Rhode Island Take-Home Pay Calculator (2026)
Rhode Island uses a progressive state income tax — multiple brackets, with the top rate of 5.99% applying only to the highest earners. The calculator below combines federal, FICA, and Rhode Island state tax to show your actual take-home pay.
Take-home pay
Net annual
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Per month
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Per biweekly paycheck
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Federal income tax
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FICA (SS + Medicare)
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Rhode Island state tax
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Other state payroll
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Effective tax rate
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Marginal rate (next $)
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Rhode Island tax brackets (2026)
| Rate | Single filer band |
|---|---|
| 3.75% | $0 – $82,050 |
| 4.75% | $82,050 – $186,450 |
| 5.99% | $186,450 – and up |
Extra Rhode Island payroll taxes
- Temporary Disability Insurance (TDI) — 1.200%, capped at $89,200.
What the calculator does
For each gross salary, it applies the 2026 federal brackets, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare on everything), then Rhode Island's state income tax using the brackets above, then sums any additional Rhode Island payroll taxes. Pre-tax deductions (401(k), HSA, etc.) reduce your taxable income before any of the above runs.
Source
Rhode Island Division of Taxation 2026. Verified 2026-06-08. For high-stakes financial decisions, double-check the current rates with your state's Department of Revenue.
FAQ
How is take-home pay in Rhode Island calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − Rhode Island state income tax − state payroll taxes like Temporary Disability Insurance (TDI). The calculator above runs each piece through the published 2026 brackets and rates.
What are Rhode Island's income tax brackets?
Rhode Island has 3 brackets ranging from 3.75% on the first dollars to 5.99% on the top dollars. Only the dollars in each band are taxed at that band's rate — a higher bracket doesn't mean your whole income gets the higher rate.
What other Rhode Island payroll taxes come out of my paycheck?
Rhode Island workers also pay: Temporary Disability Insurance (TDI) (1.200%, capped at $89,200). These are separate from federal FICA.
What about local city or county taxes in Rhode Island?
Rhode Island doesn't have widespread local income taxes for most workers, so the calculator above covers the main paycheck deductions. If you live in a city with a local income tax, add that separately.
Are these 2026 numbers accurate?
These brackets reflect the published 2026 rates as of January 2026. Each state's tax authority is cited in the page source. Rates can change mid-year via legislation; verify with your state's Department of Revenue before relying on these for financial decisions.