Rhode Island · rates effective Jan 1 – Dec 31, 2026 · verified 2026-08-12
Rhode Island Paycheck Calculator 2026
3.75-5.99% state brackets on taxable wages in Rhode Island, plus 1 employee payroll program on the stub.
Rhode Island taxes every filer from the same table - 3.75%, 4.75% and 5.99% at identical thresholds, whatever your marital status. This calculator runs the 2026 schedule and the disability contribution, whose rate fell this year while its wage base rose.
Official 2026 tables, never copiedSources stamped & dated99 golden tests before publish
CEBy the Calceva data desk · Verified against official sources · Updated 2026-08-12 · 4 min read
Most states publish a separate rate schedule for single filers and for couples. Rhode Island publishes one, and the Division of Taxation says so in as many words: a uniform schedule used by all filers. The bands are 3.75% up to $82,050 of taxable income, 4.75% to $186,450, and 5.99% above. Filing jointly does not widen them. What your status does change is the standard deduction - $11,200 single, $22,400 joint, $16,800 head of household in 2026 - and that is the whole of the difference.
The disability contribution moved in both directions
Temporary Disability Insurance is one of the few employee-funded state programs in the country, and 2026 changed two of its numbers at once. The rate fell from 1.3% to 1.1%. The taxable wage base rose from $89,200 to $100,000. The maximum you can pay still went down, from $1,159.60 to $1,100.00 - but if you earn under about $89,000 the rate cut is what you feel. Temporary Caregiver Insurance is not a second deduction: it is paid for out of this same contribution.
Where this page stops, and why
Above $261,000 of income Rhode Island begins removing the standard deduction and exemptions - not gradually, but in four steps, where a single dollar over a threshold costs a fifth of the deduction outright. This calculator does not model that step rule, and it says so rather than produce a number it cannot stand behind. One more thing worth knowing at any income: Rhode Island does not accept the federal W-4. Your employer needs Form RI W-4, which has no filing-status box on it at all.
One caveat about how we checked this
Rhode Island serves its own tax documents from behind a bot challenge, so the automatic re-check that watches every other state on this site cannot reach them. The figures here were read by hand from the Division of Taxation's own 2026 documents on 12 August 2026 and cross-checked against three of them - the inflation advisory, the estimated-tax form and the employer withholding booklet - which agree exactly. Every one of them is linked in the sources below, so you can open them and check us rather than take our word for it. We would rather say this than let a re-check date on this page imply a machine confirmed something it never reached.
Does Rhode Island tax married couples at a different rate?
No. Rhode Island uses one rate schedule for every filing status - 3.75%, 4.75% and 5.99% at the same thresholds. Only the standard deduction differs: $11,200 single, $22,400 filing jointly, $16,800 head of household.
What is the Rhode Island TDI rate for 2026?
1.1% of wages up to $100,000, so at most $1,100.00 for the year. The rate came down from 1.3% while the wage base rose from $89,200, which lowered the annual maximum from $1,159.60.
Is TCI a separate deduction from TDI?
No. Temporary Caregiver Insurance is part of the TDI programme and is funded by the same contribution. You should see one deduction, not two.
Why does this calculator stop above $261,000?
Because that is where Rhode Island phases out the standard deduction and exemptions in four stepped tranches, rounding upward so that one dollar of excess already costs 20%. We do not model that rule, and we would rather say so than guess.
Can I use a federal W-4 in Rhode Island?
No. Since 2020 employers must have Form RI W-4 for state withholding. It caps allowances at ten and has no filing-status box, because Rhode Island's withholding does not use one.
We never copy another calculator. Each rate is read from the official document, dated, and re-checked when agencies publish changes. This page's paper trail:
Verified 2026-08-12
Rhode Island Division of Taxation, ADV 2025-22, Inflation-adjusted amounts set for Tax Year 2026, 3 November 2025, page 2 — One uniform rate schedule for every filing status in 2026: 3.75% up to 82,050 of taxable income, then 3,076.88 plus 4.75% of the excess over 82,050, then 8,035.88 plus 5.99% of the excess over 186,450. "The changes were made to the Rhode Island Personal Income Tax's uniform tax rate schedule, which is used by all filers." Effective for tax years beginning on or after 1 January 2026.
Verified 2026-08-12
Rhode Island Division of Taxation, ADV 2025-22, page 1 — Standard deduction for 2026: 11,200 single, 22,400 married filing jointly or qualifying widow(er), 16,800 head of household, 11,200 married filing separately. Personal and dependency exemption for 2026: 5,250 each. Amounts are computed under Rhode Island General Laws 44-30-2.6.
Verified 2026-08-12
2026 RI-1040ES, page 2, Deduction Worksheet lines 15-22 and Exemption Worksheet lines 23-30; and ADV 2025-22 page 1 — Both the standard deduction and the exemptions are phased out between 261,000 and 290,800 of modified federal adjusted gross income, in four steps: the excess over 261,000 is divided by 7,450 and rounded UP to the next whole number, and the resulting step keeps 0.8000, 0.6000, 0.4000 or 0.2000 of the amount. Above 290,800 both fall to zero. "Phaseout increment (amount used in computing phaseout), which was $7,250 for 2025, will be $7,450 for 2026."
State of Rhode Island Division of Taxation, Form RI W-4 (2026) — Employers must use Form RI W-4; the federal form is not accepted. "Federal Form W-4 can no longer be used for Rhode Island withholding purposes." The certificate has no filing-status box, and the number of allowances is capped at 10.
Federal lines
Federal income tax, Social Security and Medicare on this page follow IRS Rev. Proc. 2025-32, Publication 15 and Publication 15-T, verified 2026-08-07. Our federal engine reproduces 2,175 of 2,175 Publication 15-T cells on every build. The six federal sources, itemised.
Cite this pageCalceva, “Rhode Island Paycheck Calculator (2026),” verified 2026-08-12, https://calceva.com/rhode-island-paycheck-calculator/