Rhode Island Paycheck Calculator 2026
Rhode Island paychecks include Temporary Disability Insurance at 1.1% of the first $100,000 of wages in 2026, down from 1.3% in 2025, so take-home rose slightly this year.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Rhode Island paycheck rules for 2026
| State income tax, 2026 | 3 brackets from 3.75% to 5.99%; top rate from $186,450 of taxable income (single) |
|---|---|
| Deductions before tax | standard deduction $11,200 single, $22,400 joint; personal exemption $5,250 per person |
| Withholding certificate | Form RI W-4 |
| Bonus (supplemental) withholding | No separate flat rate: a bonus is taxed with your regular pay (aggregate method) |
| Mandatory payroll premiums | RI Temporary Disability Insurance (employee): 1.1% up to $100,000 |
| Local income taxes | None |
| Reciprocity agreements | None |
| Sales tax (for context) | 7.00% state, 7.00% average combined with local (rank 25 of 51) |
Worked example: $60,000 in Rhode Island
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Rhode Island income tax | -$62.81 |
| RI Temporary Disability Insurance (employee) | -$25.38 |
| Take-home pay | $1,849.88 |
Rhode Island take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Rhode Island |
|---|---|---|---|
| $40,000 | $1,269.11 | $32,997 | $1,323 |
| $60,000 | $1,849.88 | $48,097 | $2,293 |
| $100,000 | $2,882.00 | $74,932 | $4,248 |
| $150,000 | $4,100.69 | $107,168 | $6,623 |
Living and working in Rhode Island
Rhode Island's state sales tax is 7.00%; with local add-ons the average combined rate is 7.00%, ranked 25 of 51 as of July 2026.
Rhode Island indexes its brackets annually and has only three of them, so the top rate arrives at a moderate income.
In retirement: Rhode Island is one of the eight states that still tax Social Security, with an exemption available at full retirement age below an income threshold. Up to $20,000 of pension income is also exempt on the same test.
Rhode Island paycheck questions
How much is take-home pay on $60,000 in Rhode Island?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,849.88 a paycheck in Rhode Island ($48,097 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $62.81 to Rhode Island income tax and $25.38 to state payroll premiums. That is $2,293 a year less than the same salary in a state with no income tax or payroll premiums.
How much Rhode Island income tax comes out of each paycheck?
Three brackets (3.75%, 4.75%, 5.99%) with one schedule for every filing status. The standard deduction and exemption phase out between $261,000 and $290,800 of income. On a $60,000 salary that works out to about $62.81 every two weeks, an effective 2.72% of gross pay.
What else does Rhode Island take out of a paycheck?
RI Temporary Disability Insurance (employee): Employee-paid TDI/TCI for 2026: 1.1% of wages up to $100,000 (maximum $1,100). On $60,000 these total about $660 a year.
I live in another state but work in Rhode Island. Whose tax comes out?
Rhode Island has no reciprocal agreements, so your employer withholds Rhode Island tax on wages for work done in Rhode Island. Your home state normally gives a credit for tax paid to Rhode Island, so you are not taxed twice on the same pay, but you may need to file in both states.
How are bonuses withheld in Rhode Island?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Rhode Island: No separate flat rate: a bonus is taxed with your regular pay (aggregate method).
Which form sets my Rhode Island withholding?
Rhode Island uses Form RI W-4 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for Rhode Island
- Rhode Island income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator