Rhode Island Hourly Paycheck Calculator

Rhode Island payroll taxes

A typical Rhode Island paycheck includes federal income tax, Social Security, Medicare, Rhode Island state income tax, and an employee-paid TDI/TCI contribution (Temporary Disability Insurance / Temporary Caregiver Insurance). Municipalities generally do not levy employee local wage taxes. Employers fund unemployment insurance (SUTA), FUTA, workers’ compensation, and must maintain required notices/records. Pretax benefits—401(k)/403(b)/457(b), HSA, FSA, commuter/transit, and Section 125 insurance premiums—may reduce taxable wages when plan-eligible.

• Employee (federal): Income tax (IRS W-4), Social Security, Medicare, and Additional Medicare for high earners.
• Employee (state/programs): RI state withholding (Form RI-W4 elections) and TDI/TCI payroll deduction.
• Local (employee): No municipal wage/income tax in Rhode Island.
• Employer: RI SUTA; FUTA; workers’ compensation; required postings and recordkeeping.
• Pretax deductions: May lower federal/state taxable wages and, when eligible, FICA; program treatment follows plan and state rules.

How Your Rhode Island Paycheck Works

Your net equals gross hourly wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions; then minus FICA, federal income tax, Rhode Island state withholding, and the employee TDI/TCI contribution. With no municipal wage tax, there is no city/town withholding line. The calculator itemizes hours, rates, taxable wages, all withholdings, deductions, credits, and final take-home.

• Inputs: Hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, deductions.
• Outputs: Line-by-line FICA, federal, RI state, TDI/TCI, deductions, and estimated net pay.
• Supplemental wages: Compare flat vs. aggregate federal methods for bonuses/commissions and see state effects.

Rhode Island Income unemployment tax rate — 10 Years (Employer SUTA)

Replace placeholders with official Rhode Island Department of Labor & Training figures (taxable wage base, experience-rated range, and new-employer rate) before publishing.

Rhode Island salary threshold

Rhode Island follows FLSA and state rules. Exempt status requires passing the duties tests and meeting the applicable salary-basis threshold; titles alone don’t create exemption. Confirm state minimum wage, tip-credit/service-charge practices, predictive scheduling (industry-specific), and any sector rules when classifying roles and calculating overtime.

Median Household Income: Rhode Island — 10 Years

Insert the latest U.S. Census/ACS one-year (or five-year) estimates for Rhode Island before publishing.

Rhode Island Federal Insurance Contributions Act (FICA)

FICA is federal and applies in Rhode Island: employees pay Social Security and Medicare; employers match both. Above a federal threshold, Additional Medicare tax is withheld from employees (no employer match). Eligible pretax benefits (e.g., Section 125 health premiums) can reduce FICA-taxable wages depending on plan rules.

Number of cities that have local income taxes

50-word description: Rhode Island cities and towns do not impose employee local income or wage taxes. Paychecks show federal income tax, FICA, Rhode Island state withholding, and the employee TDI/TCI deduction, plus any elected benefits. Multistate commuters could face other jurisdictions’ local wage taxes—always confirm residency and worksite before estimating take-home pay.

Illustrative Rhode Island local wage/income tax table (verify current rules before use)

Rhode Island Wage and Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt workers earn 1.5× the regular rate after 40 hours/week (FLSA baseline). Some retail/holiday premium pay rules may apply—verify employer and industry coverage.
• Pay frequency: Employers must pay on a regular, predictable schedule (commonly weekly, biweekly, or semimonthly) with itemized wage statements.
• Minimum wage/tips: Rhode Island sets state minimum wage and tipped wage with tip-credit rules—confirm current thresholds and notice requirements.

Additional Rhode Island forms

• IRS Form W-4 (federal withholding elections).
• Rhode Island Form RI-W4 (Employee’s Withholding Allowance Certificate).
• Form I-9 employment eligibility; Rhode Island new-hire reporting.
• Direct deposit authorization; benefits enrollment (401(k), HSA, FSA, transit, insurance).
• Rhode Island unemployment (employer) account registration; required workplace posters.

FAQs about the Rhode Island Hourly Paycheck Calculator

How do I use the Rhode Island Hourly Paycheck Calculator?

Enter hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, and pretax/post-tax deductions. The calculator applies FICA, federal, Rhode Island state withholding, and the TDI/TCI payroll deduction to produce a clear, line-by-line net estimate.

Why is there a TDI/TCI deduction on my Rhode Island pay stub?

Rhode Island funds Temporary Disability and Temporary Caregiver Insurance via an employee payroll contribution. It appears as a separate deduction in addition to state income tax and FICA.

Does Rhode Island have city income taxes?

No. Rhode Island municipalities do not levy local wage taxes on employees. Your paycheck reflects federal taxes, FICA, state withholding, TDI/TCI, and any elected benefits.

Which form controls my Rhode Island state withholding?

Form RI-W4 controls your state withholding elections (paired with IRS W-4 for federal). Update after life changes and align settings with calculator inputs for accuracy.

How should I enter overtime, shift differentials, tips, and bonuses?

Input overtime at 1.5× when eligible; add differentials and reported tips; enter bonuses as supplemental wages so federal/RI rules and TDI/TCI apply correctly.

Why did my Rhode Island paycheck change this period?

Common reasons: variable hours/tips, overtime/bonus (supplemental method), updated W-4/RI-W4, benefit changes, TDI/TCI rate changes, or annual tax-table updates. Compare current vs. prior stubs line by line.

Does the calculator work for nonresidents working in Rhode Island?

Yes. RI withholding generally applies to RI-sourced wages for nonresidents. TDI/TCI applies to covered employment. Your home state may offer credits—verify filing rules.

Can pretax benefits increase my take-home?

Yes. 401(k)/403(b)/457(b), HSA, FSA, commuter/transit, and Section 125 premiums can reduce taxable wages and lower income tax and, when eligible, FICA—often improving net pay.

How are tips treated in Rhode Island paycheck calculations?

Reported tips are taxable for federal, FICA, and Rhode Island income tax. Include cash and charged tips to ensure correct withholding and tip-credit compliance.

How do multiple jobs affect my withholding?

Use IRS multiple-jobs guidance on your W-4 and ensure RI-W4 reflects your situation. Model each job separately to avoid under-withholding across employers.

What is Additional Medicare tax and when does it apply?

After wages exceed the federal threshold, employers must withhold Additional Medicare on the excess. There is no employer match; it appears alongside regular Medicare on your stub.

Are bonuses and commissions taxed differently?

They are supplemental wages. Employers may use a flat federal supplemental rate or aggregate with regular wages; Rhode Island withholding and TDI/TCI still apply based on rules.

What do people ask on Google about the Rhode Island Hourly Paycheck Calculator?

“Why is TDI/TCI on my stub?” “How much will I take home in Providence?” “How to fill RI-W4?” “Do 401(k)/HSA/FSA increase net?” “How to model a bonus precisely?”

What do Reddit users commonly discuss about Rhode Island paycheck estimates?

“My RI net seems low—are TDI/TCI rates higher this year?” “Overtime vs. second job after deductions?” “Best pretax mix to raise take-home?” “Flat vs. aggregate bonus withholding?”

What do people ask on Quora regarding Rhode Island hourly pay calculators?

“Estimate net before accepting a job in Providence or Warwick?” “Gross vs. taxable vs. net?” “How W-4 and RI-W4 interact?” “How do tips/commissions affect RI taxes and TDI/TCI?”