Rhode Island TDI tax calculator 2026 – see your exact paycheck deduction

The 2026 Rhode Island TDI rate is 1.1% on the first $100,000 of annual wages — a maximum of $1,100 per year. Enter your salary below to see your exact per-paycheck deduction and estimated net take-home pay.

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Annual gross salary ($)

Pay frequency Weekly (52 pay periods) Biweekly (26 pay periods) Semi-monthly (24 pay periods) Monthly (12 pay periods)

Filing status Single Married filing jointly

Pre-tax 401(k) / retirement ($ per year)

Pre-tax health insurance ($ per year)

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Your 2026 TDI tax & paycheck summary

TDI deduction (per paycheck) $0.00

TDI deduction (annual) $0.00

Annual gross salary $0

Wage base used $100,000

% of wage base reached 0%

TDI rate 1.10%

State income tax (per paycheck) $0.00

FICA (per paycheck) $0.00

Net take-home (per paycheck) $0.00

Note: TDI withholding stops once annual wages reach $100,000.

Results are estimates. Consult a tax professional for exact figures.

2026 Rhode Island TDI tax — quick reference table

All figures use the official 2026 TDI rate of 1.1% on wages up to $100,000, as published by the Rhode Island Department of Labor and Training on December 18, 2025.

Annual salary	Annual TDI deduction	Per biweekly paycheck	Per weekly paycheck	Per semi-monthly	Per monthly
$40,000	$440.00	$16.92	$8.46	$18.33	$36.67
$50,000	$550.00	$21.15	$10.58	$22.92	$45.83
$60,000	$660.00	$25.38	$12.69	$27.50	$55.00
$75,000	$825.00	$31.73	$15.87	$34.38	$68.75
$90,000	$990.00	$38.08	$19.04	$41.25	$82.50
$100,000	$1,100.00	$42.31	$21.15	$45.83	$91.67
$125,000	$1,100.00	$42.31	$21.15	$45.83	$91.67
$150,000	$1,100.00	$42.31	$21.15	$45.83	$91.67
$200,000	$1,100.00	$42.31	$21.15	$45.83	$91.67

Key takeaway: TDI tax caps at $1,100 annually once your salary reaches $100,000. Wages above $100,000 are not subject to TDI. The $100,000 row shows the maximum annual contribution.

What is Rhode Island TDI tax?

Rhode Island Temporary Disability Insurance (TDI) is a state-mandated program that pays partial wages to employees who cannot work because of a non-work-related illness, injury, or pregnancy. The program has been in effect since 1942 and is funded entirely by employee contributions — employers withhold the tax but do not contribute to the fund.

TDI is deducted from every covered employee's paycheck until annual wages reach the taxable wage base. In 2026, that base is $100,000 and the rate is 1.1%, so the most any employee pays is $1,100 for the year. Wages above $100,000 are not taxed.

Who pays TDI? Only employees. Employers withhold and remit the tax but contribute nothing themselves. This makes TDI different from state unemployment insurance (SUI), which is an employer-only tax.

TDI vs. TCI: Rhode Island also has Temporary Caregiver Insurance (TCI), which provides up to eight weeks of paid leave in 2026 for employees bonding with a new child or caring for a seriously ill family member. Both TDI and TCI are funded by the same 1.1% employee payroll deduction. They have different tax treatment, however: TDI benefits are not taxable at the federal or state level, while TCI benefits are taxable income.

2026 TDI tax rates at a glance

The figures below are from the Rhode Island Department of Labor and Training press release dated December 18, 2025, and the DLT benefit update issued June 22, 2026.

What changed from 2025 to 2026: The rate fell from 1.3% to 1.1%, but the wage base increased significantly — from $89,200 to $100,000. For employees earning between $89,200 and $100,000, the expanded base means their total 2026 TDI contribution is higher than in 2025 despite the lower rate. For employees earning below $89,200, the net result is a lower contribution. The weekly benefit maximum also increased from $1,103 to $1,150, effective July 1, 2026.

Effective date: All 2026 contribution rates took effect January 1, 2026. The $1,150 maximum weekly benefit applies to new claims with an effective date of July 1, 2026 or later.

How TDI is calculated on your paycheck

The formula is: (gross annual wages, capped at $100,000) × 0.011 ÷ number of pay periods = TDI deduction per paycheck.

Example — salary below the cap: You earn $75,000 annually and are paid biweekly (26 pay periods). Your TDI taxable wages are $75,000. Multiply $75,000 × 0.011 = $825 annual TDI. Divide by 26 = $31.73 per biweekly paycheck.

Example — salary above the cap: You earn $150,000 and are paid biweekly. TDI taxable wages are capped at $100,000. $100,000 × 0.011 = $1,100 annual TDI. Divide by 26 = $42.31 per biweekly paycheck. The additional $50,000 of income is not subject to TDI.

Do pre-tax deductions reduce TDI? No. TDI is calculated on gross wages before 401(k) or health insurance contributions are deducted. Your TDI deduction is the same regardless of pre-tax elections.

When does TDI stop? Once your cumulative wages for the calendar year reach $100,000, your employer stops withholding TDI for the remainder of that year. For higher earners, this typically occurs in Q4.

TDI benefit estimator – what would you receive?

If you need to file a TDI claim, your weekly benefit is 4.62% of your wages during the highest-paid quarter of your base period. The base period is generally the first four of the last five completed calendar quarters before your claim. This rate increases to 5.38% for claims beginning on or after January 1, 2027, and to 5.77% for claims beginning on or after January 1, 2028, per Rhode Island S0974.

For claims effective July 1, 2026 or later: minimum weekly benefit is $148 and maximum is $1,150.

How to estimate your own benefit: Identify your highest earning quarter in the past year, multiply by 0.0462 (4.62%), and round to the nearest dollar. If the result is below $148, you receive $148. If above $1,150, you receive $1,150. For claims filed before July 1, 2026, the maximum was $1,103 and the minimum was $139.

The Rhode Island Department of Labor and Training calculates your exact benefit from official wage records when you file. This estimate is for planning purposes only.

TDI vs. other Rhode Island payroll taxes

Your paycheck includes several different deductions beyond TDI. Here is how TDI compares to the others you'll see on your pay stub in 2026.

TDI is the only employee-paid tax in this table that stops at a wage cap. State income tax and Medicare continue on all wages with no ceiling. Social Security has a higher cap ($184,500 in 2026) that only affects higher earners. SUI is paid entirely by your employer — it never appears as a deduction on your paycheck.

TDI tax refund – are you owed money?

If you earned more than the TDI wage base but your employer continued withholding TDI, you may be owed a refund. This happens most often when you have multiple Rhode Island employers, or when your salary increases significantly during the year.

Who qualifies for a 2026 refund? You may be eligible if your total wages from all Rhode Island employers exceeded $100,000 in 2026 and any employer withheld TDI on wages above that cap. For 2025, the threshold was $89,200.

How to claim: File Form TX-16-22 with the Rhode Island Division of Taxation, along with W-2 forms from all Rhode Island employers showing total TDI withheld.

Deadline: Refund claims must generally be filed within three years of the return's due date. For 2025 overpayments, the deadline is typically April 15, 2029.

How to check: Look at your year-end pay stub. If total TDI withheld exceeds $1,100 for 2026 (or $1,159.60 for 2025), you have overpaid and should file for a refund.

TDI tax rate history (2020–2026)

Rhode Island's TDI contribution rate and wage base change annually based on the program's fund balance. Source: Rhode Island Department of Labor and Training annual rate announcements.

The 2026 rate is the lowest in this period, but the $100,000 wage base is the highest by a significant margin. Employees earning between $89,200 and $100,000 will pay more in total TDI contributions in 2026 than in 2025, because the expanded wage base more than offsets the lower rate. Employees earning less than $89,200 will pay less.

Special exemptions & multiple employers

Workers aged 14–15: Employees under 16 are exempt from TDI withholding. Employers should not withhold TDI from wages paid to 14- and 15-year-old workers.

Military retirement pay: Military retirement income is not subject to Rhode Island TDI tax and does not count toward the wage base.

Live in MA or CT, work in RI: Rhode Island has no reciprocity agreements with Massachusetts or Connecticut. If you live in a neighboring state but work in Rhode Island, your employer must withhold RI TDI tax (1.1% on wages up to $100,000). You will also owe income tax to your state of residence, but you can claim a credit for taxes paid to Rhode Island on your resident state return. This is different from states like NJ/PA or MD/VA that have reciprocal agreements.

Work-related injury or illness: TDI covers non-work-related disability only. If you are injured on the job or develop a work-related illness, that falls under Workers' Compensation insurance — a separate employer-paid system. TDI and Workers' Comp cannot be collected simultaneously for the same condition. Report work injuries to your employer immediately to start a Workers' Comp claim.

Multiple Rhode Island employers: Each employer withholds TDI independently on your wages at that job until you reach ,000 at that employer. If you work two jobs that together exceed $100,000, TDI may be withheld on wages above the combined cap. You recover the overpayment by filing Form TX-16-22 with the Rhode Island Division of Taxation.

Self-employed workers: Self-employed individuals are not automatically covered. You can elect voluntary TDI coverage by applying with the Rhode Island Department of Labor and Training. If you elect coverage, you pay 1.1% on self-employment income up to $100,000, the same as an employee.

Job protection during TDI leave: Rhode Island law does not automatically guarantee that your employer must hold your job while you are on TDI leave. Other state or federal laws — such as the federal FMLA or Rhode Island's Parental and Family Medical Leave Act — may provide job protection depending on your situation, employer size, and the reason for your leave. Check with a qualified employment attorney if job protection during your leave is a concern.

Why this TDI calculator shows your deduction first

Most paycheck calculators bury TDI in a table of line items. This calculator leads with TDI because that is what most Rhode Island workers searching for this page actually need: the exact dollar amount leaving their paycheck each period, and the annual total.

• TDI-first output: Your TDI deduction appears at the top of results — not buried below Social Security and state tax rows.
• Benefit estimator built in: The page shows what you would receive if you filed a TDI claim, using the current 4.62% benefit formula and the updated July 2026 maximums.
• Wage base progress: The results show exactly what percentage of the $100,000 cap your salary represents, so you can see when withholding will stop.
• Refund guidance: If you have multiple employers and may be overpaying, the page explains the Form TX-16-22 process.
• Current 2026 rates: All figures are verified against official DLT.ri.gov publications, including the July 2026 benefit update.

Frequently asked questions about Rhode Island TDI tax

What is the TDI tax rate in Rhode Island for 2026? +

The Rhode Island TDI tax rate for 2026 is 1.1% of taxable wages up to the annual wage base of $100,000. The maximum annual contribution is $1,100. Source: Rhode Island Department of Labor and Training, December 18, 2025.

What is the TDI wage base for 2026? +

The 2026 TDI taxable wage base is $100,000, an increase of $10,800 (12.5%) from the 2025 base of $89,200. TDI tax applies only to the first $100,000 of annual wages. Once your wages exceed this amount in a calendar year, TDI withholding stops for the rest of the year.

Is TDI tax employee-paid or employer-paid in Rhode Island? +

Rhode Island TDI tax is entirely employee-paid. Employers are required to withhold the 1.1% TDI tax and remit it to the state, but they do not contribute any matching amount to the TDI fund.

How much TDI is deducted from my paycheck? +

Your TDI deduction depends on your gross wages and pay frequency. For a $50,000 annual salary: $550 per year, $21.15 per biweekly paycheck, $10.58 per weekly paycheck, or $45.83 per monthly paycheck. Use the calculator above to see your exact amount.

Can I get a TDI tax refund if I overpay? +

Yes. If your total wages from all Rhode Island employers exceeded $100,000 in 2026 and TDI was withheld on wages above that cap, you are eligible for a refund. File Form TX-16-22 with the Rhode Island Division of Taxation. For 2025 overpayments, the threshold was $89,200 and the maximum contribution was $1,159.60.

Are TDI benefits taxable? +

No. Rhode Island TDI benefits are not subject to Rhode Island state income tax or federal income tax. The Rhode Island Department of Labor and Training states this directly on its tax information page and confirms that TDI recipients do not receive a 1099-G form. Note: TCI (Temporary Caregiver Insurance) benefits are taxable at both the state and federal level — this is a separate program funded by the same TDI payroll deduction.

What is the difference between TDI and TCI in Rhode Island? +

TDI (Temporary Disability Insurance) pays benefits when you cannot work due to a non-work-related illness, injury, or pregnancy. TCI (Temporary Caregiver Insurance) provides up to eight weeks of benefits in 2026 for employees bonding with a new child or caring for a seriously ill family member. Both are funded by the same 1.1% TDI payroll deduction, but their tax treatment differs: TDI benefits are not taxable, while TCI benefits are taxable income.

Do I pay TDI tax if I work in Rhode Island but live in another state? +

Yes. If your work is performed in Rhode Island, your employer must withhold Rhode Island TDI tax regardless of where you live. This applies to all employees working in Rhode Island, including people whose primary residence is in another state.

