Calculate your take-home pay in The Ocean State. Rhode Island income tax rate: 5.99%.
Rhode Island has three tax brackets from 3.75% to 5.99%. The standard deduction is $10,550 for single filers, with an additional $4,750 personal exemption (phases out at higher incomes). Rhode Island has no local income taxes.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Rhode Island State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Rhode Island has a progressive income tax with a top rate of 5.99%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Rhode Island has three brackets: 3.75%, 4.75%, and 5.99%. The top rate applies to income above $166,950 for single filers. The state partially taxes Social Security benefits (following federal rules, with an exemption for lower-income recipients). Rhode Island does not have local income taxes. The state offers a flat standard deduction of $10,550 for single filers.
Regardless of state taxes, all Rhode Island workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Rhode Island pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and RI state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Rhode Island's income tax ranges from 3.75% to 5.99%. The state's small size means most residents are within commuting distance of Providence or the Boston metro. Cost of living is above the national average, driven by housing and energy costs, though still lower than neighboring Massachusetts and Connecticut.
Rhode Island's compact geography means many residents can commute to Massachusetts or Connecticut. If you work across state lines, withholding rules get complicated. Compare paycheck impact across all three states using our calculators to understand your actual take-home pay.