Pay Stub Generator
Create itemized pay stubs for employees and self-employed individuals. Gross pay, federal/state withholdings, FICA, deductions, and net pay.
About the Pay Stub Generator
The Pay Stub Generator creates the same itemized paystub a payroll service like ADP or Gusto produces - gross pay, federal income tax, Social Security and Medicare (FICA), state tax for any US state, plus pre-tax 401(k) and health-insurance deductions. Output is a print-ready PDF for income verification, loan applications, rental applications, or employee records.
Designed for sole proprietors paying themselves a draw, small employers without payroll software, freelancers who need to prove income for a mortgage or apartment lease, and HR teams reissuing lost stubs. The calculations use current tax brackets and FICA rates, and year-to-date totals roll forward correctly when you generate multiple periods.
Common use cases
- Prove freelance or self-employed income for a mortgage application
- Document weekly or biweekly pay for small-business employees
- Reissue a lost paystub from a current or past pay period
- Provide income verification for an apartment rental or auto loan
Tips for accurate results
For income verification purposes, generate the last two months of paystubs together - most landlords and loan officers ask for 2-3 paystubs to establish income consistency. Use the YTD field to show running totals; that establishes that the income is recurring, not a one-off. Mismatched YTD numbers across stubs is a red flag, so be careful with the math when generating retroactively.
Privacy & data handling
The Pay Stub Generator runs entirely in your browser. Nothing you enter is uploaded, logged, or shared with third parties - the math happens locally and your inputs disappear when you close the tab. There is no signup, no email collection, and no daily-use limit.
Who needs a pay stub generator?
Sole proprietors paying themselves a draw, small employers without payroll software, freelancers proving income for loan or rental applications, and HR teams that need to reissue lost stubs. The tool produces the same structured breakdown a payroll service would generate.
Does it calculate taxes automatically?
Yes - enter gross pay and pay frequency, and the tool computes federal income tax (using current brackets and your filing status), Social Security and Medicare (FICA), state income tax for the US state you select, plus any pre-tax 401(k) and health-premium deductions you specify.
Can I add custom deductions?
Yes - beyond the standard withholdings, you can add unlimited custom lines for retirement contributions, garnishments, child support, HSA, dental, vision, parking, etc. Each line can be pre-tax or post-tax and flat-dollar or percentage.
Is a generated pay stub legally valid?
A pay stub is a record of pay, not a legal instrument by itself. As long as the numbers are accurate and represent a real payment, the document is valid for personal records, expense reimbursement, and income verification. Fabricating pay stubs for transactions you didn't actually make is fraud - don't do that.
Does it support year-to-date totals?
Yes - enter prior YTD figures and the tool adds current-period amounts to compute updated YTD columns. This matches how real payroll providers structure stubs and is what loan officers expect to see for income verification.
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