Rhode Island Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Rhode Island Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a RI net pay calculator by computing Federal withholding, FICA taxes, mandatory State Disability Insurance (TDI), and Rhode Island income tax (3.75% - 5.99%). Because RI mandates employee contributions to disability insurance, calculating your Rhode Island take-home pay requires accounting for this specific 1.1% deduction.
- State Tax Rate: 3.75% – 5.99% (Progressive)
- TDI Tax (Disability): 1.1% (Mandatory)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Rhode Island Paycheck Calculator Works
Our RI payroll tax calculator uses the latest 2026 tax formulas to convert your salary into take-home pay. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Rhode Island State Tax: Calculated using the specific 3-tier bracket system applicable to your taxable income.
- TDI (Temporary Disability Insurance): A mandatory state tax of 1.1% deducted from employee wages to fund disability benefits.
Rhode Island Income Tax Brackets (2026)
Rhode Island uses a progressive income tax system with three brackets. This makes the Rhode Island income tax calculator logic straightforward but layered.
Single Filer Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $73,450 | 3.75% |
| $73,451 – $166,950 | 4.75% |
| Over $166,950 | 5.99% |
Note: For Married Filing Jointly, income thresholds are generally doubled.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Rhode Island paystub calculator includes FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Rhode Island Paycheck After Taxes for $65,000 Salary
If you are a single filer in Providence or Warwick earning $65,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $6,900 |
| FICA (7.65%) | $4,972 |
| State Tax (3.75%) | $2,437 |
| RI TDI (1.1%) | $715 |
| Estimated Take-Home Pay | $49,976 |
Minimum Wage & Cost of Living
Rhode Island has a minimum wage significantly higher than the federal level ($14.00+ per hour in 2026). The cost of living is moderately high compared to the national average, particularly housing costs in coastal areas.
How to Increase Your Take-Home Pay
To maximize your Rhode Island salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, potentially dropping you into a lower tax bracket.
FAQs – Rhode Island Paycheck Calculator
What is the income tax rate in Rhode Island for 2026?
Rhode Island tax rates range from 3.75% to 5.99%. The lowest rate of 3.75% applies to the first ~$73,450 of taxable income for single filers.
What is the Rhode Island TDI tax?
Temporary Disability Insurance (TDI) is a mandatory tax on employees in RI. For 2026, the rate is 1.1% of gross wages (up to a taxable wage base limit).
Are there local city taxes in Rhode Island?
No. Rhode Island municipalities do not impose a local personal income tax on wages.