Rhode Island Paycheck Calculator

Calculate your take-home pay per paycheck for salary and hourly jobs after federal & Rhode Island taxes

Updated for 2024 tax year on Jul 06, 2024

What was updated? Fixed calculation error with federal and state payroll taxes

Calculation not correct? Request new features?

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How to calculate your Rhode Island paycheck

Overview of Rhode Island

Rhode Island’s population is over 1 million (2019), the smallest state by area.

Brief summary:

  • the income tax rate ranges from 3.75% to 5.99%
  • subject to Disability Insurance (SDI) of 1.2% up to $87,000 taxable wage
  • has standard deductions and exemptions
Rhode Island United States

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 main paycheck calculator page:

  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 × Federal payroll tax rate = Federal payroll tax liability
  3. Calculate your total Rhode Island state income tax
    1. Rhode Island state taxable income
      Gross income adjusted − (Rhode Island state standard/itemized deductions + Rhode Island state exemptions) = Rhode Island state taxable income
    2. Rhode Island state income tax liability
      Rhode Island state taxable income × Rhode Island state income tax rate = Rhode Island state income tax liability
    3. Rhode Island state payroll tax liability
      Gross income × Rhode Island state payroll tax rate = Rhode Island state payroll tax liability
  4. Figure out your net pay
    You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
    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

Tax year Tax name Percent of taxable wage Up to taxable wage
2024 State Disability Insurance (SDI) 1.2% $87,000
2023 1.1% $84,000
2022 1.1% $81,500
2021 1.3% $74,000
2020 1.3% $72,300

State income tax brackets

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

Tax year Filing status Taxable income Rate
2024 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household
$0 - $77,450 3.75%
$77,450 - $176,050 4.75%
$176,050+ 5.99%
2023 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household
$0 - $73,450 3.75%
$73,450 - $166,950 4.75%
$166,950+ 5.99%
2022 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household
$0 – $68,200 3.75%
$68,200 – $155,050 4.75%
$155,050+ 5.99%
2021 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household
$0 – $66,200 3.75%
$66,200 – $150,550 4.75%
$150,550+ 5.99%
2020 Single
Married, Filing Jointly or Widow(er)
Married, Filing Separately
Head of Household
$0 – $65,250 3.75%
$65,250 - $148,350 4.75%
$148,350+ 5.99%

State standard deduction

Tax year Filing status Standard deduction amount
2024 Single $10,550
Married, Filing Jointly $21,150
Married, Filing Separately $10,575
Head of Household $15,850
2023 Single $10,000
Married, Filing Jointly $20,050
Married, Filing Separately $10,025
Head of Household $15,050
2022 Single
Married, Filing Separately
$9,300
Married, Filing Jointly $18,600
Head of Household $13,950
2021 Single
Married, Filing Separately
$9,050
Married, Filing Jointly $18,100
Head of Household $13,550
2020 Single
Married, Filing Separately
$8,750
Married, Filing Jointly $17,500
Head of Household $13,100

State exemptions

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

Tax year Filing status Personal exemption amount
2024 Single
Married, Filing Separately
Head of Household
$4,950
Married, Filing Jointly or Widow(er) $9,900
Dependent(s) $4,950
2023 Single
Married, Filing Separately
Head of Household
$4,700
Married, Filing Jointly or Widow(er) $9,400
Dependent(s) $4,700
2022 Single
Married, Filing Separately
Head of Household
$4,350
Married, Filing Jointly or Widow(er) $8,700
Dependent(s) $4,350
2021 Single
Married, Filing Separately
Head of Household
$4,250
Married, Filing Jointly or Widow(er) $8,500
Dependent(s) $4,250
2020 Single
Married, Filing Separately
Head of Household
$4,100
Married, Filing Jointly or Widow(er) $8,200
Dependent(s) $4,100

FAQs

How to calculate take home pay in Rhode Island?

Follow the steps below to work out your take-home pay:

  1. Determine your gross income
  2. Work out your total federal income tax
  3. Calculate your total Rhode Island state income tax
  4. Gross income minus taxes, deductions and withholdings
  5. Divide your net pay by your pay frequency

How much will Rhode Island tax paychecks in 2024?

Rhode Island imposes a state income tax on paychecks with rates that range from 3.75% to 5.99% in 2024. There is also a 1.2% State Disability Insurance payroll tax for income up to $87,000.

How much is taken out of my paycheck in Rhode Island?

Taxes such as federal income tax, state income tax, Social Security, Medicare and State Disability Insurance will be withheld from your paycheck. If you participate in retirement savings or have health insurance premiums, these will reduce your take-home pay.

What percentage of my paycheck goes to taxes in Rhode Island?

The taxes on your paycheck include

  • federal income tax (10% to 37%)
  • state income tax (3.75% to 5.99%)
  • Social Security (6.2%)
  • Medicare (1.45% to 2.35%)
  • State Unemployment Insurance (1.2%)
These taxes typically amount to approximately 20% to 45% of your paycheck.