Rhode Island Hourly Paycheck Calculator
An hourly wage in Rhode Island is reduced by federal income tax, FICA of 7.65% (6.2% Social Security up to the annual wage base plus 1.45% Medicare), and Rhode Island's graduated income tax (3.75% to 5.99%) in 2026. Enter your wage and hours to see net pay for any pay frequency. Against the 2 states Rhode Island borders, the same $25 an hour is worth $42,432 here: Connecticut leaves $580 less ($41,852) and Massachusetts leaves $1,089 less ($41,343). Rhode Island beats every state it borders on this, so the commute only pays in the other direction.
Estimated take-home
$1,632
every two weeks · $42,432 a year
For $25/hr, 40 hrs a week · Rhode Island · single
Pay stub
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,000.00 | $52,000 |
| Federal income tax | − $156.15 | − $4,060 |
| Social Security (FICA) | − $124.00 | − $3,224 |
| Medicare (FICA) | − $29.00 | − $754 |
| Rhode Island income tax | − $58.85 | − $1,530 |
| Take-home pay | $1,632.00 | $42,432 |
FICA is Social Security plus Medicare.
Estimate based on 2026 federal and Rhode Island tax rules updated Oct 2026 How we calculate
Your details
More options 401(k), HSA, insurance, withholding…
Deductions & contributionspre-tax
Insurance & withholdingoptional
You keep
82¢of every dollar
On average you keep 82¢ of each dollar. Of your next $1,000, you’d keep about $766: the dashed line.
Insights
- Next $1,000
Every extra $1,000 you earn adds about $766 to your take-home. The other $234 goes to tax.
- Overtime
One more overtime hour a week ($37.50) would add about $57 to each paycheck after withholding.
- In Texas
In Texas the same pay would leave you $1,530 more a year. Texas has no state income tax.
State comparisons cover income and payroll taxes only; living costs and other taxes differ.
Effective tax rate 18.4%
Your details
Pay Type
Hourly Rate
Regular weekly hours (overtime applies to hours > 40)
Additional overtime hours at 1.5× rate (optional)
Pay Frequency
Filing Status
More options 401(k), HSA, FSA, insurance, dependents, withholding
Dependents
Children or other dependents you claim
Pre-tax Deductions
Typically 3-10% for matching, up to IRS limits
Health Savings Account (2026 limit: $4,400 individual, $8,750 family)
Flexible Spending Account (2026 limit: $3,400)
Pre-tax transit and parking benefits (2026 limit: $340/month)
Withholding & Benefits (Optional)
Extra amount to withhold for federal taxes per paycheck
Extra amount to withhold for state taxes per paycheck
Use this if you typically owe or receive a refund at tax time.
These deductions are taken after taxes are calculated.
Per paycheck
Per paycheck
Per paycheck
Advanced
Additional withholding
Extra amount to withhold from each paycheck
Take-home pay
$1,632
every two weeks · $42,432 a year
For $25/hr, 40 hrs a week · Rhode Island · single
Pay stub
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,000.00 | $52,000 |
| Federal income tax | − $156.15 | − $4,060 |
| Social Security (FICA) | − $124.00 | − $3,224 |
| Medicare (FICA) | − $29.00 | − $754 |
| Rhode Island income tax | − $58.85 | − $1,530 |
| Take-home pay | $1,632.00 | $42,432 |
FICA is Social Security plus Medicare.
Effective tax rate 18.4% · You keep 82¢ of each dollar · Next $1,000 adds $766
Estimate based on 2026 federal and Rhode Island tax rules updated Oct 2026 How we calculate
You keep
82¢of every dollar
On average you keep 82¢ of each dollar. Of your next $1,000, you’d keep about $766: the dashed line.
- Next $1,000
Every extra $1,000 you earn adds about $766 to your take-home. The other $234 goes to tax.
- Overtime
One more overtime hour a week ($37.50) would add about $57 to each paycheck after withholding.
- In Texas
In Texas the same pay would leave you $1,530 more a year. Texas has no state income tax.
State comparisons cover income and payroll taxes only; living costs and other taxes differ.
Assumptions & notes What this estimate includes and leaves out
Assumptions & Notes
- Federal tax uses the 2026 standard deduction ($16100.00)
- FICA: Social Security 6.2% up to the wage base, Medicare 1.45% plus 0.9% above $200,000. 401(k) deferrals are included; HSA, FSA and commuter benefits are not.
- Rhode Island TDI is withheld from paychecks in this state and is not included in this estimate, so your actual take-home will be slightly lower.
- State income tax calculated for RI
- State tax uses 2026 rates, brackets, and standard deductions (Tax Foundation). County/city income taxes and credit phase-outs are not included.
