Skip to content

Rhode Island Retirement Income Tax Calculator

Rhode Island taxes a portion of Social Security benefits.

Rhode Island retirement income tax estimator

Rhode Island taxes a portion of Social Security benefits.

Rhode Island tax —
After state tax —
Effective state rate —

Rhode Island at a glance

FigureRhode IslandSource
Taxes Social Security?Yes (partially)[2]
Top marginal rate5.99%[2]
Taxes pension income?Generally yes[2]
Cost of living index111.2[1]

[2] [1] Sources

Top marginal income tax rate — all 50 states

Rhode Island highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Top marginal income tax rate — all 50 states. Rhode Island is 5.99%, ranked 14 of 50. The national median is 4.55%, the highest is 13.30% (California), and the lowest is 0.00% (Wyoming). CA 13.30% HI 11.00% NY 10.90% NJ 10.75% OR 9.90% MN 9.85% MA 9.00% VT 8.75% WI 7.65% ME 7.15% CT 6.99% DE 6.60% MD 6.50% RI 5.99% NM 5.90% VA 5.75% MT 5.65% KS 5.58% ID 5.30% SC 5.21% AL 5.00% GA 4.99% IL 4.95% MO 4.70% WV 4.58% NE 4.55% OK 4.50% UT 4.50% CO 4.40% MI 4.25% MS 4.00% NC 3.99% AR 3.90% IA 3.80% KY 3.50% PA 3.07% LA 3.00% IN 2.95% OH 2.75% AZ 2.50% ND 2.50% AK 0.00% FL 0.00% NV 0.00% NH 0.00% SD 0.00% TN 0.00% TX 0.00% WA 0.00% WY 0.00%

Highlighted: Rhode Island, ranked 14 of 50. Median 4.55%.

Rhode Island state tax by retirement income mix

Annual Rhode Island tax on each combination of Social Security and other retirement income.

Social SecurityNo other income+$10,000 other+$20,000 other+$30,000 other+$45,000 other+$60,000 other+$80,000 other+$110,000 other
$9,000$458$1,057$1,656$2,255$3,154$4,052$5,250$7,047
$12,000$611$1,210$1,809$2,408$3,306$4,205$5,403$7,200
$15,000$764$1,363$1,962$2,561$3,459$4,358$5,556$7,353
$18,000$916$1,515$2,114$2,713$3,612$4,510$5,708$7,505
$21,000$1,069$1,668$2,267$2,866$3,765$4,663$5,861$7,658
$24,000$1,222$1,821$2,420$3,019$3,917$4,816$6,014$7,811
$27,000$1,375$1,974$2,573$3,172$4,070$4,969$6,167$7,964
$30,000$1,527$2,126$2,725$3,324$4,223$5,121$6,319$8,116
$33,000$1,680$2,279$2,878$3,477$4,376$5,274$6,472$8,269
$36,000$1,833$2,432$3,031$3,630$4,528$5,427$6,625$8,422
$39,000$1,986$2,585$3,184$3,783$4,681$5,580$6,778$8,575
$42,000$2,138$2,737$3,336$3,935$4,834$5,732$6,930$8,727
$45,000$2,291$2,890$3,489$4,088$4,987$5,885$7,083$8,880
$48,000$2,444$3,043$3,642$4,241$5,139$6,038$7,236$9,033
$54,000$2,749$3,348$3,947$4,546$5,445$6,343$7,541$9,338

Worked figures for Rhode Island

Rhode Island values:

ProfileGrossState TaxNetEffective
$18,000 SS + $0 pension + $5,000 401k$23,000$1,216$21,7845.29%
$24,000 SS + $0 pension + $10,000 401k$34,000$1,821$32,1795.36%
$24,000 SS + $12,000 pension + $10,000 401k$46,000$2,540$43,4605.52%
$30,000 SS + $20,000 pension + $15,000 401k$65,000$3,624$61,3765.58%
$30,000 SS + $30,000 pension + $20,000 401k$80,000$4,522$75,4785.65%
$36,000 SS + $40,000 pension + $25,000 401k$101,000$5,726$95,2745.67%
$42,000 SS + $50,000 pension + $40,000 401k$132,000$7,529$124,4715.70%
$48,000 SS + $60,000 pension + $50,000 401k$158,000$9,033$148,9675.72%

How Rhode Island compares nationally

On top marginal income tax rate, Rhode Island ranks #14 of 50 at 5.99% — 32% above the median of 4.55%. The national range runs from 0.00% (Wyoming) to 13.30% (California).

RankStateTop marginal income tax rate
#12Delaware6.60%
#13Maryland6.50%
#14Rhode Island5.99%
#15New Mexico5.90%
#16Virginia5.75%

Taxes Social Security benefitss, ranked

Same rule structure as Rhode Island:

StateTop marginal income tax ratevs Rhode Island
Minnesota9.85%+64.4%
Rhode Island5.99%—
Colorado4.40%-26.5%

Rhode Island questions, answered with Rhode Island numbers

Does Rhode Island tax Social Security?▾
Yes, Rhode Island taxes a portion of Social Security benefits.
What would a $65,000 retirement income cost in Rhode Island tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, Rhode Island would take about $3,624 — an effective state rate of 5.58%, leaving $61,376.
Is Rhode Island a good state to retire in on taxes alone?▾
Rhode Island's top marginal rate is 5.99% and its cost of living index is 111.2. Tax is only one input — housing at a $517,000 median matters at least as much.

Other taxes social security benefitss

Colorado Minnesota

Last reviewed 2026-08-26. Rhode Island figures only — verify with the relevant Rhode Island agency before acting. How this is calculated.