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Rhode Island Paycheck Calculator

Updated for 2026 tax year · figures checked on

Rhode Island withholds state income tax at 3.75%, 4.75% and 5.99%, and most workers also pay a Temporary Disability Insurance (TDI) deduction of 1.1%. This Rhode Island paycheck calculator, also a salary and take-home pay calculator, shows both next to federal income tax, Social Security and Medicare.

A single filer on a $60,000 salary, paid every two weeks with one RI W-4 allowance, has a $2,307.69 paycheck and takes home about $1,827.59, or $47,517 a year.

Take-home pay per bi-weekly paycheck

$1,827.59

$47,517.34 a year from $59,999.94 gross pay (26 paychecks)

  • Take-home 79.2%
  • Federal income tax 8.4%
  • Social Security 6.2%
  • Medicare 1.4%
  • State income tax 3.7%
  • Rhode Island TDI/TCI 1.1%
Paycheck breakdown per paycheck and per year in Rhode Island
ItemPer paycheckPer year
Gross pay$2,307.69$59,999.94
Federal income tax−$193.08−$5,020.08
Social Security−$143.08−$3,720.08
Medicare−$33.46−$869.96
State income tax−$85.10−$2,212.60
Rhode Island TDI/TCI−$25.38−$659.88
Take-home pay$1,827.59$47,517.34

Estimates for informational purposes only, based on 2026 withholding rules. Your actual paycheck may differ. This is not tax advice. Report an issue

Rhode Island salary calculator: what your result means

Your result is take-home pay after federal taxes, Rhode Island income tax and TDI. In the $60,000 example, federal income tax is about 8.4% of gross pay, Social Security and Medicare 7.7%, and Rhode Island income tax plus TDI 4.8%.

Rhode Island uses one set of withholding tables for single, married and head of household filers, so your filing status doesn't change the state line. Your RI W-4 allowances do; enter them under More options.

At $100,000 a year, take-home pay is about $2,853.76 every two weeks, or $74,198 a year. A $40,000 salary paid weekly comes to about $623.42 per paycheck.

How Rhode Island taxes your paycheck

Rhode Island withholding at a glance
State income tax on wagesGraduated rates (see below)
Rhode Island TDI/TCI1.1% employee rate of wages up to $100,000

Source: Rhode Island Division of Taxation, 2026 Withholding Tax Booklet (updated 11/04/2025; official document, archived copy dated 2026-01-24)

Rhode Island withholding rates, all filers schedule
  1. over $03.75%
  2. over $82,0504.75%
  3. over $186,4505.99%
Rhode Island withholding rates by taxable wages
ScheduleTaxable wages overRate
All filers$03.75%
$82,0504.75%
$186,4505.99%

Source: Rhode Island Division of Taxation, 2026 Withholding Tax Booklet (updated 11/04/2025; official document, archived copy dated 2026-01-24)

  • Each RI W-4 allowance lowers yearly withheld wages by $1,000, unless yearly wages are above $290,800. The same table applies to every filing status.

Employers subtract $1,000 a year for each RI W-4 allowance, then withhold 3.75% on yearly wages up to $82,050, 4.75% up to $186,450 and 5.99% above that. If your wages for the period work out to more than $290,800 a year, the allowances are worth nothing. No Rhode Island city or town taxes wages.

We treat 401(k), Section 125 health insurance, HSA and FSA deductions as lowering Rhode Island taxable wages, as they do federally, while we confirm the state's rule.

Temporary Disability Insurance

Rhode Island's TDI program, which also covers caregiver leave (TCI), is paid entirely by employees: 1.1% of the first $100,000 you earn in 2026. Employers don't contribute.

Unlike Social Security, TDI wages leave out your 401(k) contributions and Section 125 cafeteria plan deductions, so those lower your TDI too.

Things to know about Rhode Island paychecks

Federal taxes on every paycheck

Every US paycheck has the same three federal deductions, whichever state you work in. Together, Social Security and Medicare are called FICA (Federal Insurance Contributions Act) taxes.

  • Federal income tax withholding. Withholding is tax your employer takes out of each paycheck and sends to the IRS on your behalf. The amount depends on your pay and your Form W-4, using the IRS method in Publication 15-T. It is an estimate of your yearly tax; you settle the difference when you file your return.
  • Social Security. 6.2% of your wages, up to the wage base of $184,500 for the year. The wage base is the most pay that Social Security tax applies to.
  • Medicare. 1.45% of all your wages, with no limit. Once your pay from one employer passes $200,000 in a year, your employer also withholds an extra 0.9% Additional Medicare Tax on the amount above it.

