Sources & Methodology
Methodology: Federal income tax calculated using 2024 progressive brackets after subtracting federal standard deduction (single $14,600 / married $29,200 / HoH $21,900) and pre-tax deductions. RI state tax calculated using 2024 brackets (3.75% / 4.75% / 5.99%) after RI standard deduction (single $9,800 / married $17,400) and personal exemption ($4,450 per person). Social Security: 6.2% on wages up to $168,600 wage base. Medicare: 1.45% flat plus 0.9% additional on wages over $200,000 (single) or $250,000 (married). RI TDI: 1.1% on wages up to $87,000. Pre-tax deductions reduce federal and state taxable income. Post-tax deductions reduce net pay only. Per-paycheck amounts based on selected pay frequency. Results are estimates; consult a tax professional for exact withholding.
Last reviewed: March 2026 — RI tax brackets and TDI rate verified against RI Division of Taxation 2024 publications and IRS Publication 15-T.
Rhode Island Paycheck Calculator — Complete Guide to RI Take-Home Pay
Understanding your Rhode Island take-home pay requires accounting for five separate deductions: federal income tax, Rhode Island state income tax, Social Security, Medicare, and the Rhode Island TDI (Temporary Disability Insurance) contribution. This Rhode Island paycheck calculator applies the current 2024-2025 rates from the IRS and RI Division of Taxation to give you an accurate estimate of what you actually take home each pay period.
Rhode Island State Income Tax Rates 2025 -- Tax Brackets Explained
Rhode Island uses a progressive income tax system with three brackets. Only the income within each bracket is taxed at that rate -- not your entire income. Taxable income is calculated after subtracting the RI standard deduction and personal exemption from your gross wages.
| RI Taxable Income | Tax Rate | Tax on Bracket | Filing Status |
|---|
| $0 to $73,450 | 3.75% | Up to $2,754 | All filers |
| $73,450 to $166,950 | 4.75% | Up to $4,441 | All filers |
| Over $166,950 | 5.99% | Unlimited | All filers |
Rhode Island TDI -- What Is It and How Much Is It?
Rhode Island Temporary Disability Insurance (TDI) is a mandatory payroll deduction for all Rhode Island employees. The 2024 rate is 1.1% on the first $87,000 of wages. An employee earning $65,000 pays $715 per year in TDI. An employee earning $87,000 or more pays the maximum of $957 per year. TDI is funded entirely by employee contributions -- employers do not contribute. In return, eligible Rhode Island workers can receive up to 30 weeks of partial wage replacement if they become temporarily disabled due to a non-work-related illness or injury.
All Rhode Island Paycheck Deductions at a Glance
| Deduction | Rate | Wage Cap | Example ($65K salary) |
|---|
| Federal Income Tax | 10% - 37% | No cap | ~$6,141/year |
| RI State Income Tax | 3.75% - 5.99% | No cap | ~$1,903/year |
| Social Security | 6.2% | $168,600 | $4,030/year |
| Medicare | 1.45% | No cap | $943/year |
| RI TDI | 1.1% | $87,000 | $715/year |
| Total Deductions | ~21% | -- | ~$13,732/year |
RI Take-Home Pay by Salary Level -- Quick Reference
| Annual Salary | Est. Net Annual | Biweekly Take-Home | Effective Rate |
|---|
| $40,000 | ~$33,500 | ~$1,288 | ~16.2% |
| $55,000 | ~$44,200 | ~$1,700 | ~19.6% |
| $75,000 | ~$58,500 | ~$2,250 | ~22.0% |
| $100,000 | ~$75,200 | ~$2,892 | ~24.8% |
| $150,000 | ~$106,800 | ~$4,108 | ~28.8% |
How to Increase Your Rhode Island Take-Home Pay
Maximize pre-tax 401(k) contributions: Contributing to a traditional 401(k) reduces both federal and RI state taxable income dollar for dollar. The 2024 contribution limit is $23,000 ($30,500 if age 50 or older). At a combined marginal rate of roughly 27% (federal 22% + RI 4.75%), each $1,000 contributed saves approximately $270 in taxes while building retirement savings.
