How Rhode Island's Income Tax Works in 2026
Rhode Island taxes income across three brackets that start at the first dollar: 3.75% up to $82,050, 4.75% to $186,450, and 5.99% above that for single filers in 2026. The brackets are wide, so most workers spend their entire career in the first one, but there is no 0% bracket to shelter the bottom dollars.
The standard deduction is $11,200 for single filers and $22,400 for joint filers, with a $5,250 personal exemption per filer on top. Both are inflation-adjusted each year, which keeps bracket creep from quietly raising the bill.
Using the Calculator
Rhode Island is preselected below. Enter your gross pay and frequency to see net pay with the graduated tax and the temporary disability contribution included. The TDI line is the one most generic calculators miss.
Rhode Island is small enough that many workers cross state lines daily. Compare the same salary through our New York paycheck calculator or the New Jersey version to see how the region's payroll deductions stack up.
Where Your Rhode Island Paycheck Goes
Federal income tax and FICA take the largest shares, Rhode Island's graduated tax follows, and then the temporary disability insurance contribution takes 1.1% of wages up to $100,000 in 2026. On a $75,000 salary that is $825 a year, noticeably more than the disability payroll taxes in neighboring states.
The TDI contribution funds two programs: Temporary Disability Insurance for your own illness or injury, and Temporary Caregiver Insurance for bonding with a new child or caring for a seriously ill family member. The 2026 wage base jumped to $100,000 under new legislation, up from $89,200, while the rate eased from 1.3% to 1.1%.
Rhode Island Payroll Details to Know
Minimum wage and overtime
Rhode Island's minimum wage is $16.00 per hour in 2026, up from $15.00 in 2025. Overtime follows federal rules at time and a half after 40 hours in a week.
Payday rules
Rhode Island requires weekly pay for most employees, one of the stricter schedules in the country, with wages due within 9 days after the pay period. Final pay after separation has short statutory deadlines.
Worked Example: $75,000 in Providence
Take a single filer in Providence earning $75,000, paid biweekly. After the $11,200 standard deduction and $5,250 exemption, Rhode Island taxable income is $58,550, all in the 3.75% bracket, for a state income tax near $2,196. TDI at 1.1% adds $825.
| Item | Annual Amount |
| Gross Pay | $75,000.00 |
| Federal Income Tax | ~$7,670.00 |
| Social Security (6.2%) | $4,650.00 |
| Medicare (1.45%) | $1,087.50 |
| Rhode Island State Income Tax | ~$2,195.63 |
| RI Temporary Disability (1.1%) | ~$825.00 |
| Net Annual Pay | ~$58,571.87 |
Net pay is about $58,572 a year, or roughly $2,252.76 every two weeks, an effective rate near 21.9%. The TDI line alone costs about $32 per biweekly check, a reminder that small-state programs can carry real payroll weight. Enter your own salary above.
Paycheck Mistakes Rhode Island Workers Make
- Missing the TDI contribution, which at 1.1% is larger than most states' disability payroll taxes.
- Using the old $89,200 wage base. The 2026 base is $100,000, so higher earners contribute more than before.
- Assuming a 0% bracket exists. Rhode Island taxes from the first dollar at 3.75%.
- Not knowing the TDI contribution also funds caregiver leave benefits you may one day claim.
- Forgetting Rhode Island's weekly pay requirement when starting a new job and planning cash flow.
Frequently Asked Questions
What are Rhode Island's income tax brackets for 2026?
3.75% from the first dollar, 4.75% above $82,050, and 5.99% above $186,450 for single filers.
What is deducted for Rhode Island TDI in 2026?
1.1% of wages up to $100,000, for a maximum of $1,100 a year. The wage base rose sharply under 2026 legislation while the rate fell from 1.3%.
What is Rhode Island's standard deduction for 2026?
$11,200 for single filers and $22,400 for joint filers, plus a $5,250 personal exemption per filer.
What is the minimum wage in Rhode Island for 2026?
$16.00 per hour, up from $15.00 in 2025.
Does Rhode Island have local income taxes?
No. Rhode Island municipalities cannot tax wage income.
What does Rhode Island TDI cover?
Wage replacement during your own illness or injury, plus caregiver leave for bonding or caring for a seriously ill relative.
More Rhode Island and Paycheck Tools
Create a matching stub with the Pay Stub Generator, or estimate shopping costs with the Rhode Island sales tax calculator. Compare with the New York and New Jersey paycheck calculators, or head back to the main Paycheck Calculator.
Sources: IRS Publication 15-T, U.S. Department of Labor, Tax Foundation 2026 state tax brackets, the Rhode Island Division of Taxation and the RI Department of Labor and Training. Figures reflect 2026 tax law. This calculator gives an estimate for planning purposes and is not tax advice.