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Free Pay Stub Generator – Create Pay Stubs Online

Make a free pay stub or check stub online using your actual payroll details. Enter salary or hourly earnings, review estimated withholding and deductions, choose from 9 templates, then preview and download your PDF for free.

Create Free Pay Stub Free PDF Download · 9 Templates · No Sign-Up to Start
100% free PDF download Preview before download All 50 states + DC
Calculations from the official 2026 IRS withholding tables
Free download, no checkout required
FREE PDF

How it works

Create Pay Stubs Online in Three Steps

Enter your company and worker details to make a pay stub online, review the completed preview against real payroll records, and download the finished PDF for free.

Start Creating Your Pay Stub
1. State of residency
California▾
2. Employee information
✓ EmployeeContractor
Employee name
xxx-xx-____ (SSN)
1

Enter Your Pay Stub Details

Enter your company, work schedule, state, and salary. Switch between employee and 1099 contractor in one tap.

Preview
2

Choose a Pay Stub Template and Preview

Choose a template and review your estimated taxes, earnings, and deductions in the preview before downloading.

PDFOne PDF file
ZIPMultiple files
JPGImage file
Download Your Paystub
3

Download Your Pay Stub

Download your finished PDF for free. Review the document before printing or saving it for your records.

Paystub templates

Professional pay stub templates

Choose a professional pay stub template, compare pay stub templates, create your pay stub online, and review the completed layout before downloading. You can also upload an authorized company logo and confirm the pay stub with logo in the preview.

  • 9ready-made layouts
  • 2styles: soft blue & black and white
  • 50states calculated automatically
Earnings Statement
EmployeeSoc SecEmp IDChequePay Date
 xxx-xx-—434907-10-25
EarningsRateHoursCurrentDeduct
Regular Income080.000.00
YTD GrossYTD DedYTD NetCurrentNet Pay
0.000.000.000.000.00
Soft Blue Paystub

A short, compact layout with teal headers. Shows pay, hours, and deductions with a clear YTD summary.

Use this template Preview
Earnings Statement
EmployeeSoc SecEmp IDChequePay Date
 xxx-xx-—434907-10-25
EarningsRateHoursCurrentDeduct
Regular Income080.000.00
YTD GrossYTD DedYTD NetCurrentNet Pay
0.000.000.000.000.00
Black & White Paystub

The same compact layout in clean black and white. Easy to read and quick to print.

Use this template Preview
Earnings StatementPeriod Ending 10/07/2025 · Pay Date 10/07/2025
SSN: xxx-xx-   Taxable Marital Status: Single
EarningsRateHoursThis Period / YTD
Regular Income080.00 / 0.00
Gross Pay0.00 / 0.00
DeductionsThis PeriodYear to Date
Net Pay0.00    0.00
Your deductions for this period are 0.00
Payroll Check Number: 4349   Pay Date: 10/07/2025
Zero dollar And cents0.00
Soft Blue, Long Size

A full-length layout with teal bands, gross pay and deductions sections, and a bold net pay line.

Use this template Preview
9 layouts
View all templates

Browse every layout in soft blue and black & white, short and long.

See all templates →

Pay stub basics

What is a pay stub?

A pay stub, also called a paycheck stub, check stub, pay slip, or earnings statement, is the document that breaks down what you earned in a pay period and what was taken out. It shows your gross pay, the taxes withheld, any deductions, and the net pay you actually take home. For a full walk-through of the format, see what a pay stub is and how each section fits together.

Pay stub, check stub, and paycheck stub: what is the difference?

These names commonly refer to the same itemized earnings statement. A pay stub generator or check stub maker helps you prepare that record from actual wages, deductions, and dates. It does not issue a paycheck or independently verify income.

To create a free pay stub, enter your real payroll details, compare the estimated taxes and net pay with your records, preview the layout, and download the completed PDF.

Create an electronic pay stub for your records

An electronic pay stub is a digital version of an itemized pay record. ePaystubs lets you enter the relevant pay details, review the layout, and download the completed document. Electronic paystubs should be kept with the source records used to prepare them.

A pay stub generator does not issue a paycheck

“Paycheck generator” is sometimes used when someone is looking for a paycheck stub generator. ePaystubs prepares a pay record from the information entered. It does not print negotiable checks, send direct deposits, move money, or independently verify employment or income.

What is on a pay stub

Every line on a stub has a purpose. If you have ever wondered what the codes mean, our guide on how to read a pay stub explains it in plain terms, including what FICA is on a pay stub and what YTD means. Understanding these makes it easy to check that a generated stub is accurate before you use it.

Why people need a pay stub

Employees and employers use pay stubs to review earnings and withholding, keep payroll records, and support income-verification requests. A pay stub is not a replacement for a required employer-issued W-2 or an independently verified income record. Freelancers and small businesses should keep source documents for the earnings they report.

See how the pay stub generator works, start to finish.

Watch a full pay stub built step by step.

Real calculations, not a blank template

Why Our Pay Stub Generator Does More Than a Blank Template

Unlike a basic pay stub template, the ePaystubs pay stub generator calculates federal, FICA, and state taxes from the pay information you enter. That helps you create an itemized check stub without calculating every figure manually.

Blank-template toolsError-prone

You do the math and hope

Enter every number yourself
Federal tax?
Social Security & Medicare?
State tax?
Net pay???
  • Empty fields you fill in by hand
  • No automatic federal or state tax
  • Easy to get the FICA cap wrong
ePaystubsCalculated for you

The numbers are done automatically

Enter pay once, we calculate the rest
Federal tax258.00
Social Security & Medicare197.37
CA state tax239.94
Net pay$1,884.69
  • Enter pay, filing status, and state, that is it
  • Federal, FICA, and state applied automatically
  • Social Security capped at $184,500, Medicare surtax over $200,000
Create Your Pay Stub

Built on 2026 tax rules

What Our Online Check Stub Maker Calculates

6.2%
Social Security, up to the 2026 wage base of $184,500
1.45%
Medicare on all wages, plus 0.9% over $200,000
50 + DC
Every state, including the 9 with no income tax
2026
Current federal brackets by filing status

The ePaystubs check stub maker and pay stub generator use current 2026 tax rules to calculate each stub automatically instead of leaving you with a blank template. Here is exactly what the calculator handles for you:

Federal income tax: current 2026 brackets by filing status, whether single, married, or head of household.
Social Security: 6.2% of wages up to the 2026 wage base of $184,500, then it stops automatically.
Medicare: 1.45% on all wages, plus the additional 0.9% on wages above $200,000.
State income tax: the correct rate for each of the 50 states, including the nine with none.
California SDI and complex rules: state-specific requirements are handled too.
Pre-tax deductions: 401(k) contributions and health premiums reduce taxable income first.
Year-to-date totals: an accurate YTD column, the figure lenders and landlords check first.
Every earning type: regular, overtime, bonus, and commission, each itemized on the stub.

No state income tax in nine states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming, all applied correctly and automatically.

What a pay stub is for

One document, many uses

The most common reason people need a pay stub is to prove income. Landlords, lenders, and agencies all ask for it. Our complete guide on how to show proof of income covers exactly what they look for, with a dedicated guide for each situation below. When you need an accurate record of real earnings, you can create a pay stub online and then use the supporting guides below to understand what landlords, lenders, and agencies may request.

Renting and borrowing

Applying for a place to live or for financing usually means showing a clean pay stub, often paired with a bank statement.

Self-employed, freelance & gig

Working for yourself takes a little more organization. These guides cover contractors, freelancers, and rideshare or delivery income.

Keeping it legitimate

Creating a pay stub is legal when the numbers are accurate. Using false figures to deceive a lender or landlord is fraud.

Pay stub laws

Pay stub requirements by state

There is no federal law that forces employers to hand out pay stubs. The Fair Labor Standards Act only requires employers to keep accurate wage records for at least three years. Beyond that, the rules are set state by state and fall into five categories.

CategoryWhat it meansWhich states
No requirement8 statesNo statewide pay stub rule. Employers need not provide one, though most do.Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, South Dakota, Tennessee
Accesslargest groupEmployers must give employees a way to view pay information, electronic or paper.Most remaining states, including New York, Pennsylvania, Illinois, Michigan, and Arizona
Written / printed11 statesA written or printable stub is required. Electronic is fine only if employees can easily print it.California, Colorado, Connecticut, Iowa, Maine, Massachusetts, New Mexico, North Carolina, Texas, Vermont, Washington
Opt-out3 statesElectronic stubs are the default, but employees can request paper instead.Delaware, Minnesota, Oregon
Opt-in1 statePaper is the default. Electronic delivery is allowed only if the employee agrees in writing first.Hawaii

Create an accurate pay stub for any state, with the right taxes and required fields applied automatically.

Create Your State Pay Stub

Built around how you earn

Who uses the pay stub generator

Employees

Need a stub for proof of income for a rental or loan? Build one from your real pay.

How to show proof of income

Self-employed & freelancers

Turn your invoiced income into a clean, lender-ready pay stub you can document.

Proof of income when self-employed

Gig workers

Rideshare, delivery, and platform income, consolidated into one professional stub.

Proof of income for gig workers

1099 contractors

Document contract income with stubs that show gross pay, project by project.

1099 proof of income

Small businesses

Run a small team? Use the pay stub maker to generate accurate, itemized payroll check stubs for each employee in minutes.

Create Employee Pay Stubs

Paid in cash?

Put real cash earnings on record with a stub backed by your deposits.

