Overtime Pay Calculator — Rhode Island (2026)
Overtime in Rhode Island starts with the federal FLSA floor: 1.5× your regular rate for every hour beyond 40 in a workweek. Some states add daily overtime or double-time rules on top. This calculator shows gross overtime pay and what survives federal, FICA and Rhode Island taxation in 2026. Rhode Island uses a progressive income tax with 3 brackets running from 3.75% up to 5.99%, applied after a state standard deduction of $10,550.
Rhode Island Overtime Pay Calculator
Your base pay per hour.
Hours beyond 40 in the workweek.
Overtime rules that apply in Rhode Island
Rhode Island follows the federal weekly standard: overtime is owed after 40 hours in a workweek, with no general daily overtime requirement.
The "regular rate" is not just your base hourly wage — non-discretionary bonuses, shift differentials and commissions must be folded in before multiplying by 1.5, which raises the true overtime rate for many healthcare workers around Providence.
Is overtime taxed more in Rhode Island?
No — overtime is ordinary wages. It can feel over-taxed because per-period withholding tables annualize a big check as if every week looked like that, temporarily withholding at a higher rate that you recover at filing.
The Rhode Island layer applies to overtime exactly as to base pay, at rates up to 5.99%.
Exempt vs non-exempt in Rhode Island
Salaried does not mean exempt. To be exempt from overtime a worker must clear both a salary threshold and a duties test; misclassification is one of the most common wage claims filed in Rhode Island.
Cost of living in Rhode Island sits 10% above the national average (index 110), median household income is $81,370, and a one-bedroom apartment in Providence rents for roughly $1,900 a month.
Local and payroll taxes Rhode Island adds on top
Temporary Disability Insurance withholds about 1.3% of wages up to the annual taxable wage base. That deduction sits outside the federal and state income tax lines, so build it into your own budget on top of the numbers above.
Rhode Island has no separate city or county income tax, so the state figure above is the full sub-federal income tax you pay.
Overtime hours carry exactly the same local withholding as regular Rhode Island hours; the extra pay is taxed at your marginal rates, not at a special penalty rate, even though the deduction line looks bigger.
Working across a state line from Rhode Island
Rhode Island has no income-tax reciprocity agreements, so if you live here and work across a state line you generally file a nonresident return in the work state and claim a credit at home to avoid double taxation.
Remote and hybrid work complicates this further: most states tax income where the work is physically performed, so a Providence resident spending part of the year at a client site in Massachusetts may owe a nonresident return there. Keep a day-count log if you split time between states.
The rest of your Rhode Island tax bill
Rhode Island charges a 7% state sales tax, homeowners pay an average effective property tax of 1.4% of market value, and the minimum wage in force during 2026 is $16.00 an hour.
7% statewide with no local sales tax.
Income tax is only one part of a state's take. Rhode Island recovers revenue through sales and property tax as well, which is why headline income tax rates alone are a poor guide to how far a salary really goes. Rhode Island exempts Social Security below income limits and allows a $20,000 pension/annuity modification at full retirement age.
Rhode Island vs Massachusetts on the same salary
On a $75,000 salary, a single filer keeps about $59,176 a year in Rhode Island against roughly $57,843 in Massachusetts — a difference of $1,333, or $111 a month.
Effective combined rates are 21.1% in Rhode Island and 22.9% in Massachusetts. Set that gap against living costs: index 110 here versus 148 there, with property tax at 1.4% and 1.14% respectively.
Rhode Island income tax brackets 2026 (single filer)
| Taxable income | Rate |
|---|---|
| $0 – $77,450 | 3.75% |
| $77,450 – $176,050 | 4.75% |
| $176,050 and up | 5.99% |