Rhode Island Income Tax Calculator 2026
See your Rhode Island state tax, effective rate, and take-home pay in 60 seconds.
Estimate only. Uses 2026 federal figures, Rhode Islandstate figures (see sources below), and a standard-deduction federal calculation. Filing status “Head of household” uses the single column for Rhode Island. Your actual tax depends on credits, additional income, and adjustments.
Worked example: A single filer earning $85,000 in Rhode Island
Start with $85,000 of wages. running it up Rhode Island's brackets produces about $3,263 in state income tax — an effective state rate near 3.8%, with a 4.75% marginal rate. Federal income tax and FICA are calculated separately and shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Rhode Island taxes income
Rhode Island uses a graduated income tax: your income is taxed in slices, with each slice taxed at a higher rate as you move up the brackets from 3.75% to 5.99%.
Rhode Island generally starts from your federal income, applies state-specific adjustments and deductions, and then runs the result up the brackets. Credits and exemptions can change the final number — confirm the current details with the Rhode Island Division of Taxation.
2026 rate structure
| Rate | Single — taxable income up to | MFJ — taxable income up to |
|---|---|---|
| 3.75% | $77,450 | $154,900 |
| 4.75% | $176,050 | $352,100 |
| 5.99% | and above | and above |
Retirement income & Social Security
Rhode Island generally taxes retirement income such as 401(k), IRA, and pension distributions, though it may offer exclusions, deductions, or credits for certain pension or retirement income and for older taxpayers. Confirm the current exclusions with the Rhode Island Division of Taxation.
Local taxes & reciprocity
Rhode Island has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Rhode Island has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid double taxation.
Notable deductions, credits & other taxes
Deductions & credits
- Rhode Island standard deduction and personal exemptions (verify current amounts with the Rhode Island Division of Taxation)
- Credit for income taxes paid to other states (for residents with out-of-state income)
- State versions of common credits — earned income, child/dependent care, and education credits — where offered
Capital gains: Rhode Island has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Rhode Island's graduated rates.
Property tax: Property taxes in Rhode Island are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Rhode Island Division of Taxation for local rates.
Rhode Island vs. neighboring states
Compared with its neighbors — Connecticut, Massachusetts — Rhode Island's graduated rates up to 5.99% sit within the regional range. Effective rates depend heavily on income level, deductions, and local taxes.
Rhode Island state tax FAQs
What is the Rhode Island state income tax rate for 2026?
Rhode Island uses graduated brackets ranging from 3.75% to 5.99%, with higher rates applying only to income above each threshold.
Does Rhode Island tax retirement income or Social Security?
Rhode Island taxes a portion of Social Security benefits, subject to income thresholds and exemptions. Confirm how much of your benefit is taxable with the Rhode Island Division of Taxation. For other retirement income, Rhode Island generally taxes 401(k), IRA, and pension distributions, though exclusions may apply. Verify with the Rhode Island Division of Taxation.
How are capital gains taxed in Rhode Island?
Rhode Island has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Rhode Island's graduated rates.
Is there a local or city income tax in Rhode Island?
Rhode Island has no local or city income tax — only the state income tax applies to wages.
Does Rhode Island have tax reciprocity with neighboring states?
Rhode Island has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid being taxed twice.
Sources & verification
Last verified June 12, 2026.