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Rhode Island Paycheck Guide

Rhode Island uses progressive tax brackets. Higher portions of pay are taxed at higher rates.

PI
Reviewed by PayslipIQ Editorial Team, in-house payroll editor
Last reviewed May 2026 · Editorial standards

In short

A Rhode Island paycheck has federal income tax, Social Security (6.2% up to the 2026 wage base of $184,500), and Medicare (1.45%), plus progressive Rhode Island state income tax. On a $65,000 single-filer salary, estimated Rhode Island take-home is about $50,118 a year, or $1,928 per biweekly paycheck.

PayslipIQ provides educational information and estimated calculations only. It does not provide tax, legal, financial, accounting, employment, benefits, or payroll advice. PayslipIQ is not a CPA firm, law firm, financial advisor, payroll provider, or tax authority. Always verify your paycheck, deductions, withholdings, and tax position with your employer's payroll department, a qualified CPA, the IRS, your state tax authority, or another appropriately qualified professional. Calculations are estimates; your actual paycheck may differ based on factors specific to your employer, location, benefits elections, and personal tax situation.

Rhode Island: the local picture

Rhode Island runs a graduated state income tax with a top rate of 5.99%. RI workers pay into Temporary Disability Insurance (TDI) and Temporary Caregiver Insurance (TCI), both visible on the pay stub.

Rhode Island Paycheck Calculator

Estimate take-home pay for Rhode Island.

Rhode Island State Tax

Rhode Island tax structure and rates.

Rhode Island Overtime

Federal FLSA applies.

Rhode Island Pay Stub Laws

Employer pay stub requirements in Rhode Island.

Rhode Island take-home pay by salary (2026)

See estimated Rhode Island take-home for common salaries. Each page has a full federal, FICA, and Rhode Island breakdown with per-paycheck figures.

$40,000 after tax$50,000 after tax$60,000 after tax$75,000 after tax$90,000 after tax$100,000 after tax$125,000 after tax$150,000 after tax
All Rhode Island salariesRhode Island gross-to-net calculator

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)$2,500.00
Federal income tax-$216.15
Social Security (6.2%)-$155.00
Medicare (1.45%)-$36.25
Rhode Island state tax-$137.50
Estimated take-home$1,927.60

Run your own numbers in the Rhode Island paycheck calculator.

Authoritative sources

Next steps

Want to go further?

The calculators and guides here are free. If you want a closer look at one specific stub, these optional next steps go deeper.

Premium pay stub report
A detailed one-off PDF that walks through every line on one stub, with a verify-with-payroll checklist.
Monthly paycheck monitor
Track each stub against the last one and get a plain-English alert when something shifts.
Talk to a CPA or EA
For anything that affects your taxes, find a credentialed professional through the IRS and state directories.

How PayslipIQ stays free: the tools and guides are free to use. PayslipIQ offers optional paid reports and monitoring, and links to independent CPA and tax-preparer directories. It is not affiliated with the IRS, the SSA, any employer, or any payroll provider, and does not sell user data. Educational only, not tax, legal, or financial advice.

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.