Rusty Tredwell meets coastal New England households from the Marblehead office. Cindy Bragdon, CFP®, CTFA, works on estate planning with the firm. This page states the Rhode Island rule and runs an educational estimate. It does not say what your documents should do.
Educational estimate based on law as of 2026-10-22; not tax or legal advice. Actual liability depends on asset titling, deductions, gifts, and future law changes. Consult a qualified estate attorney and CPA. Vital Investment Management, LLC is a fee-only, independently owned, locally based, SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Form ADV · Form CRS.
Rhode Island worked example
A Rhode Island resident's estate is entered as $2,100,000 of investments and $100,000 of debts. Gross estate $2,100,000. Federal taxable estate $2,000,000. Estimated federal estate tax $0.
- Rhode Island: estimated tax $11,660. The filing test is met.
Rules as of 2026-10-22. Dollars are rounded to the nearest dollar.
The rule in plain language
| State | 2026 rule used here |
|---|---|
| Rhode Island | Rhode Island advisory ADV 2025-27 (December 30, 2025) sets the 2026 credit at $87,940, which exempts a net taxable estate of $1,838,056 or less. The credit is applied against the former federal state-death-tax table. Rates on that table run from 0.8% to 16%. Rhode Island Division of Taxation advisory ADV 2025-27 |
In this worked example the Rhode Island estimate is $11,660 and the federal estimate is $0.
Questions
What Rhode Island figure does this page use?
Rhode Island advisory ADV 2025-27 (December 30, 2025) sets the 2026 credit at $87,940, which exempts a net taxable estate of $1,838,056 or less. The credit is applied against the former federal state-death-tax table. Rates on that table run from 0.8% to 16%.
Is this tax or legal advice?
No. It is an educational estimate from the published rules as of October 22, 2026. A qualified estate attorney and CPA determine the return.
Does the federal $15 million exclusion replace the state rule?
No. The federal basic exclusion for 2026 deaths is $15,000,000. Rhode Island uses its own rule, which is stated on this page.
Do I have to enter an email to see the estimate?
No. The estimate is shown on the page. Emailing a copy is optional and does not hide the result.
Run your own figures
Results appear on this page. Nothing is emailed unless you ask.
Educational estimate based on law as of 2026-10-22; not tax or legal advice. Actual liability depends on asset titling, deductions, gifts, and future law changes. Consult a qualified estate attorney and CPA. Vital Investment Management, LLC is a fee-only, independently owned, locally based, SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Form ADV · Form CRS.