Rhode Island Paycheck Calculator

Five lines come out of a typical Rhode Island paycheck: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), Rhode Island income tax, and temporary disability and caregiver insurance. No Rhode Island city or town taxes wages, and the state has no reciprocity agreements with other states. Anything else on your stub is your own election: 401(k), health premiums, HSA, and similar benefits.

The Division of Taxation formula annualizes your pay and subtracts $1,000 for each allowance on your RI W-4, up to 10. The rest runs through one schedule: 3.75% up to $82,050, $3,076.88 plus 4.75% up to $186,450, and $8,035.88 plus 5.99% above. Married and head-of-household filers use the same brackets as single filers. Once annual wages exceed $290,800, every allowance is worth $0. A federal W-4 cannot stand in for the RI W-4; enter your RI W-4 count in the Rhode Island exemptions field.

TDI shows as a separate line labeled temporary disability and caregiver insurance. The calculator applies the 2026 employee rate to gross wages less Section 125 benefits, such as pre-tax health premiums, up to the annual wage cap; both figures appear in the rates table on this page. Once your wages for the year pass the cap, the line drops to zero for the remaining paychecks.

Bonuses paid separately from regular wages are withheld at 5.99%, the top bracket rate, and this site's bonus calculator applies that rate for Rhode Island. For 2026 the Division of Taxation indexed the bracket thresholds from $79,900 and $181,650 to $82,050 and $186,450, and raised the allowance cutoff from $283,250 to $290,800.