Rhode Island Capital Gains Calculator

Calculate your federal and Rhode Island capital gains tax liability

2025

Calculate Your
Rhode Island Capital Gains Tax

Rhode Island taxes capital gains as ordinary income using a progressive system with rates up to 5.99%.

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Rhode Island Capital Gains Tax Highlights

Top rate 5.99%
Taxes as ordinary income
No special deductions
y

Enter Your Investment Details

Calculate your capital gains tax for Rhode Island

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📊 Enter your annual taxable income before including this capital gain. This determines your capital gains tax bracket.

📊 Choose your investment holding period

Calculator optimized for Rhode Island tax rates

Tax Calculation Results

Your capital gain is: $0.00
Estimated capital gains tax: $0.00
Federal Tax: $0.00
Rhode Island Tax: $0.00
Net Proceeds After Tax: $0.00
Effective Tax Rate: 0.00%
Disclaimer: Estimate excludes NII taxes, deductions, credits, and losses. Consult a tax advisor.

How Rhode Island Taxes Capital Gains

Rhode Island taxes capital gains as ordinary income using a progressive system with rates up to 5.99%.

2025 Tax Brackets

0% Rate (Single): Up to $48,350
15% Rate (Single): $48,351 - $533,400
20% Rate (Single): Over $533,400

Rhode Island Tax Details

Tax Rate Structure

Top Rate: 5.99%

Capital gains are taxed as ordinary income using progressive tax brackets.

Key Requirements

Filing Required: If gain exceeds threshold
State Due Date: April 15

Rhode Island Tax Strategies

  • • Consider timing of asset sales for tax efficiency
  • • Coordinate with federal capital gains strategies
  • • Review loss harvesting opportunities

• Consult with Rhode Island tax professional for complex situations

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Real Estate in Rhode Island

Real estate capital gains in Rhode Island are subject to both federal and state tax considerations:

Rhode Island Real Estate Tax Rate

Real estate capital gains in Rhode Island are taxed as ordinary income up to 5.99%.

Primary Residence

Federal Rules

Federal Exclusion: $250K/$500K
Holding Period: 2 of 5 years

Rhode Island State Rules

State tax applies to gain above federal exclusion

Must file state return if gain exceeds exclusion

Additional Requirements:
  • • Follows federal IRC Section 121.

Investment Property

Tax Deferral Strategies

1031 Like-Kind Exchanges

Defer federal taxes on investment property exchanges

1031 Conformity: ✓ Yes
Bonus Depreciation: ✓ Allowed

Transfer Costs

Transfer Tax

State Rate: $2.30 per $500 of value (Real Estate Conveyance Tax)
Paid By: seller
Available Exemptions:
  • • Certain family transfers
  • • Transfers to secure a debt.

Recording Fees

Deed Recording: $84 for the first page, plus additional page fees.
Mortgage Recording: $84 for the first page, plus additional page fees.
Additional Fees:
  • • A $4 fee to the state affordable housing fund is included.
Special Deductions & Notes:
  • • Standard federal depreciation rules apply.

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Property Tax Exemptions

Homestead

$0K

Maximum exemption

Senior (65+)

$0K

Additional exemption

Rhode Island Real Estate Specifics

• Rhode Island levies a significant Real Estate Conveyance Tax of 0.46%, paid by the seller.

• All property tax exemptions, including for homesteads and seniors, are determined and administered by the individual cities and towns, leading to wide variation across the state.

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Rhode Island Filing Requirements

Due Dates
Annual Return: April 15
Extension: October 15
Quarterly Est.:
January 15
April 15
June 15
September 15
Required Forms
  • • Form RI-1040
  • • Capital gains schedule
  • • Federal Form 8949 & Schedule D
Payment Options
  • • Online payment portal
  • • Electronic funds transfer
  • • Check or money order

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Compare Rhode Island to Other States

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© 2025 CapitalGainsTaxCalculator.us - For informational purposes only. Consult a tax professional for advice.