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Rhode Island Paycheck Calculator (2026)

Estimate your Rhode Island take-home pay after federal tax, FICA, RI state income tax, and TDI/TCI.

How this calculator works

Like the Texas calculator, this estimates federal tax and FICA the same way; Rhode Island doesn’t change those. On top of that, it computes Rhode Island’s own state income tax, using RI’s own standard deduction, personal exemption, and bracket schedule, both of the first two phasing out completely for high earners, plus RI TDI/TCI, a 1.1% payroll tax that funds the state’s disability and caregiver-leave benefits.

The formula

(federal tax, FICA, and net-pay assembly are identical to the Texas calculator)

riStandardDeduction = phase out $11,200 single / $22,400 joint by 20 percentage points
                     per $7,450 that Modified AGI exceeds $261,000, reaching $0 above $290,800
riExemption         = same phase-out, applied to $5,250 per exemption (1 single, 2 joint)
riTaxableIncome     = max(0, wagesAfterPretax − riStandardDeduction − riExemption)
riIncomeTax         = 2026 RI bracket schedule applied to riTaxableIncome
                    (3.75% / 4.75% / 5.99%, SAME thresholds for every filing status)

riTdi = 1.1% × ficaWages, capped at $100,000 of wages ($1,100.00 max)

stateTax = riIncomeTax + riTdi

Worked example

A single filer earning $60,000/year, paid biweekly, with no 401(k) or extra deductions:

  • FICA: $4,590.00/year (same as any state)
  • Federal tax: $5,020.00/year (same as any state)
  • RI standard deduction and exemption: well below the $261,000 phase-out threshold, so the full $11,200 deduction and $5,250 exemption apply
  • RI taxable income: $60,000 − $11,200 − $5,250 = $43,550, entirely inside the 3.75% bracket → RI income tax = $1,633.13/year
  • RI TDI/TCI: 1.1% × $60,000 = $660.00/year
  • Net pay: $60,000 − $4,590 − $5,020 − $1,633.13 − $660 = $48,096.87/year, or $1,849.11 per biweekly paycheck

We cross-checked this against SmartAsset’s Rhode Island Paycheck Calculator for the same inputs (accessed 2026-08-25): it showed RI state income tax of $63/period (annualized about $1,638) and TDI of $25/period (annualized about $650), within $5 to $10 a year of our figures. The small gap comes from SmartAsset’s per-period rounding and its own withholding-table approach, the same annual-liability-vs-per-paycheck-withholding gap described on our Texas calculator.

Frequently asked questions (FAQ)

Why does Rhode Island use the same tax brackets for single and married filers?

Most states double their bracket thresholds for joint filers, but Rhode Island does not. Its 2026 tax rate schedule is published as one table for every filing status, so a married couple reaches the 4.75% and 5.99% brackets at the exact same combined income as a single filer would.

What is RI TDI/TCI, and why is it deducted from my paycheck?

TDI (Temporary Disability Insurance) and TCI (Temporary Caregiver Insurance) are a single, state-run, employee-funded payroll tax. TDI replaces wages if you can't work due to a non-work illness or injury; TCI, part of the same program, pays for time bonding with a new child or caring for a sick family member. The 2026 rate is 1.1% of wages, capped at $100,000.

Does my Rhode Island standard deduction shrink as I earn more?

Yes. Rhode Island's standard deduction and personal exemption both phase out once your income passes $261,000, dropping in four steps (80%, 60%, 40%, then 20% of the base amount) as you cross each $7,450 band, disappearing entirely once your income is more than $290,800.

What are Rhode Island's 2026 tax brackets?

Three brackets: 3.75% up to $82,050 of taxable income, 4.75% from $82,050 to $186,450, and 5.99% above $186,450. Unlike most states, these dollar thresholds are identical whether you file single, jointly, or head of household.

Does Rhode Island have local or city income taxes?

No. Rhode Island has no city, town, or county income tax anywhere in the state. Your only income tax deductions are federal and Rhode Island state tax, alongside FICA and TDI/TCI payroll taxes.

Are tips and overtime tax-free in Rhode Island?

No. The federal 2025-2028 "no tax on tips" and "no tax on overtime" deductions only reduce your federal taxable income. Rhode Island has not adopted matching state deductions, so tips and overtime remain fully taxable on your Rhode Island return.

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