What are Rhode Island's income tax rates?

Rhode Island has three progressive brackets: 3.75% on the first portion of taxable income, 4.75% on the middle band, and 5.99% on income above the upper threshold. Taxable income is gross pay minus the RI standard deduction and any exemptions.

What is Rhode Island TDI and how much is withheld?

Rhode Island has a Temporary Disability Insurance (TDI/SDI) program funded entirely by employee payroll contributions — around 1.1% of wages up to an annual taxable wage base. It is one of the few employee-paid state disability programs in the country and is deducted from each paycheck.

Does Rhode Island have local income taxes?

No. Rhode Island has no city or county income taxes — only the state income tax applies. That makes RI take-home pay simpler to estimate than states like Pennsylvania or Ohio that add local Earned Income Taxes.

How is FICA different from state tax?

FICA is the federal payroll tax for Social Security (6.2%) and Medicare (1.45%), totaling 7.65%. It is separate from both Rhode Island income tax and federal income tax, and it is withheld from gross wages up to the Social Security wage base.

Why is my Rhode Island take-home lower than my salary?

Your gross salary is reduced by four deductions: Rhode Island income tax, the RI TDI contribution, 7.65% FICA, and federal income tax. Combined, these commonly remove 20–30% of gross pay before it reaches your bank account.

Rhode Island Paycheck Calculator

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The Rhode Island paycheck calculator estimates your real take-home pay after every deduction. Rhode Island uses progressive income tax brackets (3.75% / 4.75% / 5.99%), and — unusually — funds its Temporary Disability Insurance program through an employee payroll contribution, which most states do not.

How it works

The deductions stack on your gross pay:

RI taxable income = gross - RI standard deduction
RI state tax = bracketed: 3.75% / 4.75% / 5.99% on the taxable bands
RI TDI/SDI   = ~1.1% of wages up to the TDI wage base
FICA         = 7.65% (Social Security 6.2% + Medicare 1.45%)
federal tax  = gross x your estimated federal rate
take-home    = gross - RI tax - TDI - FICA - federal

Rhode Island has no local income taxes, so the state tax is the only RI income tax in the stack.

Worked example

$70,000 gross, ~$10,550 RI standard deduction, 12% federal estimate:

RI taxable income: 70,000 - 10,550 = $59,450
RI state tax (progressive): roughly $2,490
RI TDI (~1.1%): $770
FICA (7.65%): $5,355
Federal (12%): $8,400
Take-home: about $52,985 per year

Tips and notes

Brackets are progressive. Only the income above each threshold is taxed at the higher rate, so your effective RI rate is lower than 5.99% unless you earn a great deal.
TDI is employee-paid. Rhode Island is one of a handful of states where the disability contribution comes out of your check, not the employer’s.
No local tax. Unlike PA or OH, there is no municipal income tax to add.
Federal is an estimate. Adjust the federal percentage to match your filing status and W-4 for a closer figure.