How is my TDI benefit amount calculated? +

Your weekly TDI benefit is 4.62% of your wages in the highest-paid quarter of your base period. For claims with an effective date of July 1, 2026 or later, the minimum weekly benefit is $148 and the maximum is $1,150. The benefit rate increases to 5.38% for claims beginning January 1, 2027, and to 5.77% for claims beginning January 1, 2028, per Rhode Island S0974.

When does TDI tax stop being deducted from my paycheck? +

TDI withholding stops once your cumulative wages for the calendar year reach $100,000. If you earn $150,000, TDI stops after you reach $100,000, and your employer does not withhold TDI on the remaining $50,000 of wages for that year.

What is the maximum TDI tax I can pay in 2026? +

The maximum TDI tax in 2026 is $1,100 (1.1% × $100,000 wage base). Once this amount has been withheld for the calendar year, no further TDI deductions occur regardless of your remaining wages.

Do I pay TDI if I'm self-employed in Rhode Island? +

Self-employed individuals in Rhode Island are not automatically required to pay TDI tax. You can elect voluntary coverage by applying with the Rhode Island Department of Labor and Training. Without that election, you are not covered and do not pay TDI.

Can I collect TDI and Social Security Disability (SSDI) at the same time? +

Yes, but with offsets. If you receive both Rhode Island TDI and federal SSDI, your SSDI benefit may be reduced so that the combined total does not exceed 80% of your average current earnings before disability. TDI does not reduce your SSDI -- the offset applies to SSDI. The Social Security Administration applies this offset. Consult a disability attorney or the SSA for your specific situation.

Related Calculators

Rhode Island Paycheck Calculator Full paycheck breakdown: federal, state, FICA, TDI Federal Paycheck Tax Calculator IRS 2026 brackets, Social Security, Medicare Massachusetts Paycheck Calculator MA state tax + PFML for RI border workers Connecticut Paycheck Calculator CT income tax + PFML for RI border workers

How this calculator works — methodology & data sources

This calculator uses the official 2026 Rhode Island TDI contribution rate of 1.1% and the $100,000 wage base, as published by the Rhode Island Department of Labor and Training on December 18, 2025. All calculations run in your browser — no data is transmitted to any server.

Calculation logic:

• TDI tax: Gross annual wages capped at $100,000 × 1.1%, divided by the number of pay periods per year.
• State income tax: Calculated using 2026 RI tax brackets from the official 2026 Rhode Island Employer's Income Tax Withholding Tables (tax.ri.gov): 3.75% on $0–$82,050; 4.75% on $82,050–$186,450; 5.99% above $186,450. A standard deduction of $10,550 (single) or $21,100 (married filing jointly) is applied before bracket calculation. This is an approximation of annual tax liability — actual withholding uses an allowance-based method from the official RI W-4 tables.
• FICA: Social Security (6.2% up to the 2026 wage base of $184,500) plus Medicare (1.45% on all wages, with an additional 0.9% surtax on wages above $200,000 for single filers and $250,000 for married filers).
• Pre-tax deductions: 401(k) and health insurance contributions reduce the income used for state and federal income tax calculations, but do not reduce TDI taxable wages. This matches how Rhode Island TDI withholding works in practice.
• Benefit estimator: 4.62% of estimated highest quarter wages (calculated as 25% of annual gross), capped at the July 2026 maximum of $1,150 and the January 2026 minimum of $148.

Data sources:

• Rhode Island Department of Labor and Training — 2026 TDI rates and wage base press release (December 18, 2025): dlt.ri.gov
• Rhode Island Department of Labor and Training — maximum weekly benefit update (June 22, 2026): dlt.ri.gov
• Rhode Island Division of Taxation — 2026 Employer's Income Tax Withholding Tables: tax.ri.gov
• Rhode Island Division of Taxation — 2026 RI W-4 Employee's Withholding Allowance Certificate: tax.ri.gov
• Internal Revenue Service — 2026 Social Security wage base ($184,500): irs.gov

Disclaimer: This calculator provides estimates for informational purposes only. Actual withholding amounts may vary based on your specific circumstances, employer practices, additional exemptions, and official wage records. For definitive calculations, consult a qualified tax professional or the Rhode Island Department of Labor and Training.

About the Author

Shyraz Habib

Founder of AKCalc — a financial calculator hub providing accurate, verified payroll and employment tax calculators built from official government sources. No sign-up required, always free.

Shyraz has over a decade of experience building financial tools and publishing tax compliance guides. All calculators on AKCalc are verified against primary sources (IRS, state departments of revenue, labor departments) and updated annually. Read more about AKCalc's methodology →