What common hourly wages leave in Rhode Island
Worked full time at 40 hours a week in Rhode Island, here is what common wages leave after federal tax, Rhode Island income tax and FICA in 2026:
| Wage | Gross | Rhode Island tax | You keep | Share kept |
|---|---|---|---|---|
| $18/hour | $37,440 | $984 | $31,279 | 83.5% |
| $25/hour | $52,000 | $1,530 | $42,432 | 81.6% |
| $35/hour | $72,800 | $2,310 | $57,735 | 79.3% |
Rhode Island takes about 2.9% of that money on top of the 8% federal marginal rate and 7.65% FICA.
How Rhode Island ranks on hourly wages
Across all 50 states and DC, Rhode Island ranks 18th for what $25 an hour leaves in 2026. That is $172 more than the median state ($42,260), and $2,758 more than Oregon, where the same $25 an hour leaves $39,674.
The best outcome anywhere is $43,962 in Alaska and the other states with no wage income tax, $1,530 more than Rhode Island keeps.
Rhode Island hourly wages against the states next door
Crossing a state line changes what the same hourly wage is worth without changing what you are paid. Here is $25 an hour in Rhode Island against the states it borders:
| State | State income tax | You keep | vs Rhode Island |
|---|---|---|---|
| Rhode Island | $1,530 | $42,432 | — |
| Connecticut | $2,110 | $41,852 | $580 less |
| Massachusetts | $2,380 | $41,343 | $1,089 less |
How hourly take-home pay is calculated in Rhode Island
Your hourly wage is just the starting point. Rhode Island workers pay federal and state taxes on their annualized income, plus mandatory FICA contributions. Here's exactly how it works.
- Annualized income determines your bracket: Your employer annualizes your hourly income (hourly rate × hours × 52 weeks) to determine the correct withholding for each paycheck.
- Rhode Island state income tax: Wages are taxed through Rhode Island's graduated income tax (3.75% to 5.99%), applied to each paycheck based on your annualized income and filing status.
- Social Security and Medicare: FICA taxes are 6.2% for Social Security (up to the annual wage base) and 1.45% for Medicare. These are fixed percentages with no deductions or exemptions.
- Pre-tax deductions reduce your taxable income: Contributions to a 401(k), HSA, or FSA are deducted before taxes are calculated, lowering both your taxable income and your tax bill.
The calculator combines all these factors to show your exact take-home pay per paycheck, per month, and annually.
Frequently Asked Questions
Hourly wages in Rhode Island are subject to federal income tax (based on your annualized income and filing status), Rhode Island's graduated income tax (3.75% to 5.99%), and FICA taxes (Social Security at 6.2% up to the annual wage base and Medicare at 1.45%). The calculator annualizes your hourly income to determine the correct tax bracket, then shows your actual per-paycheck take-home.
Multiply your hourly rate by your weekly hours, then by 52: $25/hour × 40 hours × 52 weeks is $52,000 a year. That annualized figure sets your federal and Rhode Island bracket. In Rhode Island it works out to $31,279 on $18 an hour, $42,432 on $25 an hour, $57,735 on $35 an hour: take-home, not gross.
Federal income tax (using progressive brackets based on your annualized income and filing status), Rhode Island's graduated income tax (3.75% to 5.99%), Social Security tax (6.2% up to the wage base, currently $176,100 for 2026), and Medicare tax (1.45% on all income, plus 0.9% for earnings over $200,000 if single or $250,000 if married).
Rhode Island's minimum wage is set by state law and may be higher than the federal minimum of $7.25 per hour. Some cities within Rhode Island have their own higher local minimums. Check your employer's offer against the current Rhode Island Department of Labor rates to verify compliance.
Your total annual tax is the same however often you're paid; only the per-paycheck withholding changes. On $25 an hour in Rhode Island that is about $1,632 every two weeks, $1,768 semi-monthly or $3,536 a month after tax. The calculator adjusts withholding for weekly, bi-weekly, semi-monthly and monthly periods.
Against the 2 states Rhode Island borders, the same $25 an hour is worth $42,432 here: Connecticut leaves $580 less ($41,852) and Massachusetts leaves $1,089 less ($41,343). Rhode Island beats every state it borders on this, so the commute only pays in the other direction.
Rhode Island's first bracket covers $68,200 (unusually large), meaning most middle-income earners pay the same 3.75% rate on most of their income. This creates a situation where the 'progressive' system effectively operates like a flat tax for most taxpayers, which surprises people who expect progressive brackets to mean gradual increases. A $100,000 earner pays an effective rate around 4%-4.5% (approximately $4,000-$4,500 annually), while the same earner in a flat-tax state like Illinois would pay $4,950 (4.95% flat).
Related Tools
- Rhode Island Take-Home Pay Calculator: Full salary and hourly calculator for Rhode Island
- Rhode Island Overtime Calculator: Add overtime hours to your Rhode Island paycheck estimate
- Hourly Paycheck Calculator: Hourly take-home pay for any state