RI · Tax Year 2026
How Rhode Island taxes Social Security, pensions, 401(k)/IRA withdrawals, and military retirement pay in 2026.
$50,000 per eligible person pension/annuity/401(k) exclusion; military fully exempt
Full Social Security retirement age and indexed AGI limit required
Additional Notes
IRA distributions do not qualify; 2026 indexed AGI threshold not verified
Does Rhode Island tax Social Security benefits?
It depends. Rhode Island offers partial exemption for Social Security — eligibility is typically income-based or age-based. See the details above.
Does Rhode Island tax pension income?
Partially. Rhode Island provides exemptions for certain types of pension income — often public, government, or military pensions — while private pensions may be partially or fully taxable. See eligibility details above.
Does Rhode Island tax 401(k) and IRA withdrawals?
Yes, traditional 401(k) and IRA withdrawals are generally taxable in Rhode Island. However, exclusions or credits may apply depending on your age and income — review the details above.
Is Rhode Island a tax-friendly state for retirees?
It depends on your income mix. Rhode Island offers some retirement income relief, but the rules vary by income type and eligibility. Review the details above and consider consulting a tax professional for your specific situation.
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Data Source
Official Rhode Island state tax authority guidance. Tax year 2026. Some annually indexed thresholds may not yet be finalized — confirm with the state revenue department before filing.
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Data reflects tax year 2026 rules sourced from official Rhode Island state tax authorities. This page is for informational purposes only — always confirm current rules with the state revenue department or a qualified tax professional before making financial or relocation decisions.