Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email
Loading
Tap on the profile icon to edit
your financial details.

Rhode Island Paycheck Calculator

Your Details Done

Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Rhode Island Taxes

Rhode Island has a progressive state income tax system with three tax brackets. The tax rates vary by income level, but are the same for all taxpayers regardless of filing status. Rhode Island’s top income tax rate is 5.99%. No cities in the state levy local income taxes.

Work Info
Add your details
Marital Status
Marital Status
Enter your marital status
Do this later
Dismiss
Job
Add your details
Location
Location
Enter your location Do this later
Dismiss
Add your details
Elected State Percentage
Do this later
Dismiss
Add your details
Dependents

Do this later
Dismiss
Add your details
Pay Frequency
Do this later
Dismiss
Add your details
Allowances
Federal
State
Additional State
Local

Do this later
Dismiss
Add your details
Are you exempt from any taxes?
Do this later
Dismiss
Type
Salary (per year)
Dismiss
Hourly Wage
Dismiss

Hours (per pay period)
Dismiss

Overtime Hourly Wage
Dismiss

Overtime Hours (per pay period)
Dismiss

You can't withhold more than your earnings. Please adjust your .

Your estimated -- take home pay:
$--

Where is your money going?
Gross Paycheck $--
Taxes --% $--
Federal Income --% $--
State Income --% $--
Local Income --% $--
FICA and State Insurance Taxes --% $--
Social Security --% $--
Medicare --% $--
State Disability Insurance Tax --% $--
State Unemployment Insurance Tax --% $--
State Family Leave Insurance Tax --% $--
State Workers Compensation Insurance Tax --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
Take Home Salary --% $--
  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

    ...read more
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure

How likely is it that you would recommend this tool to a friend or colleague?
What is the most important reason for that score?
Thank you for your answer! Your feedback is very important to us.

Rhode Island Paycheck Calculator

Photo credit: ©iStock.com/pabradyphoto

Rhode Island Paycheck Quick Facts

  • Rhode Island income tax rate: 3.75% - 5.99%
  • Median household income: $71,169 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Rhode Island Paycheck Works

It’s difficult to predict your exact take-home pay because your employer removes certain taxes from your paychecks. Each pay period, you'll see money come out of your paycheck for Social Security and Medicare taxes. These make up FICA (Federal Insurance Contributions Act) taxes. Your employer will withhold 6.2% of your wages in Social Security tax and 1.45% in Medicare tax. Your employer then matches your contribution, so the total amount paid to Social Security and Medicare is double what you paid. Keep in mind, though, that if you are self-employed, you will have to pay this entire contribution yourself. Additionally, if you earn in excess of $200,000, your wages higher than that amount are subject to a 0.9% Medicare surtax, which employers do not match.

How much you pay in federal income taxes depends on factors like your income level, marital status and whether you list any dependents on your Form W-4. The information you put on your W-4 is how your employer knows how much to withhold from your paychecks. That’s why all of your employers (if they withhold taxes) will require you to fill out a W-4. You should also update your W-4 anytime you experience a big life change, like getting married or having a child.

The IRS made major revisions to the W-4 in recent years. The new form no longer uses allowances, alternatively requiring filers to enter annual dollar amounts for things such as non-wage income, total annual taxable wages, income tax credits and itemized and other deductions. The form also utilizes a five-step process that lets filers indicate any additional income or jobs. While all employees hired as of Jan. 1, 2020 must complete the form, those hired before that date aren't required to unless they change jobs or adjust their withholdings.

Additionally, if you opt into employer-sponsored benefits like health and life insurance or 401(k) or 403(b) retirement accounts, the money you pay toward those is deducted from your wages.

Rhode Island Median Household Income

YearMedian Household Income
2019$71,169
2018$64,340
2017$63,870
2016$60,596
2015$58,073
2014$54,891
2013$55,902
2012$54,554
2011$53,636
2010$52,254

Rhode Island has a progressive state income tax system, meaning residents who earn more may pay a higher rate. There are three tax brackets and they are the same for all taxpayers regardless of filing status. The first $65,250 of Rhode Island taxable income is taxed at 3.75%. Taxable income between $65,250 and $148,350 is taxed at 4.75%, and taxable income higher that amount is taxed at 5.99%.

Rhode Island does not have any local income taxes.

If you're considering refinancing a property or purchasing a home in the Ocean State, check out our Rhode Island mortgage guide for important information about rates and getting a mortgage there.

Income Tax Brackets

All Filers
Rhode Island Taxable IncomeRate
$0 - $65,2503.75%
$65,250 - $148,3504.75%
$148,350+5.99%

A financial advisor in Rhode Island can help you understand how taxes fit into your overall financial goals. Financial advisors can also help with investing and financial planning - including retirement, homeownership, insurance and more - to make sure you are preparing for the future.

How You Can Affect Your Rhode Island Paycheck

Although you can’t have full control over all aspects of your paycheck, there are ways in which you can affect your take-home pay. One method involves contributing money to pre-tax accounts, such as a health savings account (HSA), 403(b) or 401(k). When you contribute funds to these accounts, you do so on a pre-tax basis, meaning that you're actually reducing your taxable income. While all employers don't offer these options, you should consider using them if your employer does.

You may also want to consider having a dollar amount withheld from each of your paychecks to go toward your taxes. On the W-4, there is a line where you can write in any additional money that you’d want your employer to withhold from each paycheck. Yes, this will make your paychecks smaller, but you'll be spreading out your tax burden over the entire year instead of underpaying and then owing money during tax season.

Rhode Island Top Income Tax Rate

YearTop Income Tax Rate
20205.99%
20195.99%
20185.99%
20175.99%
20165.99%
20155.99%
20145.99%
20135.99%
20125.99%
20115.99%
20109.90%