Rhode Island Paycheck Calculator 2026
Enter your pay and your RI W-4 exemptions to see what lands in your bank account. Rhode Island taxes wages at 3.75%, 4.75% and 5.99% in 2026, and takes 1.1% for disability insurance - we show every step.
How much does Rhode Island take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Rhode Island takes $110.48 of each $2,307.69 paycheck - 4.8% of pay, including RI Temporary Disability Insurance (TDI/TCI). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $480.10 comes out in all - 20.8% - and you keep $1,827.59.
= $913.80 a week · $3,959.78 a month · $47,517.40 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Rhode Island income tax · withheld−$85.10−$2,212.60
3.75%, 4.75% and 5.99%, one table for every filing status. Worked out with Rhode Island's official 2026 withholding tables, step by step:
| Pay subject to Rhode Island tax this paycheck · same as federal: after pre-tax 401(k) and benefits | $2,307.69 |
| Minus RI W-4 exemptions · 1 × $38.46 ($1,000 a year ÷ 26) | −$38.46 |
| Pay for the withholding table · Table 2, all filing statuses | $2,269.23 |
| 3.75% of that pay | $85.10 |
| Rhode Island income tax this paycheck | $85.10 |
Pay for the table: $2,269.23, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $3,156 | $0.00 | 3.75% Your row |
| $3,156 | $7,171 | $118.35 | 4.75% |
| $7,171 | - | $309.06 | 5.99% |
$0.00 + 3.75% × ($2,269.23 − $0.00) = $85.10
Source: RI Division of Taxation - 2026 Rhode Island Employer's Income Tax Withholding Tables · checked Oct 16, 2026
RI Temporary Disability Insurance (TDI/TCI) · 1.1%−$25.38−$660.00
RI Temporary Disability Insurance (TDI/TCI): an employee-paid Rhode Island payroll program, taken as a share of your pay (1.1%).
Source: RI Division of Taxation - 2026 Rhode Island Employer's Income Tax Withholding Tables · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
What comes out of a Rhode Island paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
Two Rhode Island lines come out of your paycheck: state income tax and Temporary Disability Insurance (TDI).
Rhode Island has a graduated income tax with three rates: 3.75%, 4.75% and 5.99%. Employers withhold it with the Division of Taxation's percentage method:
- Start with your pay subject to income tax for this paycheck. A traditional 401(k) or pre-tax health plan that is left out of your federal taxable wages is left out here too.
- Subtract your RI W-4 exemptions. Each one is worth $1,000 a year - $19.23 a week or $38.46 every two weeks.
- Look up what's left in the table for your pay period. There is one table for everyone, whatever your filing status. Over a year, the first $82,050 is taxed at 3.75%, pay up to $186,450 at 4.75%, and anything above that at 5.99%.
- Add any extra amount you asked for on line 2 of your RI W-4.
The Division's own example: a weekly paycheck of $2,195 with one exemption. Take off $19.23 to get $2,175.77. The first $1,578 is taxed at 3.75% ($59.18) and the other $597.77 at 4.75% ($28.39), so $87.57 is withheld.
TDI is paid only by workers. In 2026 it is 1.1% of your pay, up to $100,000 of pay for the year, so it stops at $1,100. Temporary Caregiver Insurance, for bonding with a new child or caring for a seriously ill family member, is part of TDI - there's no separate charge.
What's different about Rhode Island
Small exemptions that stop at high pay
A Rhode Island withholding exemption is worth only $1,000 a year, so the exemptions you claim change your withholding by a little. And once your pay passes $290,800 a year ($5,592.31 in a week), each exemption is worth nothing at all, so your whole paycheck goes through the table. The RI W-4 warns about this too.
Your RI W-4
Rhode Island has its own withholding form, the RI W-4, and employers must ask for it as well as the federal W-4. On line 1 you count 1 for yourself if no one else can claim you as a dependent, 1 for a spouse you can claim, 1 for each other dependent and any extra allowances you want - at most 10. Line 2 is for an extra dollar amount to withhold each payday. Line 3 is for workers who owed no Rhode Island tax last year and expect to owe none this year, and for some military spouses.
Bonuses
When a bonus or commission is paid separately from your regular wages, Rhode Island's withholding rate for it is a flat 5.99%.
Paydays and your last paycheck
Most Rhode Island employers must pay every week. Some employers have an exception, and they must pay at least twice a month. Each payday must fall within 9 days of the end of the pay period. If you quit or are let go, your unpaid wages are due on the next regular payday; if the business closes, within 24 hours. If you think you were not paid what you earned, you can file a wage complaint with the Department of Labor and Training.
Rhode Island salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Rhode Island?
About $28,642 a year - $1,101.63 every two weeks, or about $2,387 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $1,660 in Rhode Island taxes; you keep 82%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Rhode Island?
About $36,193 a year - $1,392.01 every two weeks, or about $3,016 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $2,145 in Rhode Island taxes; you keep 80%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Rhode Island?
About $43,743 a year - $1,682.41 every two weeks, or about $3,645 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $2,630 in Rhode Island taxes; you keep 80%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Rhode Island?
About $47,517 a year - $1,827.59 every two weeks, or about $3,960 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $2,873 in Rhode Island taxes; you keep 79%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Rhode Island?
About $51,292 a year - $1,972.79 every two weeks, or about $4,274 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $3,115 in Rhode Island taxes; you keep 79%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Rhode Island?
About $57,993 a year - $2,230.48 every two weeks, or about $4,833 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,600 in Rhode Island taxes; you keep 77%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Rhode Island?
