## How My Million Works

A My Million code is automatically generated for every line of EuroMillions numbers purchased. There is no extra cost to enter the game.

Shortly after the main EuroMillions draw, one unique My Million code will be selected at random from all of the codes purchased for that particular draw. From time to time, special editions of My Million are held in which multiple prizes of €1 million are given away.

The odds of winning a My Million prize will vary from draw to draw as they are dependent on the number of EuroMillions tickets purchased, rather than correctly matching the numbers drawn in the main EuroMillions game.

## Total Winners to Date

The total number of EuroMillions winners across all thirteen prize tiers is shown below. This is updated shortly after the latest draw has taken place.

Number of players that have won a EuroMillions prize since 13th February 2004:

2,000,000,000

To view a comprehensive breakdown of winners from all countries, visit the Winner Statistics page.

### Biggest Jackpot Winners from the UK

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Tuesday 8th October 2019 | £170,221,000 | Anonymous |

Tuesday 12th July 2011 | £161,653,000 | Colin and Chris Weir, Largs, Scotland |

Friday 10th August 2012 | £148,656,000 | Adrian and Gillian Bayford, Haverhill, Suffolk |

Tuesday 11th June 2019 | £123,458,008 | Anonymous |

Tuesday 24th April 2018 | £121,328,187 | Anonymous |

Tuesday 1st January 2019 | £114,969,775 | Patrick and Frances Connolly, Moira, Northern Ireland |

### Biggest Jackpot Winners from Austria

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Friday 16th May 2008 | €55,609,411 | Anonymous, Carinthia |

Tuesday 19th August 2014 | €54,304,297 | Anonymous, Tirol |

Friday 6th March 2009 | €50,000,000 | Anonymous, Styria |

Friday 5th March 2010 | €46,258,004 | Anonymous, Burgenland |

Tuesday 8th May 2018 | €45,566,998 | Anonymous, Tirol |

### Biggest Jackpot Winners from Belgium

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Tuesday 11th October 2016 | €168,085,323 | Anonymous, Schaerbeek |

Tuesday 2nd June 2017 | €153,873,716 | Anonymous, Flemish Region |

Tuesday 21st August 2018 | €107,839,228 | Anonymous, Flemish Region |

Friday 9th February 2007 | €100,000,000 | Anonymous, Tirlemont |

Tuesday 25th June 2013 | €93,968,807 | Anonymous |

### Biggest Jackpot Winners from France

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Friday 11th December 2020 | €200,000,000 | — |

Tuesday 13th November 2012 | €169,837,010 | Anonymous, Alpes-Maritime |

Tuesday 13th September 2011 | €162,256,622 | Anonymous, Calvados |

Tuesday 1st September 2020 | €157,170,843 | Anonymous, Bas-Rhin |

Friday 29th March 2013 | €132,486,744 | Anonymous, Seine-et-Marne |

### Biggest Jackpot Winners from Ireland

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Tuesday 19th February 2019 | €175,475,380 | Anonymous, Co Dublin |

Friday 29th July 2005 | €115,436,126 | Dolores McNamara, Co Limerick |

Tuesday 25th June 2013 | €93,968,807 | Anonymous, Co Dublin |

Tuesday 24th January 2017 | €88,587,275 | Anonymous, Co Dublin |

Friday 19th September 2014 | €86,732,923 | Anonymous, Co Dublin |

### Biggest Jackpot Winners from Luxembourg

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Friday 27th September 2013 | €65,793,284 | Anonymous |

Friday 9th January 2015 | €31,666,941 | Anonymous |

Friday 24th January 2020 | €28,601,720 | — |

### Biggest Jackpot Winners from Portugal

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Friday 24th October 2014 | €190,000,000 | Anonymous, Castelo Branco |

Friday 20th November 2015 | €163,553,041 | Anonymous, Eiras |

Friday 17th January 2020 | €100,779,289 | Anonymous, Mafra |

Friday 6th March 2015 | €100,000,000 | Anonymous |

Tuesday 14th March 2017 | €80,571,199 | Anonymous, Faro |

### Biggest Jackpot Winners from Spain

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Friday 6th October 2017 | €190,000,000 | Anonymous, Las Palmas, Gran Canaria |

