How to Play Set for Life
$20,000 a month for 20 years
About Set for Life
Set for Life is Australia's unique daily lottery game that offers a top prize unlike any other — $20,000 every month for 20 years, totalling $4.8 million. Drawing every single night at 8:30 PM AEST, Set for Life gives you a chance to win every day of the week. The game uses a distinctive format where players pick 8 numbers from 1 to 37, plus 2 Life Numbers from a separate pool of 1 to 10. This monthly payment structure provides long-term financial security rather than a one-time lump sum, making Set for Life an attractive option for players who prefer steady income over a single large payout.
How to Play
To play Set for Life, choose 8 numbers from 1 to 37 and 2 Life Numbers from 1 to 10. You can manually select your numbers or use QuickPick. Each game costs $1.50. During the draw, 8 winning numbers are drawn from a barrel of 37 balls, and 2 Life Numbers are drawn from a separate barrel of 10 balls. To win the top prize ($20,000/month for 20 years), you must match all 8 main numbers AND both Life Numbers. There are 8 prize divisions, with lower divisions requiring fewer matches. Tickets are available daily at all authorised outlets and online through The Lott.
Number Selection
- Select 8 main numbers from 1 to 37
- Select 2 Life Numbers from 1 to 10
Odds and Prize Divisions
Set for Life has 8 prize divisions. The top prize odds (8 numbers + 2 Life Numbers) are 1 in 38,608,020. The 2nd prize ($5,000/month for 1 year) requires 8 numbers + 1 Life Number at odds of 1 in 4,823,503. Division 3 is 8 numbers at 1 in 602,938. Lower divisions offer cash prizes ranging from $100 to $19.15. The overall odds of winning any prize are approximately 1 in 50. While the top prize odds are long, the unique monthly payment structure and daily draw frequency make Set for Life a compelling game for those who dream of sustained financial freedom.
| Statistic | Value |
|---|---|
| Division 1 Odds | 1 in 38,608,020 |
| Prize Divisions | 8 |
| Starting Jackpot | $20,000/month for 20 years |
Tips for Playing Set for Life
Set for Life draws every night, so you have seven chances per week to win. The Life Numbers are drawn from a much smaller pool (1-10) compared to the main numbers (1-37), so your choice of Life Numbers is particularly important. Consider covering more Life Number combinations through system entries if your budget allows. The monthly payment structure of the top prize means you receive $20,000 every month, providing a steady income stream that many financial advisors consider preferable to a lump sum. Always play within your means and set a budget for your weekly entries.
Where to Buy Set for Life Tickets
Set for Life tickets are available at authorised lottery outlets across Australia, including newsagents and selected retail stores. You can also purchase tickets online through The Lott official website (thelott.com) or via The Lott mobile app. Ticket sales typically close at approximately 7:25 PM AEST on draw nights. For online purchases, you will need to create a free account and be a resident of Australia.
Claiming Set for Life Prizes
Prize claiming procedures vary by state and prize amount. Prizes up to $1,500 can be claimed at any lottery outlet. Larger prizes may need to be claimed at a lottery office or through a bank transfer. If you purchased your ticket online through The Lott, prizes up to $1,500 are automatically deposited into your account. Larger prizes will require identity verification. You typically have up to 6 years from the draw date to claim your prize, depending on the state.