Rhode Island Paycheck Calculator (2026)
Estimate your Rhode Island take-home pay after federal income tax, Social Security, Medicare, Rhode Island income tax and TDI.
Rhode Island income tax and TDI in 2026
Rhode Island has three income tax rates: 3.75% up to $82,050 of taxable income, 4.75% up to $186,450 and 5.99% above. The same brackets apply to single and married filers.
The state standard deduction is $11,200 single and $22,400 married, with a $5,250 exemption per person. Employees also pay Temporary Disability Insurance (TDI), 1.1% of wages up to $100,000 in 2026, a maximum of $1,100.
Example take-home pay in Rhode Island
Single filer, no 401(k), paid every 2 weeks:
Rhode Island income tax brackets for 2026
These are the rates applied to your Rhode Island taxable income, which is your pay after the deductions and exemptions described above.
| Single filers | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $82,050 | 3.75% | Up to $82,050 | 3.75% |
| $82,050 to $186,450 | 4.75% | $82,050 to $186,450 | 4.75% |
| Over $186,450 | 5.99% | Over $186,450 | 5.99% |
Rhode Island take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Rhode Island taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $838 | $25,447 | $979 | 15.2% |
| $50,000 | $3,820 | $3,825 | $1,808 | $40,547 | $1,559 | 18.9% |
| $75,000 | $7,670 | $5,738 | $3,021 | $58,572 | $2,253 | 21.9% |
| $100,000 | $13,170 | $7,650 | $4,248 | $74,932 | $2,882 | 25.1% |
| $150,000 | $24,734 | $11,475 | $6,623 | $107,168 | $4,122 | 28.6% |
How to keep more of your paycheck in Rhode Island
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,528 (roughly $97 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax and about $113 in Rhode Island tax. The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $50,894 a year in Rhode Island, compared with $48,097 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Rhode Island subtracts its standard deduction and exemption, applies three brackets, and shows TDI as a separate payroll line.
Rhode Island paycheck questions
What is TDI in Rhode Island?
Temporary Disability Insurance, paid by employees at 1.1% on wages up to $100,000 in 2026.
What are Rhode Island's income tax rates?
3.75%, 4.75% and 5.99%.
Is there local income tax?
No.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Rhode Island Division of Taxation.