Tuesday 7th July 2020 | €144,542,315 | Anonymous, Mayorga, Valladolid |

Friday 13th June 2014 | €137,313,501 | Anonymous, Parla, Madrid |

Friday 7th February 2020 | €130,000,000 | Anonymous, Madrid |

Friday 25th September 2020 | €130,000,000 | Anonymous, Valladolid |

### Biggest Jackpot Winners from Switzerland

Draw Date | Jackpot Won | Winner(s) |
---|---|---|

Tuesday 2nd October 2018 | €162,403,002 | CHF 183,897,039.30 | Anonymous, North-West Switzerland |

Tuesday 19th December 2017 | €135,346,147 | 157,096,272.80 | Anonymous, Zurich |

Friday 23rd August 2013 | €93,948,087 | CHF 115,507,763.80 | Anonymous, Valais |

Friday 6th April 2018 | €76,119,641 | CHF 89,415,763.15 | Anonymous |

Tuesday 11th November 2011 | €67,939,183 | CHF 83,979,625.35 | Anonymous |

## Meet the Team

There’s a lot of work going on behind the scenes to ensure that the website is up to date with accurate information for you. Meet the team who make it happen:

Sam Weren

Sam is our lottery expert content writer with 20+ years experience in the industry. He’s previously appeared on the BBC lottery programme and was a Lottery Guru for national newspapers including the Daily Mail.

Recent articles by Sam:

- Systems and Strategies
- Picking Lottery Numbers

Background:

Sam has been with us from the start providing invaluable expertise of the industry and countless cups of coffee. As a writer, Sam has a history in print publication, including the best-selling book ‘The National Lottery Book: Winning Strategies’.

Lewis Rutledge

Lewis is an experienced writer in several different areas, with an in-depth knowledge of how lotteries work.

Recent articles by Lewis:

- UK Player Wins £79 Million EuroMillions Jackpot
- Fourth EuroMillions Superdraw of 2020 Set for 20th November
- Which EuroMillions Country is the Most Successful?

Background:

Lewis’ background as a sports writer helped him to gain an understanding of odds and betting strategies, before he joined the team several years ago. He prides himself on his knowledge of all things EuroMillions, even trivia about the biggest winners!

George Morley

George has worked in the lottery industry for over seven years and has an in-depth knowledge on local and foreign lotteries.

Recent articles by George:

- €200 Million Record EuroMillions Jackpot Won in France
- EuroMillions Hits Record Jackpot of €200 Million
- £57.8M EuroMillions Jackpot Won in the UK

Background:

George joined Euro-Millions.com at the start of his professional career and specialises in Search Engine Optimisation. He is also certified in Google Analytics and plays a big part in day-to-day management of the site, such as running social media campaigns and being part of the results verification team.

Alex Kiam

Alex is a specialist author and money editor, who contributes his financial knowledge across the site and vets all news articles to guarantee accuracy.

Recent articles by Alex:

- Are EuroMillions winnings taxed?
- How to claim lottery prizes
- How to spend £100 million

Background:

Alex Kiam is our resident financial whizz and the go-to guy for anything involving numbers. Having previously published books such as ‘Understand Financial Risk and Analysis in a Day’, Alex regularly contributes towards helpful articles on Euro-Millions.com.

Jim Coulson

Jim is a freelance content writer, blogger and voiceover who loves finding interesting stories from the world’s favourite lotteries.

Recent articles by Jim:

- Can I Play EuroMillions and Claim Prizes in Another Country?
- Your Big Rollover EuroMillions Questions Answered
- Next European Millionaire Maker Draw Announced for 23rd February 2018

Background:

Jim writes articles about everything to do with EuroMillions, from information on the latest game rule changes to stories about the lottery’s biggest winners. He also provides the voiceover for some of the Euro-Millions.com videos found on this site.

## How Prizes Are Funded

EuroMillions prizes are funded using revenue from ticket sales. A percentage of the money you spend on entering the game is allocated to the prize fund, with the remainder distributed to good causes, Government Lottery Duty and retailer commission, as well as covering operating costs.

