Rhode Island Paycheck Calculator

Calculate your take-home pay after federal & Rhode Island taxes

Updated for 2023 tax year on Dec 05, 2023

Paycheck calculators by state

Paycheck calculator for Rhode Island

Understanding your Rhode Island paycheck

Navigating the waters of your paycheck can sometimes feel like an oceanic expedition. With various taxes, deductions, and exemptions to account for, it’s essential to understand how your Rhode Island paycheck comes together. Climb aboard as we chart a course through the components that shape your earnings in the smallest state with the biggest personality.

First and foremost, your paycheck is subject to federal income taxes. Your tax liability is determined by many factors, such as income, filing status, and the information you provide on Form W-4. Your wage is also subjected to the Federal Insurance Contributions Act (FICA). FICA consists of Social Security and Medicare.

For those earning over $200,000 or self-employed, FICA taxes have a few unique rules. High earners are subject to an additional 0.9% Medicare tax, while self-employed individuals must pay the total FICA tax.

Your Form W-4 helps you steer your tax withholding by indicating your filing status, dependents, and any additional withholding amounts. The pay frequency chosen by your employer – weekly, bi-weekly, or monthly – will also affect your paycheck size, so keep your eyes on the horizon and plan your budget accordingly.

The marital status you declare on your Form W-4 plays a significant role in determining your tax withholding. In addition, pre-tax deductions can reduce your taxable income. Consider regularly contributing to a 401(k) or a Health Savings Account (HSA).

Just like the tides, state income taxes in Rhode Island are ever-present. The state’s progressive tax rates range from 3.75% to 5.99%. Rhode Island also has a State Disability Insurance (SDI) program that taxes up to a certain taxable wage.

Rhode Island offers a standard deduction, which varies depending on your filing status. Although eliminated on the federal level, you can still claim personal exemptions in the state. These deductions and exemptions help reduce your taxable income, ensuring you keep more of your hard-earned treasure.

Lastly, your paycheck may have post-tax deductions, such as wage garnishments or after-tax contributions to a Roth IRA. These deductions occur after your taxes have been calculated.

Calculate your Rhode Island paycheck

Calculating your Rhode Island state income tax is similar to the steps we listed on our Federal paycheck calculator:

1. Determine your gross income
   • Annual salary
     Annual salary = Gross income
   • Hourly wage
     Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
2. Work out your total federal income tax
   1. Gross income adjusted
      Gross income − Pre-tax deductions = Gross income adjusted
   2. Federal taxable income
      Gross income adjusted − Federal standard/itemized deductions = Federal taxable income
   3. Federal income tax liability
      Federal taxable income × Federal income tax rate = Federal income tax liability
   4. Federal payroll tax liability
      Gross income adjusted × Federal payroll tax rate = Federal payroll tax liability
3. Calculate your total Rhode Island state income tax
   1. State taxable income
      Gross income adjusted − (State standard/itemized deductions + State exemptions) = State taxable income
   2. State income tax liability
      State taxable income × State income tax rate = State income tax liability
   3. State payroll tax liability
      Gross income adjusted × State payroll tax rate = State payroll tax liability
4. Figure out your net pay
   Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay
5. Divide your net pay by your pay frequency
   
   • Daily
     Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck
   • Weekly
     Your net pay / 52 = Your weekly paycheck
   • Bi-weekly
     Your net pay / 26 = Your bi-weekly paycheck
   • Semi-monthly
     Your net pay / 24 = Your semi-monthly paycheck
   • Monthly
     Your net pay / 12 = Your monthly paycheck
   • Quarterly
     Your net pay / 4 = Your quarterly paycheck
   • Semi-annual
     Your net pay / 2 = Your semi-annual paycheck
   • Annual
     Your net pay = Your annual paycheck

State payroll tax

State income tax brackets

Each filer type has different progressive tax rates. Refer to Tax Foundation for more details.

State standard deduction

State exemptions

There are state-level exemptions for all types of filers and dependents. Refer to Tax Foundation for more details.

FAQs