What Goes on a Rhode Island Pay Stub
A Rhode Island pay stub opens with the familiar federal lines: federal income tax from the W-4, Social Security at 6.2 percent up to the $184,500 wage base, and Medicare at 1.45 percent. Those are the same in Providence as anywhere else.
The Rhode Island section adds two lines. State income tax follows graduated rates from 3.75 to 5.99 percent, and every worker also sees the temporary disability and caregiver insurance contribution at 1.1 percent of wages up to $100,000. A server in Cranston and a teacher in Warwick both carry the TDI line, which funds one of the oldest state disability programs in the country. Benefit deductions and net pay finish the stub.
Rhode Island Withholding Rules: Forms and Allowances
Rhode Island uses Form RI W-4, the Employee's Withholding Allowance Certificate, to set state income tax withholding. It is completed alongside the federal W-4 at hire, and the allowances claimed drive the per-paycheck state deduction.
For 2026 the income tax brackets are 3.75, 4.75, and 5.99 percent. The TDI and caregiver program is separate from income tax: employees contribute 1.1 percent on the first $100,000 of wages, capped at $1,100 a year, down from 1.3 percent in 2025 on a lower wage base. Temporary caregiver benefits now run up to 8 weeks, which is what the employee contributions are buying.
Payday and Final Paycheck Rules in Rhode Island
Rhode Island requires most employees to be paid weekly, a stricter default than most states. Employers can obtain permission to pay biweekly, but the weekly rhythm is the legal starting point from Providence to Westerly.
Final wages are due by the next regular payday whether the worker quit or was fired. The final stub must still itemize every deduction, including the prorated TDI contribution for that last pay period.
Are Itemized Pay Stubs Required in Rhode Island?
Yes. Rhode Island requires employers to provide an itemized statement of earnings and deductions with each payday. Given the extra TDI line and the weekly pay cycle, that statement is the worker's best tool for confirming the 1.1 percent disability contribution and the graduated income tax withholding are both correct.
Example: A $65,000 Pay Stub in Providence, Rhode Island
Take a single filer in Providence earning $65,000 a year, paid weekly as Rhode Island law generally requires. The stub breaks down like this:
| Item | Annual Amount |
| Gross Pay | $65,000.00 |
| Federal Income Tax (approx) | ~$5,672.00 |
| Social Security (6.2%) | $4,030.00 |
| Medicare (1.45%) | $942.50 |
| Rhode Island income tax (3.75%-5.99%, approx) | $2,060.00 |
| RI temporary disability/caregiver insurance (1.1%) | $715.00 |
| Net Annual Pay | ~$51,580.50 |
That is about $992.70 of net pay per weekly check. The TDI line funds both disability and caregiver benefits, and at 1.1 percent on the first $100,000 of wages it is one of the larger program deductions in New England.
Frequently Asked Questions
What is Rhode Island Form RI W-4?
It is Rhode Island's Employee's Withholding Allowance Certificate, used to calculate state income tax withholding from each paycheck.
What are Rhode Island's income tax rates for 2026?
Graduated rates of 3.75, 4.75, and 5.99 percent for 2026.
What is the 2026 Rhode Island TDI rate?
Employees pay 1.1 percent on the first $100,000 of wages, up to $1,100 a year. It funds temporary disability insurance and temporary caregiver insurance, which now pays up to 8 weeks.
How often must Rhode Island employers pay workers?
Weekly for most employees, though employers can get permission for biweekly pay.
When is my final paycheck due in Rhode Island?
By the next regular payday, whether you quit or were terminated.
Are pay stubs required in Rhode Island?
Yes. Employers must provide an itemized statement of earnings and deductions each payday.
Related Tools
Create your stub with the free Pay Stub Generator and verify it with the Rhode Island Paycheck Calculator. Compare the Ocean State with a New Hampshire pay stub or a Vermont pay stub.
Sources: RI Division of Taxation, RI Department of Labor and Training. Figures reviewed for 2026. This generator provides an estimate for planning purposes and is not tax advice.