When you play EuroMillions in the UK, the £2.50 you spend per line is broken down into £1.74 for entering the main draw and £0.76 for the UK Millionaire Maker raffle. Fifty percent of the £1.74 spent on the main game is allocated to the prize fund. Thirty percent of the £0.76 spent to enter the Millionaire Maker is used to pay prizes in the supplementary raffle.

## Minding your ratio of success to failure

Odds and probability are two different terms with two different equations. The difference between the two can be best describe when we study the composition of combinations.

As a lotto player, you don’t have the power to change the underlying probability, and you cannot beat the odds of the Euromillions game. But you have the power to know all the possible choices and make the right decision based on those choices.

And making the right choice is possible when you know the difference between odds and probability.

What is the difference?

Probability refers to the measurement that an event will likely occur. And we measure the likelihood by using the formula:

We normally expressed the results of this formula in percentage.

Now, to get the odds, we use this formula instead:

What you get from this formula is a ratio.

So the difference is that the probability is the measurement of chance while the odds are the ratio of success to failure.

In layman’s term, the difference between odds and probability can be described in the following way:

Probability = Chance

Odds = Advantage

That is, you cannot control the probability and you cannot beat the odds, but at least you can choose the best odds and get the best ratio of success to failure.

Let’s consider the combination 2-4-6-8-10. This combination is composed of 5 even numbers with no odd numbers. This combination belongs to the 0-odd-5-even group.

In the Euromillions game, there are 53,130 ways you can combine 5 numbers that are all even numbers and no odd numbers.

Therefore we calculate the odds of a 0-odd-5-even in the following way:

Odds of 5-even-0-odd = 53,130 / 2,065,630

This means that 2-4-6-8-10 and all similar combinations under the group of 0-odd-5-even will give you 2 or 3 opportunities to match the winning combinations for every 100 attempts that you play the Euromillions game.

As you can see, a combination such as 2-4-6-8-10 offers a very low ratio of success.

In comparison, you will have a better ratio of success when you pick a more balanced odd and even numbers.

Let’s prove that.

There are 690,000 ways you can combine numbers of type 3-odd-2-even. If we calculate the odds, we get:

Odds of 3-odd-2-even = 690,000 / 1,428,760

In simple terms, a 3-odd-2-even combination will give you the opportunity to match the winning numbers 32 to 33 times in every 100 attempts that you play the Euromillions game.

If we compare the two classes of combinations, we can see a big difference:

0-odd-5-even VS 3-odd-2-even

0-odd-5-even | 3-odd-2-even |

53,130 ways to win | 690,000 ways to win |

2,065,630 ways to lose | 1,428,760 ways to lose |

2 to 3 opportunities to match the winning numbers out of 100 attempts | 32 to 33 opportunities to match the winning numbers out of 100 attempts |

The worst ratio of success | The best ratio of success |

The worst choice | An intelligent choice |

The way to explain the table above is that if you play the 0-odd-5-even combination, then expect that you have 2 million ways to fail and thereby you have less opportunity to win.

On the other hand, if you play a more balanced combination such as a 3-odd-2-even, then you have more opportunities to win, and the number of ways you fail decreased to just 1.4 million.

In a random event like the Euromillions game, making an intelligent choice requires mathematical strategy. We calculate all the possible choices and finally make an intelligent choice. It’s all about how not to be mathematically wrong.

But to give you a gist of how to make an intelligent choice, let’s dig deeper through these combinatorial patterns below.

## Combinatorial Patterns in EuroMillions

Let me describe a mathematical method that will catapult you to Euro Million’s success. Deep within the finite sets of EuroMillions numbers are combinatorial patterns that should tell you the best combinations to play and the worst ones to avoid.

The image above describes the complete randomness of a lottery game. It shows that the lotteries are made up of independent random draws that, when put together with time, exhibit a mathematically deterministic behavior given the law of large numbers. See The Visual Analysis of a True Random Lottery with Deterministic Outcome

Let me clarify that we don’t need statistics to determine the best combinations in a lottery game. Statistics is not the right tool to analyze a lottery game.