About $61,268 a year - $2,356.43 every two weeks, or about $5,106 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $3,842 in Rhode Island taxes; you keep 77%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Rhode Island?
About $67,748 a year - $2,605.69 every two weeks, or about $5,646 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $4,397 in Rhode Island taxes; you keep 75%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Rhode Island?
About $74,198 a year - $2,853.76 every two weeks, or about $6,183 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $4,982 in Rhode Island taxes; you keep 74%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Rhode Island?
About $87,318 a year - $3,349.93 every two weeks, or about $7,277 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $5,932 in Rhode Island taxes; you keep 73%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Rhode Island?
About $106,434 a year - $4,072.47 every two weeks, or about $8,870 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $7,357 in Rhode Island taxes; you keep 71%. Try $150,000 with your own W-4 and deductions.
Rhode Island vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Connecticut | $2,617 | $47,773 | +$255 |
| Rhode Island | $2,873 | $47,517 | - |
| Massachusetts | $2,956 | $47,434 | −$83 |
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Rhode Island moved its tax brackets up for inflation for 2026 and cut the TDI rate.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- Wider brackets. The 4.75% rate now starts at $82,050 (was $79,900) and the 5.99% rate at $186,450 (was $181,650).
- TDI: 1.1%, down from 1.3%, on up to $100,000 of pay (was $89,200).
- Minimum wage: $16.00, up from $15.00.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
More for Rhode Island
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Rhode Island ranks on $75,000 · Pay stub checker · W-4 guide
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- RI Division of Taxation - 2026 Rhode Island Employer's Income Tax Withholding Tables - percentage method: one exemption $1,000 a year ($19.23 weekly), $0 if annual wages exceed $290,800; tables 3.75% / 4.75% / 5.99% for all filing statuses; worked example $2,195 weekly → $87.57; supplemental rate 5.99%; wages subject to federal withholding
- RI Division of Taxation - Advisory ADV 2025-22, Inflation adjustments for tax year 2026 - brackets $82,050 and $186,450; exemption $5,250; phase-out $261,000 to $290,800
- RI Division of Taxation - Form RI W-4, Employee's Withholding Allowance Certificate (2026) - line 1 exemptions A–E (at most 10); exemption phased out to zero if annual wages exceed $290,800; line 2 additional withholding; line 3 exempt
- RI Division of Taxation - Employer's withholding regulation (280-RICR-20-55-10) - withholding applies when wages are subject to federal income tax withholding and earned for work in Rhode Island
- RI Division of Taxation - Advisory ADV 2024-26, Inflation adjustments for tax year 2025 - 2025 brackets $79,900 and $181,650
- RI Department of Labor and Training - 2026 tax rates for Unemployment Insurance and Temporary Disability Insurance (Dec. 18, 2025) - TDI employee rate 1.1% for 2026 on a $100,000 taxable wage base, maximum $1,100; TCI is part of TDI
- RI Department of Labor and Training - TDI/TCI for employers - financed entirely by employee payroll deductions; $100,000 taxable wage base, 1.1% for 2026
- RI Department of Labor and Training - 2025 tax rates for UI and TDI - 2025 TDI 1.3% on $89,200
- R.I. Gen. Laws § 28-12-3 - Minimum wages - $15.00 from Jan. 1, 2025; $16.00 from Jan. 1, 2026; $17.00 from Jan. 1, 2027
- R.I. Gen. Laws § 28-12-5 - Employees receiving gratuities - cash wage not less than $3.89 an hour from Jan. 1, 2017
- RI Department of Labor and Training - Minimum wage poster, effective January 1, 2026 - $16.00; employees receiving gratuities $3.89; overtime 1 1/2 times after 40 hours in a work week
- U.S. Department of Labor - Minimum Wages for Tipped Employees - Rhode Island: $16.00 combined rate, $12.11 tip credit, $3.89 cash wage
- RI Department of Labor and Training - Labor Standards FAQ - most employers pay weekly; employers with an exception pay at least twice a month; overtime after 40 hours; wage complaints
- R.I. Gen. Laws § 28-14-2 - Payment of wages - regular payday within nine days of the end of the payroll period
- R.I. Gen. Laws § 28-14-4 - Payment of wages upon separation - unpaid wages due on the next regular payday; within 24 hours if the business closes
Questions
How much does Rhode Island take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Rhode Island takes $110.48 of each $2,307.69 paycheck - 4.8% of pay, including RI Temporary Disability Insurance (TDI/TCI). With federal income tax ($193.08) and Social Security and Medicare ($176.54), $480.10 comes out in all - 20.8% - and you keep $1,827.59.
What is the Rhode Island income tax rate in 2026?
3.75% on taxable income up to $82,050, 4.75% up to $186,450, and 5.99% above that. The same brackets apply to every filing status.
How much is taken out of a $1,000 paycheck in Rhode Island?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $36.06 of Rhode Island income tax, leaving $838.36. Enter your own details in the calculator for your exact figure.
How much is a Rhode Island withholding exemption worth?
$1,000 a year, split across your paychecks - $19.23 a week. If your pay is more than $290,800 a year, it is worth nothing.
What is TDI on my Rhode Island pay stub?
Temporary Disability Insurance, which includes Temporary Caregiver Insurance. Workers pay 1.1% of their pay up to $100,000 a year in 2026, so $1,100 at most.
When do I get my last paycheck in Rhode Island?
On the next regular payday, whether you quit or were let go. If the business closes, within 24 hours.