Rhode Island paycheck taxes at a glance
| State income tax | 3.75% to 5.99% (3 brackets) |
|---|---|
| Standard deduction | $11,200 single, $22,400 joint, $16,800 head of household |
| Personal exemption | $5,250 single, $10,500 joint |
| Per dependent | $5,250 exemption |
| Pre-tax deductions | 401(k), HSA and health premiums lower state tax too |
| Local income tax | None on wages |
| State payroll deductions | RI TDI 1.1% to $100,000 |
| Reciprocity | None |
| Figures | Tax year 2026 |
Every paycheck also has federal income tax, Social Security (6.2% up to $184,500) and Medicare (1.45%), worked out with the same 2026 IRS figures as ourmain paycheck calculator.
Rhode Island income tax brackets
| Taxable income | Rate |
|---|---|
| $0 to $82,050 | 3.75% |
| $82,050 to $186,450 | 4.75% |
| Over $186,450 | 5.99% |
Rhode Island also has rules the brackets alone do not show (see the notes below); the calculator applies them.
Worked examples
A $60,000 salary in Providence, single, paid every two weeks
| Per paycheck | Per year | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | − $193.08 | − $5,020 |
| Social Security and Medicare | − $176.54 | − $4,590 |
| Rhode Island income tax | − $62.81 | − $1,633 |
| RI TDI | − $25.38 | − $660 |
| Take-home pay | $1,849.88 | $48,097 |
Single, paid every two weeks (26 paychecks). Rhode Island taxable income is $43,550 and the state tax is $1,633, an effective 2.722% of gross pay. After the $11,200 standard deduction and one $5,250 exemption, all of the remaining income stays in the 3.75% bracket. TDI takes 1.1% of the full salary.
A $120,000 household in Warwick, married filing jointly with one child
| Per paycheck | Per year | |
|---|---|---|
| Gross pay | $4,615.38 | $120,000 |
| 401(k) at 5% | − $230.77 | − $6,000 |
| Federal income tax | − $273.85 | − $7,120 |
| Social Security and Medicare | − $353.08 | − $9,180 |
| Rhode Island income tax | − $109.40 | − $2,844 |
| RI TDI | − $42.31 | − $1,100 |
| Take-home pay | $3,605.99 | $93,756 |
Married filing jointly, 1 child, paid every two weeks (26 paychecks). Rhode Island taxable income is $75,850 and the state tax is $2,844, an effective 2.37% of gross pay. Three exemptions and the joint standard deduction keep all of the taxable income in the 3.75% bracket, because the brackets are the same for couples as for single filers. TDI stops at $100,000 of wages.
TDI: 1.1% on the first $100,000
Rhode Island is one of a few states with a mandatory disability insurance payroll deduction, and it is paid only by employees. For 2026 the rate fell to 1.1% (from 1.3% in 2025) while the wage base rose to $100,000 (from $89,200). The most anyone pays is $1,100 for the year. TDI also funds Temporary Caregiver Insurance, which pays up to seven weeks to bond with a new child or care for a seriously ill family member, so there is no separate paid-leave line on your stub.
One bracket table for everyone
Unlike most states, Rhode Island uses the same tax brackets whether you file single, jointly or as head of household. In 2026 the 3.75% rate covers the first $82,050 of taxable income, 4.75% applies up to $186,450 and 5.99% above that (the 2025 thresholds were $79,900 and $181,650). Married couples get a larger standard deduction and an extra exemption, but their brackets are not doubled. The thresholds rise with inflation every year. A surtax on income over $1 million passed in 2026 starts with tax year 2027, so it does not affect 2026 pay.
High earners lose the deduction and exemptions
Once modified federal AGI passes $261,000 (any filing status), the standard deduction and all exemptions are cut by 20% for each $7,450 (or part of it) above that amount. Above $290,800 nothing is left, so every dollar of income is taxed. The calculator applies this worksheet automatically, using your wages after pre-tax 401(k), HSA and health deductions as your AGI.
Working in Massachusetts or Connecticut
Rhode Island has no reciprocal agreements. If you live in Rhode Island and work in Massachusetts or Connecticut, that state taxes the wages and Rhode Island gives you a credit for the tax paid there, so you end up paying roughly the higher of the two states’ tax on those wages. Nonresidents who work in Rhode Island pay Rhode Island tax and TDI on the wages earned here.
Rhode Island payroll deductions besides income tax
- Temporary Disability Insurance (TDI) and Temporary Caregiver Insurance: Employees pay 1.1% of the first $100,000 of wages in 2026, at most $1,100 a year; employers pay nothing toward TDI.
Rhode Island vs. neighboring states
Take-home pay on a $75,000 salary, single, no pre-tax deductions and no local tax:
| State | Income tax | State tax + programs | Take-home |
|---|---|---|---|
| Rhode Island | 3.75% to 5.99% (3 brackets) | $3,021 | $58,572 |
| Connecticut | 2% to 6.99% (7 brackets) | $3,850 | $57,743 |
| Massachusetts | 5% to 9% (2 brackets) | $3,775 | $57,818 |
Where you work and where you live can both matter. See paycheck calculators for every state for the full comparison.