So if statistical analysis will not provide the best clue, what will?

Well, since the lottery has a finite set structure, any question that we ask is a combinatorial and probability problem to solve rather than statistical.

So instead of statistics, we need the concept of combinatorics and probability theory. These two mathematical tools will help predict the general outcome of the EuroMillions game from the perspective of the law of large numbers.

This prediction is possible because a truly random lottery follows the dictate of probability.

Again, we can explain this better from the context of combinatorial patterns.

For example, we can ask:

“What is the probability that the next winning numbers will be 1-2-3-4-5?”

To solve this question combinatorially, we can rephrase the question this way:

“What is the probability that the next winning numbers will be three-odds and two-even numbers?”

Can you see it? Composition matters.

And the composition of a combination is best described using a combinatorial pattern. You can look at combinatorial patterns in many different ways. There are simple patterns and there are advanced patterns.

We will talk about advanced patterns later (you don’t want to miss this section).

Let’s discuss the simple ones first.

## The Odd-Even Patterns Based On The Actual EuroMillions Results

Remember that in the list of the odd-even patterns above, we included the probability value. We use the probability value to determine how likely an event will happen in a given period.

In this case, we want to know the frequency of each odd-even pattern. To take things up a notch, we will compare our calculation against the actual results of the EuroMillions.

There are 1,276 draws in EuroMillions from April 16, 2004, to February 4, 2020. Therefore, we calculate the expected frequency by multiplying the probability by 1,276 draws.

Expected Frequency = Probability X 1,276

In the case of 3-odd-2-even with the probability of 0.3256621797655230, the expected frequency will be 416.

Doing similar computation with the rest of the odd-even patterns, we will come up with a completed comparison table below with accompanying graph:

As you see from the graph above, you should notice the agreement between probability prediction and the actual results of the EuroMillions game. The agreement proves that the EuroMillions game follows the dictate of the probability principle.

- 3-odd-2-even is expected to appear 416 times – it occurred 461 times in the real draw.
- 4-odd-1-even is projected to appear 190 times – it appeared in 184 times in the actual draw.
- 0-odd-5-even is supposed to be drawn 32 times – it was drawn 31 times in the real draw.

Thanks to the power of probability. And you don’t need statistical analysis of the historical results to do such high-accuracy and high-precision prediction.

## Prize Amounts and Statistics

Here is how the EuroMillions prize fund is distributed across each of the 13 prize tiers. The table also shows statistics for the highest and lowest amount ever given away in each category, along with the highest and lowest number of winners in each tier.

Match | % Prize Fund | Odds of Winning | Lowest Ever Prize Amount | Highest Ever Prize Amount | Average Prize Amount Per Draw | Lowest Ever Winners | Highest Ever Winners | Average Winners Per Draw |
---|---|---|---|---|---|---|---|---|

5 + 2 | 50% | 1 in 139,838,160 | €17,000,000.00 | €200,000,000.00 | €61,219,019.84 | 2 | 0.2 | |

5 + 1 | 2.61% | 1 in 6,991,908 | €64,840.10 | €5,684,144.40 | €429,753.60 | 17 | 3.6 | |

5 + 0 | 0.61% | 1 in 3,107,515 | €7,000.00 | €969,918.10 | €58,048.15 | 36 | 8.4 | |

4 + 2 | 0.19% | 1 in 621,503 | €309.80 | €9,956.60 | €3,062.20 | 8 | 172 | 42 |

4 + 1 | 0.35% | 1 in 31,075 | €59.00 | €266.30 | €160.60 | 249 | 3,119 | 836 |

3 + 2 | 0.37% | 1 in 14,125 | €23.10 | €179.30 | €99.45 | 517 | 6,898 | 1,845 |

4 + 0 | 0.26% | 1 in 13,811 | €21.50 | €91.90 | €55.51 | 630 | 5,668 | 1,873 |

2 + 2 | 1.30% | 1 in 985 | €8.40 | €31.10 | €18.63 | 7,338 | 98,958 | 26,371 |

3 + 1 | 1.45% | 1 in 706 | €6.80 | €20.30 | €13.85 | 12,558 | 116,308 | 36,408 |

3 + 0 | 2.70% | 1 in 314 | €6.40 | €17.30 | €11.55 | 29,444 | 221,456 | 81,550 |

1 + 2 | 3.27% | 1 in 188 | €4.40 | €16.50 | €9.80 | 38,881 | 486,402 | 137,435 |

2 + 1 | 10.30% | 1 in 49 | €4.00 | €11.10 | €7.52 | 181,198 | 1,438,780 | 517,640 |

