Rhode Island income tax in 2026
Rhode Island has a progressive income tax: higher slices of income are taxed at higher rates. Single filers subtract $16,450 in deductions and exemptions first ($32,900 for married couples).
The Rhode Island deduction shrinks as income rises, so higher earners get a smaller break.
| Rate | Taxable income (single) | Your tax |
|---|---|---|
| 3.75% | $0 – $82,050 | $1,633 |
| 4.75% | $82,050 – $186,450 | — |
| 5.99% | $186,450 and up | — |
What to know about taxes in Rhode Island
Rhode Island has three income tax brackets up to 5.99%. It was the first state with a temporary disability insurance program and still withholds about 1.2% of wages for it.
- TDI also funds temporary caregiver insurance.
- Many residents work in Massachusetts.
Largest cities: Providence, Warwick, Cranston.
Take-home pay in Rhode Island by salary
What common salaries look like after taxes in Rhode Island for a single filer.
| Salary | Take-home / year | Per month | Bi-weekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,447 | $2,121 | $979 | 15.2% |
| $40,000 | $32,997 | $2,750 | $1,269 | 17.5% |
| $50,000 | $40,547 | $3,379 | $1,560 | 18.9% |
| $60,000 | $48,097 | $4,008 | $1,850 | 19.8% |
| $70,000 | $55,297 | $4,608 | $2,127 | 21.0% |
| $80,000 | $61,847 | $5,154 | $2,379 | 22.7% |
| $90,000 | $68,397 | $5,700 | $2,631 | 24.0% |
| $100,000 | $74,932 | $6,244 | $2,882 | 25.1% |
| $120,000 | $88,052 | $7,338 | $3,387 | 26.6% |
| $150,000 | $107,168 | $8,931 | $4,122 | 28.6% |
| $200,000 | $139,929 | $11,661 | $5,382 | 30.0% |
Where your taxes go
- Take-home pay$48,09780.2%
- Federal income tax$5,0208.4%
- Social Security$3,7206.2%
- Medicare$8701.5%
- Rhode Island income tax$1,6332.7%
- State payroll (SDI/PFML)$6601.1%
- Federal income tax ($5,020). Charged on $43,900 of taxable income after the standard deduction, with a top rate of 12% on your last dollar.
- Social Security ($3,720). This 6.2% payroll tax builds your future Social Security retirement benefit.
- Medicare ($870). 1.45% of all wages, plus 0.9% on wages above $200,000 for single filers.
- Rhode Island income tax ($1,633). Charged on $43,550 after state deductions, marginal rate 3.75%.
- State payroll contributions ($660). Disability insurance or paid family leave withheld from your paycheck.
How Rhode Island compares with other states
Rhode Island ranks #34 of 51 for take-home pay on $60,000. The gap between the best state (Florida) and the worst (Oregon) is $4,401 a year.
Top 5, your state and bottom 5. Single filer, no pre-tax contributions.
How a 401(k) changes your paycheck
Because traditional 401(k) money is taken before income tax, part of every dollar you save is effectively paid by the tax you no longer owe.
| Contribution | Saved per year | Take-home pay | Per month | Income tax saved |
|---|---|---|---|---|
| None | $0 | $48,097 | $4,008 | — |
| 3% | $1,800 | $46,580 | $3,882 | $284 |
| 6% | $3,600 | $45,064 | $3,755 | $567 |
| 10% | $6,000 | $43,042 | $3,587 | $945 |
| 15% | $9,000 | $40,514 | $3,376 | $1,418 |
Single vs married filing jointly
If you are married and your spouse has no income, filing jointly doubles the standard deduction and widens every bracket.
| Single | Married, one income | |
|---|---|---|
| Federal income tax | $5,020 | $2,840 |
| State income tax | $1,633 | $1,016 |
| Social Security + Medicare | $4,590 | $4,590 |
| Take-home pay | $48,097 | $50,894 |
Filing jointly would add $2,797 a year ($233 a month) to this household's take-home pay.
What this salary buys you
With $4,008 arriving each month, here is a realistic budget split.
- $60,000 is 69% of the median household income in Rhode Island ($86,372).
- With the 30% rule, a comfortable rent is up to $1,500 per month.
- That is 1.8 times the Rhode Island minimum wage of $16/hour.
Frequently asked questions
Does Rhode Island have a state income tax?
Yes. Rhode Island income tax rates range from 3.75% – 5.99% in 2026, depending on taxable income.
What is the income tax rate in Rhode Island?
Rhode Island income tax rates range from 3.75% – 5.99% in 2026, depending on taxable income.
How much is $60,000 after tax in Rhode Island?
A single filer earning $60,000 takes home about $48,097 a year, or $4,008 per month.
What is the minimum wage in Rhode Island?
The minimum wage in Rhode Island is about $16 per hour.
How is my Rhode Island paycheck calculated?
We subtract federal income tax, Social Security (6.2%), Medicare (1.45%) and Rhode Island income tax, plus state payroll contributions, from your gross pay.
Figures use 2026 IRS federal brackets, the standard deduction, Social Security and Medicare rates, and each state's income tax rules for a W-2 employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.