Rhode Island Take-Home Pay Calculator
4.75% top rateEstimate your net paycheck after federal taxes, FICA, and Rhode Island state income tax.
Last updated: April 2026
Rhode Island Income Tax
Rhode Island has a graduated income tax with a top rate of 4.75% on income over $166,950.
Rhode Island State Income Tax: What You Need to Know
Rhode Island has a graduated income tax with a top rate of 4.75% on income over $166,950.
Rhode Island has three income tax brackets. The 3.75% rate applies to the first $77,450 of income, 4.75% on $77,450–$176,050, and 5.99% on income above $176,050. Rhode Island uses its own standard deduction of $9,300 for single filers (not the federal $15,000). Rhode Island also charges a personal income tax surcharge if you claim more than $229,050 in deductions. Rhode Island has no city or local income tax — Providence, Warwick, and all other Rhode Island cities add no local wage tax. Rhode Island also charges a temporary disability insurance (TDI) contribution of 1.3% on wages up to $95,200.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Rhode Island's 4.75% top rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Rhode Island Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $77,450 | 3.75% |
| $77,450 – $176,050 | 4.75% |
| $176,050 – and above | 5.99% |
Rhode Island Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $1,155 | $3,060 | $32,618 |
| $60,000 | $6,617 | $1,905 | $4,590 | $46,888 |
| $80,000 | $10,817 | $2,892 | $6,120 | $59,171 |
| $100,000 | $15,617 | $3,842 | $7,650 | $72,891 |
Frequently Asked Questions: Rhode Island Taxes
What are Rhode Island's income tax brackets for 2026?
Rhode Island has three brackets: 3.75% on income up to $77,450, 4.75% on $77,450–$176,050, and 5.99% on income above $176,050. Rhode Island uses its own standard deduction of $9,300 for single filers. Most middle-income earners fall primarily in the 3.75% bracket, making Rhode Island's effective rate relatively low for that income range.
Does Rhode Island have a temporary disability insurance contribution?
Yes. Rhode Island employees pay a Temporary Disability Insurance (TDI) contribution of 1.3% on wages up to $95,200 in 2026. This is withheld from your paycheck. TDI funds Rhode Island's program that provides wage replacement if you're unable to work due to illness or injury not covered by workers' compensation. Rhode Island also has a Temporary Caregiver Insurance (TCI) benefit funded through TDI.
Does Rhode Island have a local income tax?
No. Rhode Island municipalities do not impose a local income tax on wages. Providence, Warwick, Cranston, and all other Rhode Island cities add no local wage withholding. Rhode Island workers pay only state and federal income taxes on earned income (plus the TDI contribution).
How does Rhode Island compare to neighboring Massachusetts on income taxes?
Rhode Island's 3.75% rate on the first $77,450 of income is lower than Massachusetts's flat 5%. For earners below $77,450, Rhode Island is actually the lower-tax state. Above that threshold, Rhode Island's 4.75% rate is still slightly lower than Massachusetts's flat 5%. Rhode Island becomes higher-tax than Massachusetts only above $176,050 (5.99% vs 5%), making RI competitive for most middle-income earners.
Does Rhode Island tax Social Security benefits?
Rhode Island taxes Social Security benefits for higher-income recipients. Taxpayers with income below certain thresholds can exempt Social Security. The exact exemption threshold adjusts annually. For lower-income retirees, Social Security is generally exempt. For higher-income retirees, the same portion taxable federally is generally taxable in Rhode Island.
What is Rhode Island's minimum wage in 2026?
Rhode Island's minimum wage is $15.00/hour in 2026, having reached this level under legislation passed in 2021 that set annual increases. Rhode Island's minimum is among the higher state minimums in New England and well above the federal $7.25/hour floor. Tipped workers have a lower minimum with tip credit provisions.