How Rhode Island Taxes Your Paycheck
Rhode Island uses a progressive income tax with 3 brackets. Rates start at 3.75% on the lowest earnings and rise to 5.99% on income above $181,650 for single filers.
Rhode Island's 1.3% TDI is the highest paid family leave rate in the country.
Rhode Island SDI / Paid Leave
Rhode Island Temporary Disability Insurance (TDI/TCI) is 1.1% on wages up to the first $100,000 in 2026 (down from 1.3% on $89,200 in 2025; max annual contribution $1,100).
Rhode Island Job Market Context
Healthcare, education (Brown University), and a large defense industry presence; the Naval War College is in Newport.
Top Cities in Rhode Island
The largest population centers in Rhode Island:
- Providence — 191,000 residents
- Cranston — 82,000 residents
- Warwick — 82,000 residents
How Rhode Island Compares to Neighboring States
Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:
| State | Take-Home | vs. Rhode Island |
|---|---|---|
| Rhode Island (here) | $59,380 | — |
| Connecticut | $59,043 | -$338 |
| Massachusetts | $58,063 | -$1,318 |
Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.
Frequently Asked Questions
What's the Rhode Island state income tax rate?
Rhode Island has progressive income tax brackets ranging from 3.75% to 5.99%. Most middle-income earners hit the middle brackets; the top rate applies only above $181,650.
How much is taken out of my paycheck in Rhode Island?
For a single filer earning $75,000 in Rhode Island (2026), expect roughly $7,670 in federal income tax, $5,738 in FICA, and $2,213 in Rhode Island state tax — leaving about $59,380 take-home (20.8% effective tax rate). SDI/PFML and local taxes (if any) come out of that as well.
Is the Rhode Island median household income enough to live comfortably?
The 2023 ACS reported a Rhode Island median household income of about $83,500. Whether that's "comfortable" depends heavily on city — Providence cost of living can differ substantially from rural areas. Use the calculator above to model your specific salary and deductions.
How does this Rhode Island paycheck calculator work?
We calculate your annualized gross pay based on the pay frequency you select, then apply the 2025 or 2026 IRS percentage method for federal income tax, the Rhode Island state tax schedule (if any), Social Security, and Medicare. Pre-tax deductions like 401(k) and Section 125 health premiums reduce your taxable base before withholding is computed. You can switch between salary and hourly modes; hourly mode applies time-and-a-half to hours over 40/week prorated by pay period.