Proof of income paid in cash

State-accurate stubs

Choose your state on the map

Choose your state to open the matching state pay stub generator and payroll guide. Each page covers the tax and wage-statement rules that apply in that state.

Interactive USA mapClick any state
AL AK AZ AR CA CO FL GA HI ID IL IN IA KS KY LA ME MI MN MS MO MT NE NV NM NY NC ND OH OK OR PA SC SD TN TX UT VA WA WV WI WY

Reviews

What people say

Customer feedback from freelancers, contractors and small businesses. Some earlier reviews describe a previous paid-download model; pay stub PDFs are currently free. View customer reviews.

“
★★★★★5.0
I needed a pay stub to apply for an apartment and had nothing from an employer. I entered my freelance income, previewed it for free, and downloaded a clean PDF in a couple of minutes. The landlord accepted it with no problem.
MTMarcus T.Customer reviewFreelancer
“
★★★★★5.0
As a contractor my income moves around a lot, so putting together proof for my auto loan was stressful. This laid out my earnings clearly and the tax math matched what my accountant had. Really easy to use.
PRPriya R.Customer review1099 contractor
“
★★★★★4.0
Driving for two apps means my pay is spread across different statements. I used this to pull my earnings into one clean stub for a rental application. It was fast and it looked professional.
DWDevon W.Customer reviewGig / rideshare driver
“
★★★★★5.0
I run a small shop and needed stubs for my two part-time employees. The state tax numbers were right for us and I could switch between hourly and salary. It saved me from paying for full payroll software.
SLSandra L.Customer reviewSmall business owner
“
★★★★★5.0
I keep my own records for tax time and wanted proper documentation of what I pay myself. The year-to-date totals were accurate and it was easy to redo each month. Exactly what I was looking for.
JKJames K.Customer reviewSelf-employed
“
★★★★★4.0
My leasing office asked for proof of income while I was on a short-term contract. I made a stub with my current pay, checked the preview before paying, and had the PDF ready the same day.
AMAisha M.Customer reviewRental applicant
“
★★★★★5.0
The lender wanted recent pay stubs and mine had gone missing. This let me recreate accurate ones with the right federal and state withholding. No sign-up and no surprises on the price.
RCRobert C.Customer reviewLoan applicant
“
★★★★★5.0
We hire seasonal staff and needed to hand out stubs quickly. The templates are clean and the deductions calculate on their own, so I did not have to check every figure by hand. Simple and quick.
NPNina P.Customer reviewHR / employer
“
★★★★★4.0
I verify income for tenants often, and it helps when a stub is itemized and easy to read. The ones made here show gross, deductions, and net clearly, which makes my review a lot faster.
CDCarlos D.Customer reviewProperty manager
“
★★★★★5.0
I prepare pay records for a few small clients and this is a handy way to produce accurate stubs fast. The 2026 tax figures were correct and the YTD column added up. It has become part of my workflow.
ESEmily S.Customer reviewAccountant / bookkeeper
“
★★★★★5.0
I needed a pay stub to apply for an apartment and had nothing from an employer. I entered my freelance income, previewed it for free, and downloaded a clean PDF in a couple of minutes. The landlord accepted it with no problem.
MTMarcus T.Customer reviewFreelancer
“
★★★★★5.0
As a contractor my income moves around a lot, so putting together proof for my auto loan was stressful. This laid out my earnings clearly and the tax math matched what my accountant had. Really easy to use.
PRPriya R.Customer review1099 contractor
“
★★★★★4.0
Driving for two apps means my pay is spread across different statements. I used this to pull my earnings into one clean stub for a rental application. It was fast and it looked professional.
DWDevon W.Customer reviewGig / rideshare driver
“
★★★★★5.0
I run a small shop and needed stubs for my two part-time employees. The state tax numbers were right for us and I could switch between hourly and salary. It saved me from paying for full payroll software.
SLSandra L.Customer reviewSmall business owner
“
★★★★★5.0
I keep my own records for tax time and wanted proper documentation of what I pay myself. The year-to-date totals were accurate and it was easy to redo each month. Exactly what I was looking for.
JKJames K.Customer reviewSelf-employed
“
★★★★★4.0
My leasing office asked for proof of income while I was on a short-term contract. I made a stub with my current pay, checked the preview before paying, and had the PDF ready the same day.
AMAisha M.Customer reviewRental applicant
“
★★★★★5.0
The lender wanted recent pay stubs and mine had gone missing. This let me recreate accurate ones with the right federal and state withholding. No sign-up and no surprises on the price.
RCRobert C.Customer reviewLoan applicant
“
★★★★★5.0
We hire seasonal staff and needed to hand out stubs quickly. The templates are clean and the deductions calculate on their own, so I did not have to check every figure by hand. Simple and quick.
NPNina P.Customer reviewHR / employer
“
★★★★★4.0
I verify income for tenants often, and it helps when a stub is itemized and easy to read. The ones made here show gross, deductions, and net clearly, which makes my review a lot faster.
CDCarlos D.Customer reviewProperty manager
“
★★★★★5.0
I prepare pay records for a few small clients and this is a handy way to produce accurate stubs fast. The 2026 tax figures were correct and the YTD column added up. It has become part of my workflow.
ESEmily S.Customer reviewAccountant / bookkeeper

