Rhode Island SALT Cap Calculator
For Rhode Island filers.
The short answer: At the scenario numbers below, the OBBBA SALT deduction is $9,000 — about $1,980 back at a 22% rate ($76 per biweekly paycheck).
Old cap (pre-OBBBA): $10,000 deductible
Your OBBBA cap: $40,000
Extra deduction: $9,000
Est. federal tax savings: $1,980
Your state+local taxes ($19,000) are below your $40,000 cap
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Your State's Slice of the $40,000 Cap
RI's 5.99% top rate plus high effective property tax rates cross the old cap for many.
- • Income + property → SALT to $40,000
- • Phase-out above $500,000 MFJ
- • Tangible property tax on vehicles counts
Worked Example
A Providence MFJ household, $225,000 MAGI: about $13,000 income tax plus $6,000 property tax.
- • Deductible amount: $9,000
- • Federal income tax savings: $1,980 (at the 22% marginal rate)
- • Per biweekly paycheck: $76
Keep Reading
Frequently Asked Questions
Is Rhode Island car excise tax deductible?
The vehicle excise is a local property tax — deductible if based on value.
Did OBBBA help RI itemizers?
Yes — many were capped at $10,000; the new cap frees the full amount.