United States · Rhode Island · Tax year 2026
Rhode Island Paycheck & Income Tax Calculator
Rhode Island workers pay the whole cost of state disability insurance — 1.1% of wages in 2026. Type your salary to see the real deduction, not just the income tax.
Take-home per paycheck · 2026
$2,252.76
Paid every two weeks · $58,572 a year
You keep 78% of your gross pay. Rhode Island itself takes 2.9%.
This is your 2026 tax for the whole year, spread evenly across 26 paychecks and rounded to the cent. A real payslip can differ slightly from one paycheck to the next: employers withhold using tables that approximate the year's tax rather than match it, and stop taking a contribution once your wages for the year pass its cap.
- Federal income tax$295.00
- RI income tax$84.45
- FICA$220.68
- RI payroll$31.73
- Take-home$2,252.76
| Deduction | Rate | Per paycheckPer year | Per year |
|---|---|---|---|
| Gross payAnnual salary ÷ 26 | $2,884.62$75,000.00 | $75,000.00 | |
| Federal | |||
| Federal income taxAfter the $16,100 standard deduction | −$295.00−$7,670.00 | −$7,670.00 | |
| Social SecurityCapped at $184,500 of wages | 6.20% | −$178.85−$4,650.00 | −$4,650.00 |
| Medicare | 1.45% | −$41.83−$1,087.50 | −$1,087.50 |
| Rhode Island | |||
| RI income taxAfter the $11,200 standard deduction and $5,250 exemption | −$84.45−$2,195.63 | −$2,195.63 | |
| TDICapped at $100,000 of wages | 1.10% | −$31.73−$825.00 | −$825.00 |
| Total tax | −$631.86−$16,428.13 | −$16,428.13 | |
| Net pay | $2,252.76$58,571.87 | $58,571.87 | |
Per paycheck, each line is its annual amount ÷ 26, rounded to the nearest cent.
What this means
On a salary of $75,000 you keep $58,572 — about 78% of what you earn. The remaining $16,428 is split across five separate deductions.
The largest is federal income tax at $7,670, roughly 47% of your total tax bill. Rhode Island's own income tax takes $2,196, which is less than the $5,738 taken for Social Security and Medicare. The state payroll contribution adds $825 — small, but taken from every paycheck.
Your next dollar of income would be taxed at 25.8% once federal and state are combined, while the rate you actually pay across the whole salary is 21.9%. That gap is why a raise never feels as large as the headline rate suggests — and why the effective rate, not the bracket you land in, is the number worth comparing between states.
Show the working, band by band
Every figure above is computed from published 2026 rates for the whole year, then divided across 26 paychecks.
Federal — on $58,900 taxable income
| Band | Rate | Taxed here | Tax |
|---|---|---|---|
| $0 – $12,400 | 10% | $12,400 | $1,240.00 |
| $12,400 – $50,400 | 12% | $38,000 | $4,560.00 |
| $50,400 – $105,700 | 22% | $8,500 | $1,870.00 |
Rhode Island — on $58,550 taxable income
| Band | Rate | Taxed here | Tax |
|---|---|---|---|
| $0 – $82,050 | 3.75% | $58,550 | $2,195.63 |
Rhode Island tax at a glance, 2026
- State income tax
- 3.75% – 5.99%
- One schedule for every filer
- TDI
- 1.1%
- Employee-paid, capped at $100,000
- Standard deduction
- $11,200
- Plus a $5,250 exemption
- Local income tax
- None
- No Rhode Island city levies one
How Rhode Island income tax works
Rhode Island has three bands, and the first one is wide: 3.75% on the first $82,050 of taxable income, 4.75% to $186,450, and 5.99% above that.
Because that opening band is so wide, most Rhode Islanders never leave it. A single filer would need a salary approaching $100,000 before any income reached the 4.75% rate.
Two allowances come off first: a standard deduction of $11,200 for a single filer ($22,400 joint) and a personal exemption of $5,250 per person. Together a single filer shelters $16,450.
On $75,000 that leaves $58,550 of Rhode Island taxable income — entirely inside the first band — and $2,195.63 in state tax, an effective state rate of about 2.9%.
Then TDI takes another $825, the line that is easiest to miss because it is not an income tax at all.
| Taxable income | Rate |
|---|---|
| $0 – $82,050 | 3.75% |
| $82,050 – $186,450 | 4.75% |
| $186,450 and above | 5.99% |
TDI comes entirely out of your pay
Rhode Island runs the oldest disability insurance program in the country, and it is funded in a way only a handful of states use: the employee pays all of it.
There is no employer share. Where California splits nothing and charges workers directly too, and New Jersey divides its levies between the two sides, Rhode Island’s Temporary Disability Insurance comes wholly from wages.
For 2026 the Department of Labor and Training set the rate at 1.1% on a taxable wage base of $100,000 — a maximum contribution of $1,100.00 for the year.
| Salary | TDI for the year |
|---|---|
| $50,000 | $550 |
| $75,000 | $825 |
| $100,000 and above | $1,100 (capped) |
On $75,000 that $825 is more than a third again on top of the $2,196 of state income tax. Leave it out and a Rhode Island take-home figure is wrong by roughly the same amount that several states charge in income tax altogether. The figures on this page include it.
It got cheaper for everyone in 2026. The rate fell from 1.3% to 1.1% while the wage base rose from $89,200 to $100,000. Those pull in opposite directions, but the rate cut wins at every income: the maximum contribution dropped from $1,159.60 to $1,100, and someone on $50,000 pays $100 less than they did in 2025. A full-time worker on the $16.00 minimum wage pays about $366 for the year, roughly $7 a week.
One schedule for everyone
The Division of Taxation’s own name for Rhode Island’s rate table is the uniform tax rate schedule, “which is used by all filers”. That word does real work.
