This free Rhode Island paycheck calculator shows your 2026 take-home pay. It covers federal income tax, Rhode Island state tax, Social Security and Medicare. Rhode Island keeps its income tax simple. There are three brackets and the top rate is 5.99%. Nothing extra is charged by your city or town.
One rule here catches married couples out. Rhode Island uses a single rate schedule for every filing status. A couple reaches each rate at the same income a single person does. That is a real marriage penalty, and the second section explains it. A separate deduction for disability insurance also comes out of your wages.
How Rhode Island taxes your paycheck in 2026
Rhode Island taxes the first $82,050 of taxable income at 3.75%. The next band runs up to $186,450 at 4.75%. Everything above $186,450 is taxed at 5.99%. Those three rates cover every worker in the state. Rhode Island last had a top rate near 10% back in 2010, before it rebuilt the whole table.
You subtract a standard deduction before those rates apply. A standard deduction is a flat amount that escapes tax. It is $11,200 for a single filer, $22,400 for a couple filing together, and $16,800 for head of household. You then subtract a personal exemption on top. That is $5,250 single, $10,500 joint and $5,250 head of household.
Both of those breaks fade out at high pay. They start shrinking above $261,000 of income. They are gone completely above $290,800, so a high earner gets neither one. Rhode Island also does not allow federal itemized deductions at all. Its own standard deduction is the only deduction on offer, whatever your mortgage interest looks like.
The Rhode Island marriage penalty
Other states widen their tax bands for married couples. Connecticut doubles them. Rhode Island does not widen them at all. One rate schedule covers single filers, joint filers and head of household. A married couple reaches the 4.75% rate at $82,050 of taxable income. A single filer reaches it at exactly the same point.
Picture two people who each earn $60,000. Filing alone, each one stays inside the 3.75% band. Filing together, their combined income crosses into the 4.75% band. The standard deduction does double for a couple, so it is not all bad news. It is the rate bands that refuse to move.
No Rhode Island city or town charges an income tax. Providence, Warwick, Cranston and Pawtucket take nothing extra from your wages. Towns raise their money from property tax instead. So your state rate is the only state-level rate you need to plan around.
The TDI deduction and what this page leaves out
Rhode Island is one of the few states where employees pay for temporary disability insurance. TDI pays you a benefit when illness or injury keeps you off work. Your employer contributes nothing toward it. The whole cost comes out of your wages, and it shows up on your pay stub as TDI.
The 2026 rate is 1.1% of your first $100,000 of wages. That caps your cost at $1,100 for the year. The rate fell from 1.3%, while the wage cap rose from $89,200. A worker earning $60,000 pays $660 across the year. The result above does not include TDI, so subtract your own share.
A traditional 401(k) lowers your federal taxable wages and your Rhode Island taxable wages. It does not lower your Social Security and Medicare wages. Pre-tax HSA money taken from your paycheck lowers both of those. The calculator handles this correctly. Use the fields above to add your own pre-tax savings.
Rhode Island paycheck FAQ
- How much is $60,000 after taxes in Rhode Island?
- Take a single filer with no pre-tax deductions. That worker keeps about $48,757 a year, $1,875 per biweekly paycheck, 18.7% total tax rate. That covers federal income tax, Rhode Island state tax, Social Security and Medicare. The TDI deduction of $660 a year is not included.
- How much is $100,000 after taxes in Rhode Island?
- Take a single filer with no pre-tax deductions. That worker keeps about $76,032 a year, $2,924 per biweekly paycheck, 24.0% total tax rate. The figure leaves out temporary disability insurance. That would take another $1,100, which is the yearly cap for 2026.
- What is the Rhode Island income tax rate in 2026?
- There are three rates. You pay 3.75% on taxable income up to $82,050. The next band runs to $186,450 at 4.75%. Anything above $186,450 is taxed at 5.99%. The same three bands apply whatever your filing status is.
- Does Rhode Island have a marriage penalty?
- Yes. Rhode Island uses one rate schedule for every filing status. Joint filers get no wider bands than a single filer. A couple hits the 4.75% rate at $82,050, the same point a single person does. The standard deduction does double for a couple, which softens it a little.
- What is the Rhode Island standard deduction for 2026?
- It is $11,200 for a single filer, $22,400 for a couple filing together, and $16,800 for head of household. You also get a personal exemption of $5,250, or $10,500 for a couple. Both breaks shrink above $261,000 of income and vanish above $290,800.
- Can I itemize deductions on my Rhode Island return?
- No. Rhode Island does not allow federal itemized deductions at all. Its own standard deduction is the only one available to you. That is true even if you itemize on your federal return. Your mortgage interest and charity gifts do not lower your Rhode Island tax.
- What is the TDI line on my Rhode Island pay stub?
- That is temporary disability insurance, and employees fund all of it. It takes 1.1% of your first $100,000 of wages in 2026, so $1,100 a year at most. The rate fell from 1.3% while the wage cap rose from $89,200. This calculator does not include it.
Sources
- Rhode Island Division of Taxation
- RI Division of Taxation — 2026 inflation adjustments (ADV 2025-22)
- Tax Foundation — Rhode Island tax data
All sources accessed and figures verified August 2026.