Rhode Island Paycheck Calculator
Earning $75,000 in Rhode Island? Your estimated 2026 take-home is about $58,375 after federal tax and FICA, and Rhode Island state income tax and RI disability insurance and paid family leave contributions.
These are example numbers. Type yours to see your own.
Based on a $75,000 salary in Rhode Island, single filer, paid every 2 weeks
$2,245.19
take-home per 2 weeks · $58,375/yr
Your federal tax on Rhode Island pay, worked out one bracket at a time
| Bracket | Income taxed here | Tax |
|---|---|---|
| 10% ($0 – $12,400) | $12,400 | $1,240 |
| 12% ($12,400 – $50,400) | $38,000 | $4,560 |
| 22% ($50,400 – $105,700) | $8,500 | $1,870 |
Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.
Compare your take-home pay with Massachusetts, Connecticut or New York
Which 2026 rules apply to your Rhode Island paycheck?
Tick what is true for you and these Rhode Island notes narrow to your situation.
Tips: federally deductible, but Rhode Island still taxes tips in full. Work out the tip deduction
Overtime: federally deductible, but Rhode Island still taxes overtime premium pay in full. Work out the overtime deduction
Bonuses: Rhode Island withholds a flat 5.99% on supplemental pay, separately from your regular wages. Estimate the tax on a bonus in Rhode Island
Turning 65: the $6,000 federal senior deduction comes off your federal return; Rhode Island's three brackets still apply to the same wages. Check the senior deduction
See every 2026 rule that matches your answers in Rhode Island
Use this free Rhode Island (RI) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Rhode Island's graduated state income tax (three brackets, 3.75% to 5.99%).
Adjust the calculator inputs to see the breakdown for your own Rhode Island paycheck.
Rhode Island's three-bracket ladder (3.75%–5.99%): what comes out of each 2026 check
Rhode Island taxes income on a graduated state schedule for 2026, applied after the state deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Rhode Island take-home pay.
Rhode Island uses a graduated income tax with 3 brackets for 2026, with marginal rates ranging from 3.75% to a top rate of 5.99% (which applies to single-filer taxable income above $186,450). For 2026, Rhode Island's state standard deduction is $11,200 for single filers and $22,400 for married couples filing jointly. As a worked example, a single filer earning $60,000 pays about $1,830 in Rhode Island income tax (roughly 3.0% of gross) before federal tax and FICA.
What this estimate doesn't include: Rhode Island's standard deduction and personal exemptions PHASE OUT for higher-income filers (beginning at modified AGI of $254,250 for 2026 and fully eliminated above roughly $287,000); this estimate applies the full standard deduction, so for higher incomes the actual tax can be HIGHER than shown. The head-of-household standard deduction shown ($16,800) is derived from Rhode Island's published filing-status structure (the official advisory PDF was not machine-readable); the single ($11,200) and married ($22,400) amounts and all bracket thresholds are from official/Tax Foundation 2026 figures. Personal exemptions (~$5,100 each) and Rhode Island tax credits (property-tax relief, EITC, child & dependent care) are not modeled. Rhode Island has no local or city income tax on wages. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
Rhode Island's three 2026 brackets, from 3.75% to 5.99% (single filers)
Rhode Island's graduated single-filer schedule for 2026, applied after the state deduction:
| Taxable income | Marginal rate |
|---|---|
| $0 – $82,050 | 3.75% |
| $82,050 – $186,450 | 4.75% |
| $186,450 and above | 5.99% |
Temporary Disability Insurance: what else Rhode Island takes from your check
On a Rhode Island paycheck, these state programs are deducted in addition to income tax and Social Security / Medicare:
| Program | Employee rate (2026) | Wage base / cap |
|---|---|---|
| Temporary Disability Insurance (TDI) / Temporary Caregiver Insurance (TCI) - employee contribution | 1.1% of taxable wages (down from 1.3% in 2025); this single rate funds both TDI and TCI. Entirely employee-funded. | 2026 taxable wage base of $100,000 (up from $89,200 in 2025); maximum annual employee contribution $1,100.00. |
Included in your take-home: the RI TDI/TCI contribution is subtracted from the take-home estimate at the top of this page. These are withheld after tax and do not lower your taxable income.
Rhode Island's own $16.00 minimum wage — above the federal floor (2026)
$16.00/hour (≈$33,280/year full-time). Effective Jan 1, 2026 (up from $15.00). Scheduled to rise to $17.00 on Jan 1, 2027. Full-time students under 19 working <=24 hrs/week may be paid 75% ($12.00).
Two Rhode Island payroll quirks worth knowing
- Rhode Island's TDI/TCI is fully employee-funded (employers pay nothing), and for 2026 the rate dropped to 1.1% while the taxable wage base jumped 12.5% to $100,000 - the higher cap means high earners can still pay up to $1,100/year even though the rate fell.
- Rhode Island levies a flat 7% statewide sales tax with no local add-ons - tied for the second-highest statewide base sales tax rate in the U.S. (only California's 7.25% base is higher), so the combined rate is 7% everywhere in the state.
Your paycheck vs the $87,796 Rhode Island median
| Median household income (2024 (ACS, inflation-adjusted)) | $87,796 |
| Take-home (single filer) | ≈$66,756 |
Is overtime and tips tax-free in Rhode Island? Federally yes, but Rhode Island still taxes both
For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.
Rhode Island state income tax: Rhode Island has not adopted the federal tips/overtime deductions for state income tax as of mid-2026, so they reduce your federal tax only. (source: tax.thomsonreuters.com)
- Overtime: 2025 — not deductible on your Rhode Island return (still state-taxed); 2026–2028 — not deductible on your Rhode Island return (still state-taxed).
- Tips: 2025 — not deductible on your Rhode Island return (still state-taxed); 2026–2028 — not deductible on your Rhode Island return (still state-taxed).
Related: tips calculator · overtime by state · tips by state · overtime calculator.
Beyond the paycheck: Rhode Island's 7% sales tax and property tax
| Sales tax | 7% (≈7% with local) |
| Property tax | ≈1.19% — Among the higher-tax states; effective rate well above the national average. Rates vary widely by municipality (roughly 0.86% in Newport County to ~1.37% in Kent County). |
No city or county income tax anywhere in Rhode Island
No local, county, or city income taxes. Only the state levies income tax (graduated 3.75%-5.99% for 2025/2026). No municipality imposes a local income or local sales tax.
Rhode Island paycheck FAQ
Besides income tax, what does Rhode Island deduct from paychecks?
On top of federal tax and FICA, Rhode Island withholds Temporary Disability Insurance (TDI) / Temporary Caregiver Insurance (TCI) - employee contribution at 1.1% of taxable wages (down from 1.3% in 2025); this single rate funds both TDI and TCI. Entirely employee-funded.. The full rates and wage caps are in the payroll-deductions table on this page.
Does Rhode Island have a state income tax in 2026?
Yes — three graduated brackets from 3.75% to 5.99% in 2026, on top of federal tax and FICA.
Compare a paycheck next door: Massachusetts, Connecticut & New York
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| Rhode Island | three brackets, 3.75%–5.99% | $58,375 |
| Massachusetts | two brackets, 5%–9% | $57,718 |
| Connecticut | seven brackets, 2%–6.99% | $57,843 |
| New York | nine brackets, 3.9%–10.9% | $57,784 |
Those are the states next door. To see where Rhode Island lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-07-31