Source: IRS Publication 15 (2026), (Circular E), Employer's Tax Guide.

Ways to change your paycheck

To change Rhode Island withholding, give your employer a new Form RI W-4. You claim 1 allowance for yourself, 1 if you can claim your spouse, 1 per dependent and any extra allowances, up to 10 in total. Line 2 lets you ask for an extra amount each paycheck.

If you have more than one job, the RI W-4 suggests claiming all your allowances at the highest-paying job and zero at the others. Bonuses paid separately can be withheld at 5.99%.

  • Update your Form W-4. Claiming dependents, checking the Step 2 box or asking for extra withholding changes how much federal tax comes out of each paycheck. The IRS Tax Withholding Estimator can help you fill it in.
  • Pre-tax deductions. Money you put into a traditional 401(k), an HSA or employer health insurance comes out before federal income tax, so your take-home pay drops by less than the amount you save.
  • Bonuses. Employers often withhold federal tax on a bonus paid separately at a flat rate. Add a bonus under More options to see it.

Rhode Island payroll rules

Minimum wage
$16.00 an hour in 2026, rising to $17.00 on January 1, 2027. Tipped workers can be paid a cash wage of $3.89 if tips make up the rest. (Source: Rhode Island DLT, Minimum Wage (official page, archived copy dated 2026-11-03))
Overtime
Time-and-a-half after 40 hours in a week, with some exceptions such as seasonal summer camps and police officers. (Source: Rhode Island DLT, Labor Standards FAQ (official page, archived copy dated 2025-12-21))
How often you must be paid
Most employers must pay weekly, and each payday must fall within nine days of the end of the pay period. Some employers can get permission to pay less often, but at least twice a month. (Source: US Department of Labor, State Payday Requirements (rev. January 1, 2023))
Final paycheck
When you leave or are let go, unpaid wages are due on the next regular payday. (Source: Rhode Island General Laws § 28-14-4, Payment on separation by employer (official page, archived copy dated 2026-09-28))

For employers in Rhode Island

State unemployment tax
Employers pay unemployment tax on the first $30,800 of each employee's wages ($32,300 at the highest rate). New employers pay 1.21%, including a 0.21% Job Development Assessment. Employees don't pay it. (Source: Rhode Island DLT, 2026 Tax Rates for Unemployment Insurance and Temporary Disability Insurance (official page, archived copy dated 2026-04-15))
New hire reporting
Employers must report new hires within 14 days of the start date. (Source: US Department of Health and Human Services, Office of Child Support Services, State New Hire Reporting Requirements)
State income tax withholding
Employers use their federal EIN for Rhode Island withholding. Employees must file Form RI W-4; the federal W-4 can't be used for Rhode Island. (Source: Rhode Island Division of Taxation, 2026 Withholding Tax Booklet (updated 11/04/2025; official document, archived copy dated 2026-01-24))

Every employer also pays the 0.21% Job Development Assessment on the same wage base as unemployment tax; it funds the Governor's Workforce Board and employment services.

Compare Rhode Island with neighboring states

Take-home pay on a $60,000 salary, single filer, paid bi-weekly, no pre-tax deductions
Per paycheck
Connecticut$2,617$47,772$1,837.40
Rhode Island$2,872$47,517$1,827.59
Massachusetts$2,956$47,433$1,824.36

Paycheck calculators for neighboring states: Connecticut, Massachusetts.

Most-searched state paycheck calculators

Rhode Island paycheck FAQ

What are Rhode Island's withholding rates in 2026?

3.75%, 4.75% and 5.99%, the same for every filing status.

How much is TDI in Rhode Island?

1.1% of the first $100,000 of wages in 2026, paid by employees only.

Can I use my federal W-4 for Rhode Island?

No. Rhode Island requires its own Form RI W-4.

When do I get my final paycheck in Rhode Island?

On the next regular payday, if you quit and if you were let go.

What is the minimum wage in Rhode Island?

$16.00 an hour in 2026 and $17.00 from January 1, 2027.

Is overtime taxed more in Rhode Island?

No. Overtime is taxed at the same rates as your other wages; a larger paycheck can mean more withholding that period.

Sources and methodology

Every rate and limit on this page comes from the official sources below, checked on . Read how our paycheck calculator works for the calculation order and its limits.