2 + 0 | 16.59% | 1 in 22 | €3.20 | €5.30 | €4.27 | 488,245 | 2,959,529 | 1,158,500 |

Figures calculated using results drawn between 27/09/2016 and 22/12/2020.

This column displays the percentage of the prize fund allocated to each prize level. The remaining 10% goes into a separate fund, known as the Booster Fund, which is used to ensure there is always enough for the advertised minimum jackpot of €17 million. EuroMillions occasionally holds special draws or promotions, where the guaranteed minimum jackpot can be increased up to as much as €130 million, using surplus funds from the Booster Fund.

The 50% allocated to the jackpot only applies for the first five draws in a series of rollovers. Once the top prize has rolled over five times in a row, the ‘Match 5 + 2’ allocation is adjusted down to 42% until the jackpot gets won. The remaining 8% goes to the Booster Fund, ensuring that this reserve pot receives 18% of funds from the sixth draw in a rollover series until the jackpot is won.

The lowest and highest prize amounts for each prize tier, other than the jackpot, are in respect of individual winning tickets.

The Match 5 + 2 Lucky Stars prize values represent the total jackpot amounts regardless of how many winning tickets there were.

All prize data included in the table above relates to EuroMillions lottery draw results since 27th September 2016 when the Lucky Star pool increased from 11 numbers to 12. The details provided are for information purposes only and are not indicative of future prize values.

## Predicting the EuroMillions Draw

You have to understand that probability theory is simply a reliable guide. Naturally, the expected frequency and the actual frequency will not always match exactly.

You use probability to predict the future outcome of the game to guide you on how to play your game.

For example, if we want to know in advance the outcome of EuroMillions after 2000 draws, we use the same formula for expected frequency:

If we are to predict the outcome of all the odd-even patterns, we will come up with the following prediction table below:

Pattern | Probability | Estimated Occurrence in 2000 draws |
---|---|---|

3-odd-2-even | 0.3256621797655230 | 651 times |

2-odd-3-even | 0.3256621797655230 | 651 times |

4-odd-1-even | 0.1492618323925310 | 299 times |

4-even-1-odd | 0.1492618323925310 | 299 times |

All-odd | 0.0250759878419453 | 50 times |

All-even | 0.0250759878419453 | 50 times |

As a smart EuroMillions player, you don’t want to waste your money on patterns with low probability. That is the power of probability calculation as we apply it in EuroMillions.

As a lotto player, you want to win the jackpot. Therefore, you should stick with either 3-odd-2-even or 2-odd-3-even and forget about the rest of the patterns.

You get the same idea when it comes to low-high patterns. You don’t want to pick a combination whose composition is purely low numbers or strictly high numbers.

However, EuroMillions is not only about low-high or odd-even patterns.

We discuss low-high and odd-even patterns to show that the lottery can be predicted to an extent. But the low-high and odd-even patterns don’t provide the whole picture of the EuroMillions game.

You must understand the EuroMillions game as a whole if you want to win the game. For you to achieve that, you have to understand intricate combinatorial patterns, which is the real key to EuroMillions’ success.

Let’s proceed to discuss what advanced patterns can do to level up your lotto playing strategy.

## How to Beat the Odds of the EuroMillions Game

Of course, you cannot beat the odds of EuroMillions. But thankfully, math can help. There’s a way to increase your chances of winning the game.

The only way to increase your chances of winning is to buy more tickets.

But buying more tickets is useless if you’re making the wrong choices. It’s not OK to choose 1-2-3-4-5, and 2-3-4-5-6, and 46-47-48-49-50.

