The chlorophyll content is a vital indicator of rice growth and nutritional status. However, estimating the rice chlorophyll content using spectral-based techniques at the early tillering stage is challenging because of background interference. Using the energy conservation principle, this study explained the spectral variation and background interference mechanisms of clear, muddy, and green algae-covered backgrounds. We developed mathematical interference models for the three types of backgrounds and determined their interference degree and influence mode. We developed rice chlorophyll content estimation models for unclassified and classified (clear, muddy, and green algae-covered) backgrounds using 12 preprocessing, four wavelength selection, and three modeling methods, and we explored the importance of background classification. Moreover, we found that the optimal chlorophyll content estimation model for the clear background was SS+UVE+CNN, with R2 and RMSE values of 0.786 and 13.191 in the training set and 0.741 and 15.327 in the test set, respectively; that for the muddy background was MSC+GA+CNN, with R2 and RMSE values of 0.914 and 10.425 in the training set and 0.660 and 16.844 in the test set, respectively; and that for the green algae-covered background was DC+GA+CNN, with R2 and RMSE values of 0.904 and 9.111 in the training set and 0.688 and 17.694 in the test set, respectively. Our study could provide valuable insights into reducing and correcting background interference during proximal remote sensing data collection.