Rhode Island Paycheck Calculator

Rhode Island's income tax uses three brackets — 3.75%, 4.75%, and 5.99% — with the same dollar thresholds ($82,050 and $186,450) applying to every filing status, confirmed via multiple independent sources checked during this page's research. That's a genuinely different structure than most progressive-tax states, which typically widen (often roughly double) their bracket thresholds for married filing jointly.

The practical effect is similar to Delaware's and Virginia's own unwidened-bracket structures elsewhere on this site: a married Rhode Island couple's tax reduction relative to a single filer at the same combined income comes entirely from the doubled standard deduction ($22,400 versus $11,200), not from a separately widened bracket schedule.

At this calculator's own $75,000 worked-example income, a single filer stays within the first 3.75% bracket entirely (below the $82,050 threshold), so the effective rate at that income is essentially flat, even though the underlying structure is technically progressive with three distinct rates.

Beyond income tax, Rhode Island runs TDI (Temporary Disability Insurance), one of the longest-established state disability insurance programs in the country. Unlike Colorado's FAMLI or Connecticut's PFMLA, both relatively recent programs, Rhode Island's TDI has existed for decades as a wage-replacement mechanism for workers unable to work due to a non-work-related disability.

The RI Department of Labor and Training's own 2026 press release confirms two notable changes for this year: the contribution rate actually decreased, from 1.3% in 2025 to 1.1% for 2026, while the taxable wage base increased sharply, from $89,200 in 2025 to $100,000 for 2026 — a 12.5% jump. The net effect on the maximum possible contribution is a modest decrease, from $1,159.60 in 2025 to $1,100.00 in 2026, per the same official source.

Like Connecticut's PFMLA, Rhode Island's TDI is 100% employee-funded — there's no employer contribution component, unlike Colorado's FAMLI or Minnesota's Paid Leave, which split the premium between employer and employee. This calculator models the full 1.1% employee contribution as its own separate tdi line.

This calculator's Rhode Island figures cover federal income tax, Rhode Island's three-bracket state income tax, TDI, and the two federal FICA taxes — a complete accounting of the standard payroll withholding categories that apply broadly to Rhode Island wage earners. Rhode Island does not levy local city or county income taxes on top of the state rate, so this calculator's stateTax and tdi figures together represent a reasonably complete state-and-local withholding picture.

A worker comparing a Rhode Island paycheck to a neighboring state's should note that TDI is a real, mandatory deduction that doesn't exist in every state — a comparison to a state without a comparable disability-insurance program would need to account for this extra line specifically, not just the income-tax rate difference.

Anyone budgeting around a Rhode Island job offer at a salary above $100,000 should also note that TDI's contribution caps out once wages exceed that threshold, so the effective TDI burden as a percentage of total income actually declines for higher earners, a similar wage-capped structure to Social Security itself.