Rhode Island (RI) Paycheck Calculator 2026

What comes out of a Rhode Island paycheck

A Rhode Island paycheck has five deductions taken by law: federal income tax, Social Security (6.2%), Medicare (1.45%), Rhode Island income tax and Temporary Disability Insurance (TDI). TDI is the line that surprises people moving from most other states, because only a handful of states charge workers for a disability program.

Rhode Island income tax withholding follows the state’s three-rate schedule: 3.75%, 4.75% and 5.99%. The brackets are the same for single and married filers, so a two-earner couple does not get the wider brackets that federal withholding assumes for joint filers. If both spouses work, check that each job withholds enough by looking at last year’s RI-1040 balance due.

Rhode Island withholding is set by the state’s own certificate, Form RI W-4 (Employee’s Withholding Allowance Certificate), not by your federal W-4. The form has a line for allowances, including allowances for dependents, a line for an extra flat amount per pay period, and a line to claim exemption. Employers then apply the Division of Taxation’s 2026 withholding tables. File a new RI W-4 when you marry, have a child or take a second job.

Temporary Disability Insurance: 1.1% up to $100,000

For 2026, Rhode Island workers pay 1.1% of wages into TDI, on the first $100,000 of pay. The most anyone pays in a year is $1,100.

TDI pays partial wages if you cannot work because of a non-work illness or injury, and the same fund pays Temporary Caregiver Insurance (TCI) when you take time off to bond with a new child or care for a seriously ill family member. Employers do not pay into it on your behalf, so the full cost shows up on your pay stub.

• Once your year-to-date wages pass $100,000, TDI stops for the rest of the calendar year. On a $120,000 salary that happens in late October, and each weekly check after that is about $25.38 bigger.
• The Social Security wage base works the same way at $184,500, so high earners see two step-ups in take-home pay before year end.

Weekly paychecks at common Rhode Island salaries

Most Rhode Island employers must pay weekly, according to the U.S. Department of Labor’s summary of state payday laws (other schedules are allowed only under specific conditions). The table below shows a 2026 weekly paycheck for a single filer with no pre-tax deductions.

Minimum wage paycheck example

Rhode Island’s minimum wage is $16.00 an hour (U.S. Department of Labor, updated July 1, 2026), well above the federal $7.25. A full-time minimum wage job of 40 hours a week works out to $33,280 a year, or $640 gross per week.

For a single filer at that pay, the weekly check comes to about $537 after $35 federal tax, $49 FICA, $12 Rhode Island tax and $7 TDI. Rhode Island also requires overtime at time-and-a-half after 40 hours in a week.

Commuters, bonuses and other special cases

People who live in Massachusetts or Connecticut and work in Rhode Island owe Rhode Island tax on those wages and file Form RI-1040NR as nonresidents. Your home state then generally gives a credit for tax paid to Rhode Island, so you are not taxed twice on the same pay. Make sure your employer withholds for the state where you physically work.

Bonuses are federal supplemental wages, usually withheld at a flat 22% for federal tax. Rhode Island tax and TDI also apply to the bonus, unless your wages have already passed the $100,000 TDI cap.

• 401(k) contributions (up to $24,500 in 2026) lower federal and Rhode Island income tax, but not Social Security or Medicare.
• Section 125 health premiums lower federal tax, FICA and state tax, which is why the calculator treats them separately.
• At $50,000, TDI is about $550 a year. At $120,000 it is capped at $1,100.