Rhode Island Income Tax Calculator
Calculate your total tax burden in Rhode Island. See RI state income tax (5.99% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Rhode Island uses 3 progressive income tax brackets up to 5.99% in 2026. State standard deduction: $10,550 single / $21,150 married. Stacks on federal tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 1.4% and combined sales tax averages 7%. Three brackets 3.75%-5.99%. Estate tax ($1.77M). High property taxes. Clothing under $250 exempt.
Rhode Island Income Tax Calculator
Pre-filled with Rhode Island median: $74,008
Your Total Tax Burden
$15,937
Take-Home: $58,071 · Effective Rate: 21.5%
Federal Tax
$7,896
10.7% eff.
RI State Tax
$2,380
3.2% eff.
FICA
$5,662
7.6% eff.
Take-Home
$58,071
78.5% kept
Tax Breakdown
Rhode Island Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $74,008.00 | $6,167.33 |
| Federal Income Tax | -$7,895.76 | -$657.98 |
| Rhode Island State Tax | -$2,379.67 | -$198.31 |
| Social Security (6.2%) | -$4,588.50 | -$382.37 |
| Medicare (1.45%) | -$1,073.12 | -$89.43 |
| Take-Home Pay | $58,070.95 | $4,839.25 |
Marginal Tax Rate
5.99%
RI state only
Effective Tax Rate
21.5%
All taxes combined
Rhode Island Tax System Overview
Rhode Island has three brackets from 3.75% to 5.99%. Property taxes are high at 1.40%. Estate tax with $1.77M exemption. Clothing under $250 is exempt from sales tax.
Rhode Island Income Tax Brackets (Single)
| Tax Rate | Income Range |
|---|---|
| 3.75% | $0 – $73,450 |
| 4.75% | $73,450 – $166,950 |
| 5.99% | $166,950 – and above |
Top Income Tax
5.99%
Property Tax
1.4%
Sales Tax (Avg)
7%
Median Income
$74,008
Other Taxes in Rhode Island
Capital Gains Tax
Taxed as regular income
Property Tax
Average effective rate of 1.4%. On a $300,000 home, this equals approximately $4,200 per year, or $350 per month.
Sales Tax
State rate of 7%, with a combined average of 7% including local taxes.
Estate & Inheritance Tax
Rhode Island has a state estate tax in addition to the federal estate tax. The exemption may be lower than the federal threshold.
Filing Tips for Rhode Island
Clothing under $250 is sales-tax-exempt. Estate tax exemption of $1.77M is below federal. Social Security exempt if AGI below $101K (single). Consider high property taxes.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and RI state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Rhode Island to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $74,008 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| Rhode Island | 5.99% | $2,380 | — |
| Massachusetts | 5% | $3,700 | +$1,321 |
| Connecticut | 6.99% | $3,620 | +$1,241 |
Explore All 50 State Tax Calculators
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Frequently Asked Questions
What is the income tax rate in Rhode Island?
Rhode Island has a progressive income tax with a top rate of 5.99%. Tax rates increase as income rises through various brackets. Three brackets 3.75%-5.99%. Estate tax ($1.77M). High property taxes. Clothing under $250 exempt.
How much state tax will I pay in Rhode Island on $74,008?
On income of $74,008 filing single in Rhode Island, you would pay approximately $2,380 in state income tax (effective rate of 3.2%). This is after the state standard deduction of $10,550.
Does Rhode Island tax capital gains?
Taxed as regular income. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Rhode Island compare to neighboring states for taxes?
Rhode Island's neighboring states include Massachusetts (5% top rate), Connecticut (6.99% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Rhode Island state income tax filing deadline for 2026?
Rhode Island state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Rhode Island typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Rhode Island tax retirement income, Social Security, and pensions?
Rhode Island taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Rhode Island's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 5.99% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Rhode Island's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Rhode Island in 2026?
Rhode Island offers standard deduction of $10,550 (single) / $21,150 (married). Additional state-specific items typically include: Rhode Island-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Rhode Island's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Rhode Island for an out-of-state employer, what tax do I pay?
As a Rhode Island resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Rhode Island. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Rhode Island's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.