I will explain why.

But first of all, I must ask you to forget about hot or cold numbers. For the longest time, people mistakenly believe that if a number frequently occurs in the past, the same number is bound to be drawn more often in the future. This belief must be corrected.

Now, let’s proceed.

All combinations in EuroMillions 5/50 have the same probability.

It means that 1-2-3-4-5 is equally likely.

Play 2-4-6-8-10, and that is equally likely too.

Perhaps your combination is 5-10-15-20-25, this combination has the same probability as any other in the universe of Euromillions’ possible combinations.

The truth, all combinations have equal chances.

But think about this. Consider more tickets where all numbers are picked in the form of straight combinations:

- 1-2-3-4-5
- 2-3-4-5-6
- 3-4-5-6-7
- …
- 46-47-48-49-50

If I ask lotto players to spend their money on the above combinations, the surest response I will get is “no way.”

And why not?

That’s because people don’t trust their understanding of probability.

“Gut feeling” dominates the logic

You see, if you are confident that all combinations have the same probability, why be afraid to play all those combinations.

In other words, while you believe that all combinations have the same probability, there’s part of you that says buying “multiple tickets where all combinations are straight numbers” cannot be right.

But gut feeling shouldn’t be superior to mathematics.

If you want to win the EuroMillions game, you have to have a strong mathematical foundation.

And mathematics says:

There’s a big difference between having lots of wrong combinations and having the right combinations.

But how do we explain this mathematically?

## Our Story

December 2002: Site Launch

Back in the prehistoric days of the internet, before Facebook, Instagram, Twitter and YouTube, Euro-Millions.com was launched. At the time, there was approximately 1/50th of the amount of websites in existence that there currently are today. We began offering information to users on how they could win millions of Euros in European lottery games.

February 2004: EuroMillions Launches in France, Spain and the UK

More than a year after Euro-Millions.com went live, the EuroMillions lottery was launched in France, Spain and the United Kingdom. Euro-Millions.com was able to provide results for the exciting new pan-European lottery for the (then) weekly draw and has been doing so ever since.

Fun fact: In the first ever EuroMillions draw, 8.2% of prizes were won in the UK, 15.8% were won in Spain and a whopping 76% were won in France!

May 2008: The First Redesign

With increasing interest in EuroMillions across the continent, we released the first redesign of Euro-Millions.com. The new design brought about an improved user experience, better navigation and more valuable information for you, the user.

December 2008: Multilingual Versions of Euro-Millions.com Launched

As Euro-Millions.com begins to attract users from around the world, French, German, Spanish, Chinese and Russian language versions of the site are launched. This allowed us to begin offering the same valuable information to multiple new audiences.

July 2012: A Record-Breaking Month

Our busiest month to-date continues to be July 2012, thanks to a promotional ‘100 UK Millionaires’ Raffle draw in the UK. The draw on 27th July also marked the opening of the 2012 London Olympics, which the UK National Lottery celebrated by turning 100 EuroMillions players into overnight millionaires. On that weekend alone, more than 10.3 million page views were racked up on Euro-Millions.com!

September 2013: The Second Redesign

As an increasing number of site users are visiting us on mobile devices, our biggest redesign to date was launched on 23rd September 2013. The new layout was optimised with the mobile user in mind, bringing a modern design and improved navigation, making the site easier to access for all users.

October 2015: Login Area and Free Lottery Launched

Due to popular demand, a login area of Euro-Millions.com was launched, allowing users to enter and save tickets into the Checker. This was great news for those running syndicates, who were able to easily manage tickets and members of their syndicates.

The Free Lottery was also launched on the site, offering Daily and Weekly draw prizes for those who match the winning combination.

December 2018: New Languages Added

With Arabic, Dutch and Thai sections added to the site, Euro-Millions.com is now available in 13 languages! They are: English, French, German, Portuguese, Spanish, Italian, Swedish, Dutch, Russian, Polish, Chinese, Thai and Arabic.

