, or choose your own with a Marked Entry. A minimum purchase of 2 games is required in most states.
Your Entry Covers 7 Consecutive Draws
One Set for Life ticket automatically enters you into 7 consecutive daily draws. That's 7 chances to win from a single purchase — 14 chances if you buy 2 games (the minimum).
Purchase Your Entry
Entries start from $9.45 for 2 games across 7 draws. Purchase online at The Lott, in The Lott app, or at any authorised lottery retailer. Autoplay is available for recurring entries.
Draws Run Every Night
Set for Life draws take place every night at approximately 9:00pm AEST (10:00pm AEDT). Results are emailed to online players and available on The Lott website and app.
Receive Your Monthly Prize Payments
Division 1 winners receive $20,000 on the 15th of every month for 20 years ($20K Day!). Division 2 winners receive $5,000/month for 12 months. Other division prizes are paid as one-off lump sums.
📅 Your Ticket's 7-Day Draw Schedule
When you purchase a Set for Life ticket, you automatically enter the next 7 nightly draws:
⚠️ Tickets cannot be cancelled once the first draw has closed. All 7 draws will proceed with your selected numbers.
Set for Life offers 8 prize divisions. Match as few as 3 main numbers + 1 supplementary to win. Odds are per standard game (per draw):
| Division | Numbers to Match | Odds (per game) | Prize |
|---|---|---|---|
| Div 1 | 7 main numbers | 1 in 38,320,568 | $20,000/month × 20 years ($4.8M total) |
| Div 2 | 6 main + 1 supplementary | 1 in 2,273,764 | $5,000/month × 12 months ($60,000 total) |
| Div 3 | 6 main numbers | 1 in 181,901 | Lump sum (~$5,000–$10,000) |
| Div 4 | 5 main + 1 or 2 supplementaries | 1 in 14,386 | Lump sum (~$500–$1,000) |
| Div 5 | 5 main numbers | 1 in 2,764 | Lump sum (~$70–$150) |
| Div 6 | 4 main numbers | 1 in 157 | Lump sum (~$30–$50) |
| Div 7 | 3 main + 1 or 2 supplementaries | 1 in 76 | Lump sum (~$10–$20) |
| Div 8 | 3 main numbers | 1 in 80 | Fixed (~$10) |
The 15th of every month is officially known as $20K Day in the Australian lottery community. On this day, every current Set for Life Division 1 winner receives their $20,000 monthly payment directly into their nominated bank account. It has become a celebrated tradition, with The Lott regularly sharing winner stories around this date each month.
- Up to 4 players can win Division 1 in a single draw, each receiving the full $20K/month
- If more than 4 win Division 1, the prize is reduced proportionally (e.g. 5 winners = $16K/month each)
- Payments are made monthly on the 15th of each month directly to winners' bank accounts
- Division 1 and 2 prizes are paid as monthly annuity installments, not lump sums
- Divisions 3–8 are paid as one-off lump sum payments
- Minimum purchase in most states: 2 games across 7 draws (from $9.45)
- In Western Australia: minimum 1 game across 7 draws (from $4.55)
- Tickets cannot be cancelled once the first draw has closed
- All Set for Life winnings are 100% tax-free in Australia
The fastest way to enter. The system randomly selects your 7 numbers. Minimum 2 games across 7 draws.
Choose your own 7 lucky numbers from 1–44. You can save them as a Favourite to replay each time.
Set up recurring entries so your numbers play automatically every week without needing to resubmit.
Purchase at any authorised lottery retailer. Ask for a Set for Life QuickPick or fill in a coupon in-store.
Be Set for Life — $20,000 Every Month for 20 Years!
Draw every night of the week. Your ticket gives you 7 chances to win from a single purchase.
Buy Tickets Now View Latest ResultsSet for Life is operated by The Lott in partnership with state and territory lottery licensees. Participation is only available to persons 18 years or older. Please gamble responsibly. Gambling Help Online: 1800 858 858