Estimate your Rhode Island state income tax plus combined federal and RI state tax for 2026. 5.99% top rate.
Rhode Island has progressive income tax from 3.75% to 5.99%, with the top rate on income over $176,050. Rhode Island offers an earned income credit equal to 15% of the federal EITC and does not tax Social Security for most residents. Use the calculator above to estimate your combined federal and Rhode Island state income tax for 2026. State tax figures use a simplified rate — for precise Rhode Island state tax calculations, consult the Rhode Island Department of Revenue or a licensed tax professional.
Rhode Island uses a 5.99% top rate state income tax structure. Like most states, Rhode Island starts its calculation from your federal Adjusted Gross Income (AGI), then applies state-specific adjustments — subtracting income Rhode Island excludes from taxation (such as certain pension or Social Security income) and adding back any income Rhode Island taxes that the federal government does not. After adjustments, the Rhode Island standard deduction is applied, then the 5.99% top rate is applied to arrive at state taxable income.
Rhode Island income tax is collected through employer paycheck withholding for W-2 employees and through quarterly estimated payments for self-employed residents and those with significant non-wage income. The Rhode Island state return is generally due April 15, aligned with federal returns. Part-year residents and nonresidents who earn income sourced in Rhode Island must also file a Rhode Island return for that income portion.
Your Rhode Island state income taxes are deductible on your federal Schedule A as part of the SALT (State and Local Tax) deduction, capped at $40,400 in 2026 under OBBBA. At the 22% federal bracket, paying $1,955 in Rhode Island state income tax generates approximately $430 in federal tax savings, reducing the true net cost of your Rhode Island taxes to about $1,525 for itemizing taxpayers.
Jordan is a single filer earning $75,000 in Rhode Island. This shows how federal and Rhode Island state income tax are calculated together.
Moving to a no-income-tax state (Texas, Florida, Nevada, or Wyoming) would save Jordan approximately $1,955/year ($162/month) in state income taxes. However, no-income-tax states often fund services through higher property taxes, sales taxes, or other fees, so a complete comparison requires evaluating all taxes together, not just income tax.
Rhode Island Tax Rate and Annual Filing
Rhode Island residents earning above the state filing threshold must file a Rhode Island income tax return annually, typically due April 15. The 5.99% top rate applies after Rhode Island-specific deductions and any state tax credits. Employers withhold Rhode Island state income tax from employee paychecks throughout the year using Rhode Island withholding tables, and any balance owed or refund due is settled when the annual state return is filed. Self-employed Rhode Island residents make quarterly estimated payments to the state in addition to their federal quarterly estimated tax payments.
Federal SALT Deduction Reduces Net State Tax Cost
State income taxes paid in Rhode Island reduce your federal taxable income through the SALT deduction (capped at $40,400 in 2026 under OBBBA). For a Rhode Island resident in the 22% federal bracket paying $1,955 in state income tax, the SALT deduction recovers approximately $430 in federal taxes, so the true after-federal-benefit cost of Rhode Island state income tax is about $1,525. This offset only benefits taxpayers who itemize deductions on federal Schedule A rather than taking the standard deduction.
Total Tax Burden: State Income Tax Is One Piece
State income tax is one component of your total tax burden in Rhode Island. Property taxes, local income taxes (in some Rhode Island cities and counties), and state and local sales taxes also contribute to your overall cost of living. When comparing Rhode Island to other states, evaluate all tax types together rather than income tax in isolation. Use the calculator above to see your combined federal and Rhode Island state effective rate at your specific income level.
Sponsored
E-file.com offers the same features as TurboTax and H&R Block at half the price. Free federal filing available if you qualify. 40% cheaper than the big names.
File Your Taxes Now →We earn a commission if you file through this link at no extra cost to you.
Rhode Island has a 5.99% top rate state income tax for 2026. Rhode Island has progressive income tax from 3.75% to 5.99%, with the top rate on income over $176,050. Rhode Island offers an earned income credit equal to 15% of the federal EITC and does not tax Social Security for most residents. The state income tax is calculated separately from federal income tax and is paid through payroll withholding or quarterly estimated payments.
Rhode Island has its own state standard deduction separate from the federal standard deduction ($15,750 single, $31,500 MFJ in 2026). For precise Rhode Island state deduction amounts, consult the Rhode Island Department of Revenue or a state tax professional.
Rhode Island's 5.99% top rate state income tax can be compared to other states using our state tax calculator above. The U.S. average top marginal state income tax rate is approximately 5-6%. Nine states have no income tax at all (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming), while California has the highest at 13.3%.
Rhode Island offers state tax credits and deductions that may reduce your state tax liability. Common state credits include earned income credits, child tax credits, and credits for the elderly. Consult the Rhode Island Department of Revenue website or a licensed tax professional for credits specific to your situation and income level.
Use the calculator above. Enter your income and RI is pre-selected as your state. The calculator computes your 2026 federal income tax using the One Big Beautiful Bill Act brackets (10%-37%), adds your estimated Rhode Island state income tax (5.99% top rate simplified), and displays your total tax burden, combined effective rate, and annual take-home pay. All calculations happen instantly in your browser.