Use HSA contributions if eligible: Health Savings Account contributions are triple tax-advantaged -- deductible on federal taxes, excluded from FICA, and grow tax-free. The 2024 HSA limit is $4,150 for individuals and $8,300 for families. Rhode Island follows federal HSA rules and these contributions are deductible from RI state income as well.
💡 RI-specific tip -- TDI also covers Caregiver Leave: Rhode Island was the first state to expand TDI to cover paid family leave (called RI Caregiver Leave or TCI -- Temporary Caregiver Insurance). Your TDI contributions also fund up to 6 weeks of paid leave to bond with a new child, care for a seriously ill family member, or care for a family member on active military duty. This benefit is unique to Rhode Island and represents significant value from your 1.1% TDI contribution.
Frequently Asked Questions
How much is taken out of a paycheck in Rhode Island? +
Rhode Island residents pay federal income tax (10-37%), Rhode Island state income tax (3.75-5.99%), Social Security (6.2%), Medicare (1.45%), and Rhode Island TDI at 1.1% on wages up to $87,000. A single filer earning $65,000 typically takes home about $51,000 to $52,000 annually after all deductions, an effective total tax rate of about 21%. Higher earners pay higher effective rates due to progressive federal and state brackets.
What is the Rhode Island state income tax rate? +
Rhode Island has three income tax brackets: 3.75% on taxable income up to $73,450, 4.75% on income between $73,450 and $166,950, and 5.99% on income above $166,950. Taxable income is calculated after subtracting the RI standard deduction ($9,800 for single, $17,400 married) and personal exemption ($4,450 per person). Most middle-income Rhode Island residents pay an effective state rate of 3.5% to 4.5%.
What is Rhode Island TDI tax? +
Rhode Island TDI stands for Temporary Disability Insurance. It is a mandatory employee payroll deduction at 1.1% on wages up to $87,000 (2024). The maximum annual contribution is $957. TDI provides partial wage replacement if you become temporarily disabled by a non-work illness or injury. Rhode Island TDI also funds the Temporary Caregiver Insurance (TCI) program providing up to 6 weeks of paid family leave.
Does Rhode Island have a flat income tax? +
No. Rhode Island uses a progressive income tax system with three brackets at 3.75%, 4.75%, and 5.99%. Only the income within each bracket is taxed at that rate, not your entire income. This means a Rhode Island resident earning $100,000 pays 3.75% on the first portion of taxable income and 4.75% on the portion above $73,450 of taxable income, not 4.75% on the entire amount.
What is the Rhode Island standard deduction? +
The Rhode Island standard deduction is $9,800 for single filers and $17,400 for married filing jointly (2024). Rhode Island also provides a personal exemption of $4,450 per person. A single filer receives $9,800 plus $4,450 equals $14,250 in combined deductions before the RI tax brackets apply. A married couple receives $17,400 plus $8,900 in exemptions for $26,300 total.
Is Rhode Island a high tax state? +
Rhode Island is considered a moderately high tax state. Its top income tax rate of 5.99% is above the national average. Rhode Island also has high property taxes and a 7% sales tax. However Rhode Island does not impose local income taxes on top of state income tax, which offsets some of the burden compared to states like New York or Pennsylvania where cities add their own income tax.
How often are paychecks issued in Rhode Island? +
Rhode Island law requires employers to pay employees at least twice per month (semi-monthly). Many employers pay biweekly resulting in 26 paychecks per year. Weekly pay is also common in manufacturing and retail. A $65,000 annual salary produces a gross paycheck of $2,500 biweekly or $1,250 weekly before deductions. After all Rhode Island and federal deductions, a $65,000 earner takes home approximately $1,972 biweekly.
How do I calculate my Rhode Island take-home pay? +
Start with gross wages, subtract pre-tax deductions (401k, health insurance, FSA). Calculate federal income tax using current IRS brackets after federal standard deduction. Calculate RI state tax using RI brackets after RI standard deduction and exemption. Subtract Social Security (6.2%), Medicare (1.45%), and RI TDI (1.1% up to $87,000). Subtract any post-tax deductions. The result is your net take-home pay per period.