Use our Rhode Island Paycheck Calculator to quickly figure out how much you’ll take home after taxes. Just enter your salary, pay frequency, and deductions to get a detailed breakdown of your gross pay, taxes, and net pay in seconds.
How Your Rhode Island Paycheck is Calculated
Your paycheck is determined by subtracting taxes and deductions from your gross earnings. The general formula is:
Gross Pay – (Federal Taxes + State Taxes + Local Taxes + FICA) = Net Pay
Here’s what each part means:
- Gross Pay: The total amount you earn before taxes or deductions.
- Federal Income Tax: Withheld based on IRS tax brackets, filing status, and allowances claimed on your W-4.
- FICA Taxes: Refers to Social Security and Medicare taxes that fund federal benefit programs.
- State Income Tax: Rhode Island’s progressive tax rates based on your taxable income.
- Local Taxes: Some Rhode Island cities may have minor additional taxes, but these are uncommon.
A Guide to Rhode Island State Payroll Taxes
Rhode Island State Income Tax
Rhode Island uses a progressive income tax system, meaning higher earners pay a higher percentage of tax. Below are the 2025 Rhode Island state income tax brackets for single filers.
| Taxable Income Range | Tax Rate |
|---|---|
| Up to $73,450 | 3.75% |
| $73,451 – $165,350 | 4.75% |
| Over $165,350 | 5.99% |
Rhode Island provides a standard deduction of $10,000 for single filers and $20,000 for married couples filing jointly. The state also offers personal exemptions of $4,700 per taxpayer and dependent.
State-Specific Programs and Withholdings
Rhode Island has several state-specific payroll programs that affect your paycheck:
- Temporary Disability Insurance (TDI): Employees contribute to this program, which provides short-term wage replacement for workers unable to work due to non-work-related illness or injury. The 2025 employee contribution rate is 1.2% of the first $87,000 of wages.
- Temporary Caregiver Insurance (TCI): Funded through the same contribution as TDI, this program provides paid family leave benefits.
- State Unemployment Insurance (SUI): Paid by employers only, so it doesn’t appear as a deduction on employee pay stubs.
Understanding Federal and FICA Taxes
Federal taxes apply equally across all states and consist of income tax and FICA taxes. These are some of the largest paycheck deductions.
- Social Security tax: 6.2% of wages up to $168,600 in 2025
- Medicare tax: 1.45% of all wages, plus an additional 0.9% for individuals earning more than $200,000
Your federal withholding amount depends on your total income, pay frequency, and the information provided on your W-4 form.
Local Taxes in Rhode Island
Rhode Island does not have separate local or city income taxes like some other states. However, sales taxes and property taxes may vary by location. While there are no local payroll taxes, residents in cities such as Providence, Cranston, and Pawtucket may see differences in cost of living due to other local levies or municipal fees.
Frequently Asked Questions (FAQs) About Rhode Island Paychecks
What is the minimum wage in Rhode Island?
As of 2025, the minimum wage in Rhode Island is $15.00 per hour. Employers must pay this rate or higher for all covered nonexempt employees.
How often are paydays in Rhode Island?
Employers in Rhode Island must pay employees at least every two weeks. Many businesses follow a bi-weekly or semi-monthly pay schedule.
What is the Rhode Island state tax rate for 2025?
Rhode Island’s 2025 state income tax rates range from 3.75% to 5.99%, depending on your income bracket.
Are 1099 contractors subject to Rhode Island taxes?
Yes. Independent contractors are responsible for paying their own Rhode Island state income tax, along with federal income and self-employment taxes. They must make quarterly estimated tax payments if they expect to owe more than $1,000 for the year.
What are the overtime laws in Rhode Island?
Rhode Island follows federal overtime regulations under the Fair Labor Standards Act (FLSA). Nonexempt employees must receive 1.5 times their regular rate of pay for any hours worked over 40 in a workweek.
Disclaimer
The Rhode Island Paycheck Calculator provides an estimate based on 2025 tax rates and rules. Actual results may vary depending on your income, deductions, benefits, and filing status. For personalized advice, consult a payroll specialist or tax professional.