Straight with you

Accurate, transparent, and honest about the rules

Tax estimates are based on the pay details you enter and applicable withholding rules. For federal guidance, consult IRS Publication 15-T and IRS Publication 15. State and local rules vary. Compare results against official payroll records; this tool does not independently verify employment or income.

Customer reviews

Feedback is reviewed before publication; historical comments may reflect previous pricing. Read reviews and review details.

Free PDF downloads

Create, preview, and download your completed pay stub PDF for free during the current free-download campaign. No coupon or payment is required.

Legal when it is accurate

Making a pay stub is legal when the numbers are true. Using false numbers to deceive is fraud. Read is it legal to make your own pay stub.

Review before downloading

Check each pay stub field against your real records before downloading. The generated PDF does not independently verify employment or income.

Your data stays private

Your information is protected with SSL encryption. We do not sell, share, or disclose your personal or business details.

Support when you need it

We're here 24/7. Reach a real person by chat or email if you get stuck or spot a typo.

Need more than a pay stub?

Beyond pay stubs, ePaystubs creates W-2, W-4, 941, 1099, and more. Find every tax form you need in one place.

Explore all tax forms →

Resources

Learn everything about pay stubs and proof of income

Guides across every stage, from understanding your stub to using it as proof of income.

Pay stub basics

Understand the document

All pay stub basics →
Understanding your pay stub

Read every line

All pay stub guides →
Proof of income

Use your stub

All proof of income guides →

Answers

Pay stub generator FAQ

Yes. During the current free-download campaign, you can create, preview, and download a pay stub PDF for $0.00. No coupon code or checkout payment is needed.

Enter your company and worker information, earnings, pay period, and state. The online pay stub generator calculates the applicable taxes and deductions, creates the completed stub, and lets you review it before downloading. Start on the create a pay stub page.

Yes. You can create pay stubs online for all 50 states. ePaystubs applies the relevant federal, FICA, and state calculations based on the information you enter.

Yes. Creating a pay stub is legal when the information on it is accurate. Self-employed people, freelancers, and small businesses do it routinely to document real income. Putting false numbers on a stub to deceive a lender or landlord is fraud. For the full picture, see is it legal to make your own pay stub.

The check stub maker calculates federal income tax, Social Security (6.2% up to the 2026 wage base of $184,500), Medicare (1.45%, plus an extra 0.9% over $200,000), and state income tax automatically. Every line is itemized so you can check gross pay, each deduction, and net pay. See how to read a pay stub to check the figures.

You need the company name and address, the worker's name, the pay rate or salary, the pay period and pay date, and the state. That is enough for the generator to calculate taxes and produce the stub.

A paycheck is the payment itself, a physical check or a direct deposit. A pay stub is the document that breaks down how that pay was calculated, showing gross pay, taxes, deductions, and net pay. See what a pay stub is for more.

Yes. Upload an authorized company logo in the builder, then confirm its placement in the pay stub preview before downloading.

Compare the pay period, gross earnings, tax withholding and deductions with your actual records. Check that gross earnings minus deductions equals net pay, and verify current and year-to-date figures separately. You can review the full document using the free pay stub generator before downloading. The tool does not independently verify employment or income.

No. A paycheck stub generator prepares a pay record from the information entered. It does not print negotiable checks, send direct deposits, move money, or independently verify employment or income.

Yes. You can set any pay date and pay period, and the year-to-date totals adjust accordingly, which is useful for back pay or catching up on records.

Acceptance depends on the landlord, lender, or other recipient. A PDF generated from user-entered details is not independently verified proof of employment or income. They may require employer-issued pay records, bank statements, or tax returns. See how to show proof of income.

Yes. Switch to contractor mode to show gross pay without employer tax withholding, which is how 1099 pay stubs work. See 1099 proof of income for more.

Yes. Along with pay stubs, you can create W-2, W-4, 941, and 1099 forms. See the full list on the all tax forms page.

All 50 states plus Washington DC, including the nine with no income tax and complex rules like California SDI. Pick your state from the state list.

Your information is protected with SSL encryption. We do not sell, share, or disclose your personal or business details.

Under a minute. Enter your details, preview the stub, pick a template, and download the PDF instantly on the create a pay stub page.

Employees who need proof of income, self-employed people and freelancers, gig workers, 1099 contractors, and small business owners running payroll for a small team.

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