Rhode Island uses progressive tax brackets. Higher portions of pay are taxed at higher rates.
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How a Rhode Island paycheck is built
Every Rhode Island worker pays federal income tax, calculated on the W-4 you submitted to your employer using the IRS Publication 15-T tables. Federal income tax is followed by FICA: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies once year-to-date wages cross $200,000 single or $250,000 married filing jointly.
Rhode Island adds progressive state income tax. The bracket you fall into depends on filing status and taxable income. Verify current brackets with the Rhode Island Division of Taxation.
State Disability Insurance: Rhode Island has employee-paid SDI premiums. The amount and cap are set by the state and shown as a separate line on your stub.
What changed recently in Rhode Island
- TDI/TCI premium adjusted annually, around 1.1% of taxable wages.
- No state-level income tax rate change.
- TCI program expanded in 2023.
Rhode Island payroll quirks workers should know
- TDI/TCI line on every Rhode Island paycheck.
- No local income tax.
Example breakdown
A hypothetical Rhode Island worker on a $65,000 annual salary, paid bi-weekly, single filer, no extra adjustments. Educational only, your real paycheck differs.
| Gross (bi-weekly) | $2500.00 |
| Federal income tax | -$250.00 |
| Social Security (6.2%) | -$155.00 |
| Medicare (1.45%) | -$36.25 |
| Rhode Island state tax | -$112.50 |
| Estimated take-home | $1946.25 |
Run your own numbers in the Rhode Island paycheck calculator.
Authoritative sources
Frequently asked questions
- Does Rhode Island have state income tax?
- Yes. Rhode Island uses progressive brackets. Verify with the Rhode Island Division of Taxation.
- Are there local income taxes in Rhode Island?
- No. Rhode Island does not have local income taxes on wages.
- Does Rhode Island have State Disability Insurance or Paid Family Leave premiums?
- Rhode Island has employee-paid SDI premiums.
- Does Rhode Island have daily-overtime rules?
- No. Rhode Island follows federal FLSA: 1.5x for hours above 40 in a workweek.
- What is FICA on a Rhode Island paycheck?
- FICA is federal: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies above $200,000 single or $250,000 married filing jointly. FICA applies in every state.
- Where do I verify Rhode Island state tax withholding?
- The Rhode Island Division of Taxation (https://tax.ri.gov/) is the authoritative source. For your specific paycheck, contact your employer's payroll team or a CPA.
- What is TDI/TCI on my Rhode Island paycheck?
- Temporary Disability Insurance and Temporary Caregiver Insurance. Funds short-term disability and family caregiver benefits. About 1.1% of taxable wages, employee-only contribution.