Rhode Island pay stubs: income tax and TDI withholding
Rhode Island paychecks include graduated state income tax and a Temporary Disability Insurance deduction of 1.1% for 2026. Here is what gets withheld.
Last reviewed
Rates on this page are for the 2026 tax year and are reviewed every January.
State income tax
Rhode Island uses a graduated income tax with a small number of brackets, and the bracket amounts are adjusted for inflation each year. The Division of Taxation publishes updated withholding tables, and employees use Form RI W-4 to claim their state withholding allowances. Because Rhode Island's lowest rate already applies from the first taxable dollar, most employees see state tax on every regular paycheck.
Other state payroll deductions
Rhode Island was the first state to create a temporary disability program, and it is still paid for entirely by workers.
- Temporary Disability Insurance (TDI). The Department of Labor and Training set the employee contribution at 1.1% for 2026. It is withheld up to an annual taxable wage limit, so very high earners stop paying it partway through the year.
- Temporary Caregiver Insurance (TCI). Paid caregiver leave is funded through the same TDI contribution, so it does not appear as a separate deduction.
Unemployment insurance in Rhode Island is paid by employers, not employees, so it should not appear as a deduction.
Local taxes
Rhode Island cities and towns do not levy income taxes, so where an employee lives or works in the state does not change their withholding.
Federal withholding still applies
- Federal income tax based on the employee's Form W-4.
- Social Security at 6.2%, up to the annual Social Security wage base.
- Medicare at 1.45%, plus 0.9% additional Medicare once wages pass $200,000.
Creating a Rhode Island pay stub with PayStubNest
Go to /app/new, enter hours or a salary, and select Rhode Island. The exact figures on each stub depend on the employee's pay, pay frequency, W-4 choices, deductions and year-to-date totals, and PayStubNest calculates all of it automatically: federal and state withholding, TDI, and the year-to-date totals that tell you when an employee has reached the TDI wage limit. Preview the result free and only pay for the download.
Record-keeping tip
Label the TDI line clearly on every stub. Employees who later file a disability or caregiver claim often want to confirm they were contributing, and a clean year-to-date TDI total answers that quickly. Rate details come from the Rhode Island Department of Labor and Training and tax questions from the Division of Taxation. See our FAQ for more.