Most states widen their brackets for married couples, usually doubling each threshold. Rhode Island does not widen them at all. The 4.75% band begins at $82,050 of taxable income whether you file singly, jointly, separately or as head of household.
So two people each earning $60,000 stay comfortably inside the 3.75% band while single. Married, their combined income pushes well past $82,050 and part of it is taxed at 4.75% — on exactly the same earnings.
What does double is the shelter: $22,400 of standard deduction and $10,500 of exemptions for a couple, against $16,450 for one person. That offsets some of it, but not the band compression.
Rhode Island therefore sits with South Carolina, Missouri and West Virginia in the group of states whose marriage penalty comes from the bracket structure itself rather than from any rule aimed at couples.
Take-home pay at every salary in Rhode Island
After federal tax, Rhode Island state tax, FICA and TDI at 1.1%. With no local income tax anywhere in the state, these figures hold in Providence, Warwick, Cranston, Pawtucket and East Providence alike.
| Gross salary | Total tax | Take-home (single) | Effective rate | Take-home (married) |
|---|---|---|---|---|
| $30,000 | −$4,553 | $25,447 | 15.2% | $27,375 |
| $40,000 | −$7,003 | $32,997 | 17.5% | $35,454 |
| $50,000 | −$9,453 | $40,547 | 18.9% | $43,204 |
| $60,000 | −$11,903 | $48,097 | 19.8% | $50,894 |
| $75,000 | −$16,428 | $58,572 | 21.9% | $62,219 |
| $85,000 | −$19,878 | $65,122 | 23.4% | $69,769 |
| $100,000 | −$25,068 | $74,932 | 25.1% | $81,094 |
| $125,000 | −$33,732 | $91,268 | 27.0% | $100,143 |
| $150,000 | −$42,832 | $107,168 | 28.6% | $117,343 |
| $200,000 | −$60,071 | $139,929 | 30.0% | $151,104 |
| $250,000 | −$78,775 | $171,225 | 31.5% | $186,496 |
What lands in your account each payday
On $75,000 a year in Rhode Island, filing single, split across the pay schedules employers actually use.
| Pay schedule | Gross | Net |
|---|---|---|
| Every week | $1,442 | $1,126 |
| Every two weeks | $2,885 | $2,253 |
| Twice a month | $3,125 | $2,440 |
| Every month | $6,250 | $4,881 |
What this page does not model
Rhode Island withdraws both the standard deduction and the personal exemptions at high incomes, and this page applies them in full at every salary shown.
The withdrawal runs across a narrow range of modified federal adjusted gross income — $261,000 to $290,800 for 2026 — in increments of $7,450. Below $261,000 the full amounts are allowed; above $290,800 neither can be claimed at all.
That range begins above the highest salary on this site, so it does not affect any figure shown here. It is stated rather than left out because it makes Rhode Island unusually sharp at the top: a filer moving from $261,000 to $290,800 loses $16,450 of shelter over $29,800 of income, which pushes the real marginal rate over that stretch well above the 5.99% headline.
Everything else on this page — the bands, the deduction, the exemption, TDI and the federal and FICA figures — is exact, and taken from the Division of Taxation’s 2026 inflation advisory and the Department of Labor and Training’s 2026 rate announcement.
Dates that matter for the 2026 tax year
Rhode Island returns (Form RI-1040) are due April 15, 2027, matching the federal deadline. Estimated payments, if required, fall quarterly in April, June, September and the following January.
The bands and allowances on this page were set by the Division of Taxation on November 3, 2025, for tax years beginning on or after January 1, 2026, and will appear on returns filed in early 2027.
Questions people ask
- What are the Rhode Island income tax rates for 2026?
- Three bands: 3.75% on the first $82,050 of taxable income, 4.75% to $186,450, and 5.99% above. The Division of Taxation calls this the uniform rate schedule because every filing status uses it — the thresholds are the same whether you file singly or jointly.
- What can I deduct in Rhode Island?
- A standard deduction of $11,200 for a single filer or $22,400 filing jointly, plus a personal exemption of $5,250 per person. A single filer therefore shelters $16,450 before any tax applies. Both figures are the 2026 inflation-adjusted amounts.
- What is Rhode Island TDI and who pays it?
- Temporary Disability Insurance, and in Rhode Island the employee pays all of it. For 2026 the rate is 1.1% of wages up to a taxable wage base of $100,000, so a maximum of $1,100 a year. On a $75,000 salary that is $825.
- Did Rhode Island TDI go up or down for 2026?
- Down, for everyone. The rate fell from 1.3% to 1.1% while the wage base rose from $89,200 to $100,000. The rate cut outweighs the higher base at every income, so the maximum contribution fell from $1,159.60 to $1,100.
- Do married couples get wider brackets in Rhode Island?
- No. Rhode Island applies one uniform schedule to all filing statuses, so the 4.75% band begins at $82,050 of taxable income whether you file singly or jointly. The standard deduction and exemptions do double for a couple, but the bands do not widen.
- Does any Rhode Island city charge a local income tax?
- No. No Rhode Island municipality levies an income tax, so where you live in the state does not change your income tax bill. TDI is statewide.
- Is my data sent anywhere?
- No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.
Where these figures come from
Every Rhode Island number on this page was read from the documents below — the state's own, not a summary of them. Nothing here is estimated. If a figure looks wrong, the source is one click away, and we would rather you checked.
- Advisory 2025-22, inflation adjustments for tax year 2026tax.ri.gov
The uniform rate schedule, the $11,200 standard deduction and the $5,250 exemption for 2026.
- 2026 tax rates for unemployment insurance and temporary disability insurancedlt.ri.gov
The 1.1% employee-paid TDI rate and the $100,000 taxable wage base.
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