---
title: "Rhode Island 1099 Tax Calculator 2026: Self-Employment & State Tax | TaxWren"
description: "Estimate 2026 Rhode Island state income tax, self-employment tax and federal income tax for freelancers and 1099 contractors, plus how much to set aside."
url: https://taxwren.com/1099-tax-calculator/rhode-island
---

2026 tax year · updated Oct 10, 2026

# Rhode Island 1099 tax calculator

Rhode Island has a graduated income tax with 3 rates from 3.75% to 5.99%; the top rate starts at $186,450 of taxable income for single filers. Estimate your self-employment, federal and Rhode Island taxes below.

Estimated take-home

23.7% effective

For $85,000 of 1099 income · Single · Rhode Island

$64,855

$5,405 per month

Set aside 24% of every payment

That covers federal, self-employment and state tax on this income.

- Self-employment tax: $12,010
- Federal income tax: $5,790
- State income tax: $2,345
- Total estimated tax: $20,145

## 2026 quarterly payments (Form 1040-ES)

-   Q1 · due Apr 15, 2026
    
    $5,036
    
    Covers Jan 1 – Mar 31
    
-   Q2 · due Jun 15, 2026
    
    $5,036
    
    Covers Apr 1 – May 31
    
-   Q3 · due Sep 15, 2026
    
    $5,036
    
    Covers Jun 1 – Aug 31
    
-   Q4 · due Jan 15, 2027
    
    $5,036
    
    Covers Sep 1 – Dec 31
    

What this estimate assumes

-   Standard deduction (no itemizing)
-   No employees or business property (QBI wage limits treated as zero)
-   No child tax credit
-   No local income tax
-   Excludes 2025 law deductions for tips, overtime, seniors and car loan interest
-   Some Rhode Island rules are simplified (see the state page)

Estimate for information only, not tax advice. 2026 figures from IRS Rev. Proc. 2025-32.

## Taxes for Rhode Island freelancers in 2026

Single filers get a standard deduction of $11,200 ($22,400 married filing jointly) and a personal exemption of $5,250.

On $85,000 of 1099 profit, a single filer owes about $2,345 in Rhode Island income tax on top of $17,800 in federal taxes. That ranks 15th lowest of 51 (50 states and DC), $383 less than the median state.

No neighboring state taxes this income less. Connecticut and Massachusetts would charge up to $1,384 more.

## Rhode Island income tax brackets for 2026

| Rate | Single: taxable income over | Married jointly: over |
| --- | --- | --- |
| 3.75% | $0 | $0 |
| 4.75% | $82,050 | $82,050 |
| 5.99% | $186,450 | $186,450 |

## Rhode Island vs. neighboring states

Tax on $85,000 of 1099 profit for a single filer in 2026. The median across all 50 states and DC is $2,729 of state income tax.

| State | State tax | Total tax | Take-home |
| --- | --- | --- | --- |
| Rhode Island | $2,345 | $20,145 | $64,855 |
| [Connecticut](/1099-tax-calculator/connecticut) | $2,770 | $20,570 | $64,430 |
| [Massachusetts](/1099-tax-calculator/massachusetts) | $3,730 | $21,530 | $63,470 |

## How Rhode Island taxes changed

For 2026, Rhode Island raised the single standard deduction from $10,900 to $11,200. State tax on $85,000 of 1099 profit falls from $2,362 to $2,345 (−$17).

Rhode Island income tax on $85,000 of 1099 profit

Take-home pay on a $75,000 salary

|  | 2025 | 2026 |
| --- | --- | --- |
| Top income tax rate | 5.99% | 5.99% |
| Standard deduction (single) | $10,900 | $11,200 |
| State tax on $85,000 of 1099 profit | $2,362 | $2,345 |
| Take-home on a $75,000 salary | $59,101 | $59,397 |

Each year uses that year's federal and Rhode Island rules, so the take-home row also reflects federal changes. [Federal changes](/federal-tax-brackets) · [All data updates](/tax-law-changes)

## What this estimate simplifies

-   The phaseout range for the standard deduction, personal exemption, and dependency exemption is $261,000 to $290,800. For taxpayers with modified Federal AGI exceeding $290,800, no standard deduction, personal exemption, or dependency exemption is available.

Sources: [Rhode Island revenue department](https://tax.ri.gov), [Tax Foundation, State Individual Income Tax Rates and Brackets](https://taxfoundation.org/data/all/state/state-income-tax-rates-2026/), [IRS Rev. Proc. 2025-32](https://www.irs.gov/pub/irs-drop/rp-25-32.pdf). See our [methodology](/methodology).

## Rhode Island 1099 tax FAQ

### Does Rhode Island have a state income tax?

Rhode Island has a graduated income tax with 3 rates from 3.75% to 5.99%; the top rate starts at $186,450 of taxable income for single filers.

### How much should a freelancer in Rhode Island set aside for taxes?

A single filer with $85,000 of 1099 profit and no other income should set aside about 24% of every payment in 2026: $12,010 self-employment tax, $5,790 federal income tax and $2,345 Rhode Island income tax. Use the calculator for your own income, expenses and filing status.

### What is the top Rhode Island income tax rate in 2026?

5.99%. Rhode Island has a graduated income tax with 3 rates from 3.75% to 5.99%; the top rate starts at $186,450 of taxable income for single filers.

### Do I need to make estimated tax payments to Rhode Island?

Generally yes, if you expect to owe state tax that is not covered by withholding. Rhode Island sets its own thresholds and due dates; check the Rhode Island revenue department's estimated payment rules.

Rhode Island at a glance

- Top income tax rate: 5.99%
- State tax on $85,000: $2,345
- Rank (1 = lowest): 15 of 51
- Set aside: 24%

Nearby states

-   [Rhode Island take-home pay calculator](/take-home-pay-calculator/rhode-island)
-   [Connecticut 1099 tax calculator](/1099-tax-calculator/connecticut)
-   [Massachusetts 1099 tax calculator](/1099-tax-calculator/massachusetts)

[Compare all states on the map](/states)