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Pay Stub Generator: Create Pay Stubs Online

Create an itemized pay record from the company, worker, earnings, and deduction details you enter.

The ePaystubs online paystub generator is a professional pay stub generator and check stub maker for producing electronic pay stubs and online paycheck stubs. Review the completed preview against your records before purchasing and downloading the PDF.

Create Your Pay Stub Preview Before Payment · No sign-up · Instant PDF
Money-back guarantee 256-bit SSL secure All 50 states
Calculations from the official 2026 IRS withholding tables
Secure checkout, data never sold
VISA AMEX DISCVER

How it works

Create Pay Stubs Online in Three Steps

Enter your company and worker details to make pay stubs online, review the completed preview, and finish your order when the information matches your records.

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

Pick your preferred template and preview the full pay stub with every tax and deduction calculated, before you pay.

PDFOne PDF file
ZIPMultiple files
JPGImage file
Download Your Paystub
3

Download Your Pay Stub

Download instantly as a PDF, ZIP, or JPG. Print it, email it, or save 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.

  • 6+ready-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
6+ 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 maker, creator, and generator terminology

A pay stub, paystub, check stub, and checkstub describe the same kind of itemized pay record. A tool used to prepare that record may be called a pay stub generator, paystub generator, online pay stub generator, pay stub maker, paystub maker, paycheck stub maker, pay stub creator, paystub creator, check stub maker, checkstub maker, check stub generator, check stub creator, or paycheck stub generator. On ePaystubs, these names refer to the same document-creation workflow.

“Create paystubs” is a closed-up spelling of “create pay stubs.” Both describe preparing the same itemized pay record.

To make a paystub or generate check stubs, enter the underlying pay information, review the resulting figures, and complete the order only after the preview matches your records.

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

Pay stubs are useful in a lot of everyday situations, especially at tax time. Employees and employers both keep them for proof of income, income verification, and tax filing. If a W-2 is late or misplaced, a pay stub can stand in to calculate the numbers you need. Freelancers and small business owners who do not receive stubs from an employer often create their own to document real earnings.

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

Genuine reviews from the people who use ePaystubs, from freelancers and contractors to small business owners and property managers.

“
★★★★★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

Reviews checked before publishing

New reviews are published only after staff approval and customer consent. Review text is shown as submitted.

Transparent pricing

Build and review your pay stub before checkout. You only pay when you download the final PDF, and the price is shown before payment. No surprise charges.

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.

Money-back guarantee

30-day money-back guarantee. If something is wrong with your stub, our support team will make it right.

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

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 purchasing.

Enter the company, worker, pay-period, earnings, and deduction details, then review the preview before completing the order. The same workflow may be described as creating a pay stub, making pay stubs, or generating check stubs. Start with the pay stub generator online.

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.

A pay stub that reflects your real earnings is widely accepted as proof of income for rentals, loans, and mortgages, often alongside a second document like a bank statement or tax return. 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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Ready to create your pay stub?

Enter your details, review the preview, and download in under a minute. All 50 states, real calculations, no sign-up to start.

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