How much is taken out of a paycheck in Rhode Island?
A Rhode Island paycheck loses federal income tax, 7.65% FICA, the state income tax of 3.75% to 5.99%, and the state Temporary Disability Insurance (TDI) contribution of 1.1%. A single filer earning $60,000 keeps about $48,097 a year, roughly a 19.8% effective rate, after about $1,633 of state tax and $660 of TDI. There is no local income tax in Rhode Island, but the TDI line is one many paycheck calculators leave out.
What is Rhode Island's income tax rate for 2026?
Rhode Island has three graduated rates for 2026, the same for every filing status: 3.75% on taxable income up to $82,050, 4.75% from there to $186,450, and 5.99% above that. Most workers stay entirely in the 3.75% bracket. The rate applies after Rhode Island's standard deduction ($11,200 single, $22,400 joint) and a $5,250 exemption per person, so the effective state rate is lower than the headline rate.
What is the TDI deduction on my Rhode Island paycheck?
TDI is Rhode Island's Temporary Disability Insurance, an employee-paid payroll tax that funds benefits if you cannot work due to illness or injury. For 2026 the rate is 1.1% of your wages up to a $100,000 wage base, so the most anyone pays is $1,100 for the year. A $60,000 earner pays about $660. Rhode Island is one of only a few states with an employee TDI tax, which is why generic calculators often miss it.
Did Rhode Island cut its TDI rate for 2026?
Yes. Rhode Island lowered the employee TDI rate from 1.3% in 2025 to 1.1% for 2026, though it also raised the wage base from $89,200 to $100,000. For most workers the rate cut wins: a single filer earning $60,000 pays about $120 less in TDI than in 2025. Very high earners see a smaller saving because more of their wages are now covered by the higher base.
How much is $60,000 after taxes in Rhode Island?
About $48,097 a year for a single filer in 2026, close to $4,008 a month or $1,850 on a biweekly check, after federal tax, FICA, about $1,633 of state tax and $660 of TDI. There is no local tax. Married filing jointly at $60,000 keeps about $50,894, because the larger standard deduction and second exemption cut the state tax.
Does Rhode Island have a local income tax?
No. No Rhode Island city or town levies a local income tax, so your paycheck loses only federal tax, the state income tax, the 1.1% TDI, and FICA. Providence, Warwick, Cranston and every other municipality use the same state rates, with no extra city wage tax. That keeps Rhode Island simpler than nearby states that add a local tax.
What is the Rhode Island standard deduction for 2026?
For 2026 Rhode Island's standard deduction is $11,200 for single filers and married filing separately, $16,800 for head of household, and $22,400 for married filing jointly, plus a $5,250 exemption for each person on the return. These are Rhode Island's own amounts, not the federal ones, and they begin to phase out only at high incomes above about $261,000. This calculator uses the correct 2026 figures.
How much is $75,000 after taxes in Rhode Island?
A single filer earning $75,000 keeps about $58,572 a year in 2026, roughly $4,881 a month or $2,253 on a biweekly check, an effective rate near 21.9%. That is after about $2,196 of state tax, $825 of TDI, federal tax and FICA. Married filing jointly at $75,000 keeps about $62,219, with lower state tax from the joint deduction.
How much is $100,000 after taxes in Rhode Island?
A single filer earning $100,000 keeps about $74,932 a year in 2026, close to $6,244 a month or $2,882 biweekly, an effective rate near 25.1%. That reflects about $3,148 of state tax, the maximum $1,100 of TDI, federal tax and FICA. At $100,000 you hit the TDI wage base, so TDI stops growing above that income.
How much do I take home on $25 an hour in Rhode Island?
At $25 an hour full time, about $52,000 a year, a single Rhode Island worker keeps roughly $42,057 in 2026, close to $3,505 a month or $1,618 on a biweekly check, an effective rate near 19.1%. That is after about $1,333 of state tax, $572 of TDI, federal tax and FICA. Enter your own hourly rate and hours in the calculator to see your exact take-home.
How is overtime taxed in Rhode Island?
Overtime is taxed as ordinary wages in Rhode Island, at the same graduated rates plus the 1.1% TDI, federal tax and FICA. There is no special overtime tax rate. A large check with overtime can have more federal tax withheld for that period, but any over-withholding comes back at tax time. The only real break is the federal deduction of up to $12,500 of overtime premium, claimed on your federal return.
How much is $50,000 after taxes in Rhode Island?
A single filer earning $50,000 keeps about $40,547 a year in 2026, roughly $3,379 a month or $1,560 on a biweekly check, an effective rate near 18.9%. That is after about $1,258 of state tax, $550 of TDI, federal tax and FICA. There is no local income tax in Rhode Island, so the state tax and TDI are the only state-level lines.
How much is $40,000 after taxes in Rhode Island?
A single filer earning $40,000 keeps about $32,997 a year in 2026, close to $2,750 a month or $1,269 biweekly, an effective rate near 17.5%. That is after about $883 of state tax, $440 of TDI, federal tax and FICA. The income stays in the 3.75% Rhode Island bracket, so the state tax is modest at this salary.
How much do I take home on $20 an hour in Rhode Island?
At $20 an hour full time, about $41,600 a year, a single Rhode Island worker keeps roughly $34,205 in 2026, close to $2,850 a month or $1,316 on a biweekly check, an effective rate near 17.8%. That is after about $943 of state tax, $458 of TDI, federal tax and FICA. Enter your own hourly rate and hours in the calculator to see your exact take-home.
Is Rhode Island TDI refundable or tax-deductible?
Rhode Island TDI is not refundable in the way an over-withheld income tax is. It is a mandatory insurance contribution that funds Temporary Disability and Caregiver benefits you can claim if you cannot work due to illness, injury, or caring for a family member. It usually appears in Box 14 of your W-2, and you may be able to deduct it as a state tax if you itemize on your federal return. If you worked for more than one employer and paid more than the annual maximum, you can claim the excess back.
Is Rhode Island a high-tax state for paychecks?
Rhode Island is moderate. Its income tax runs 3.75% to 5.99%, similar to nearby states, and most workers stay in the 3.75% bracket after the standard deduction. What sets Rhode Island apart is the 1.1% employee TDI, which adds a bit on top, but there is no local income tax to worry about. A single filer earning $60,000 pays a combined state income tax and TDI of about $2,293, an all-in effective rate near 19.8% once federal tax and FICA are included.
What is the Rhode Island minimum wage for 2026?
Rhode Island's minimum wage is $15.00 an hour for 2026, one of the higher state minimums in the country. Full time at $15.00 an hour is about $31,200 a year before taxes. At that wage a single worker still pays the 3.75% state income tax, the 1.1% TDI, federal tax and FICA. Use the hourly mode of the calculator to see the exact take-home for any Rhode Island wage.