January 2020: A New Euro-Millions.com App

A new updated version of the app was launched after lots of hard work behind the scenes, bringing you fresh features to improve your experience. You are now able to scan your tickets (UK only) and see within a matter of seconds if you’ve won a prize. The old design has been thrown out and a completely fresh, modern layout has been implemented.

## UK Tax Implications

While there is no tax on lottery winnings in the UK, there are a number of important considerations to keep in mind if you are lucky enough to bank a substantial amount such as a EuroMillions jackpot.

### Inheritance Tax

Inheritance tax (IHT) is paid when a UK resident dies and their estate is worth more than £325,000. Everything above that threshold will be taxed at 40 percent. If you win a large EuroMillions prize and your estate exceeds the £325,000 valuation, you should be aware of the rules regarding IHT and how it will affect your heirs.

It is very common for big winners to want to share their jackpot in some way, but if you want to make a gift without paying tax you must meet one of the following criteria:

- Give the gift more than seven years before you die.
- Give the gift to your husband, wife, or civil partner.
- Give less than your annual allowance of £3,000.

The seven-year rule is in place to stop people from giving money away just before they die so that they can avoid IHT. As long as you live for at least seven years after making your gift, you can give as much as you want to whoever you want without it being liable for IHT.

If you were to die within seven years, the recipient would have to pay IHT based on a sliding scale. The rate of tax is the full 40% if there are less than three years between you giving your gift and dying, and then it goes down to 32% in years three to four, 24% in years four to five, 16% in years five to six and 8% if there are between six and seven years between your gift and your death.

Any gifts made to your spouse or civil partner are exempt from IHT, so it would not matter if you died within seven years. You can also give gifts to any registered charity without being liable for tax, along with some national organisations, such as the National Trust, universities or museums.

You can also take advantage of the £3,000 ‘gift allowance’ each year without incurring IHT. If you give away more than this amount and pass away within seven years, the recipient would have to pay tax. It is possible to carry over your leftover allowance from one tax year to the next, but only up to a maximum of £6,000.

### Other Tax-free Gifts

You can also give smaller gifts of up to £250 to as many people as you want without them being subject to IHT, although this would not include anyone who has already received gifts totalling the whole £3,000 annual exemption.

Wedding gifts can also be exempt from IHT, but only if they are made before the wedding and there has to be proof that the marriage does go ahead. You can make wedding gifts of up to £5,000 to a child, £2,500 to a grandchild or great-grandchild or £1,000 to anyone else. You can also make gifts to help pay the living costs of an ex-spouse, an elderly dependent or a child.

### Syndicates

Lottery rules in the UK stipulate that only one person can be paid a prize, so when playing in a syndicate it is essential to have a formal agreement in place to show to tax authorities. This will prove the money was not just a gift and that everyone is entitled to their share. Anyone playing in an informal syndicate should be aware that they may have to pay inheritance tax on the full amount if the syndicate leader dies within seven years of the prize money being shared.

### Tax on Interest

Most people can earn some interest from their savings without paying tax, but this might not be the case if you win a large enough EuroMillions prize. While there is no tax on the initial sum paid into your account, it may be that the win starts to produce an income through interest. This will then be taxed as part of your normal income tax.

## Knowing the Best and the Worst Combination Should Help

Getting the right composition will surely give you the best shot possible at winning the EuroMillions. Of course, you don’t win any money by matching the pattern. But as a lotto player, you want to play with a sensible strategy and get closer to the winning numbers.

The lottery should be fun. But at least be sensible when choosing your combinations and don’t waste your money on worthless combinations.

You don’t increase your chance of winning by choosing the right composition. But when you play the Euromillions, you want to play with the best ratio of success to failure. So don’t waste your money on useless combinations. Combinatorial patterns are here to guide you on that aspect.

If you are playing blindly, there’s no guarantee you will not fall into one of these worst patterns in EuroMillions. So I propose that you should incorporate the use of probability theory in your playing strategy.

The benefits are apparent. First, you are confident that you are not wasting your money, and second, you get the best shot at winning the game.

The difference between the best and the worst is so huge. You don’t want to take it for granted.

We don’t say that those combinations under the worst group will not occur. We say that those combinations have the worst ratio of success to failure.