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Pay Stub Abbreviations: Complete A-Z List of Paycheck Codes and Meanings

Pay Stub Abbreviations: Complete A-Z List of Paycheck Codes and Meanings

Finance Admin

By ePaystubs Editorial Team  |  Updated June 22, 2026  |  Verified against IRS Topic 751

Quick Answer

Pay stub abbreviations are short codes that label every line on your paycheck, grouped into five sections: header and identifier codes, earnings codes, tax codes, deduction codes, and summary totals. REG is regular pay, OT is overtime, FIT is federal income tax, OASDI is Social Security, and YTD is your year-to-date total. Knowing which section a code belongs to tells you instantly whether it adds to your pay, gets withheld, or just identifies you.

A pay stub can hold dozens of cryptic codes crammed into a single page. The good news is that they follow a predictable structure. Once you know the five sections a stub is built from, every abbreviation falls into place. This guide decodes them section by section, in the same order they appear on your stub, and flags the handful of codes that confusingly mean two different things.

Jump to a code group

Why Your Paycheck Is Smaller Than Your Salary (and Full of Codes)

Almost everyone remembers the surprise of their first paycheck: the take-home amount was far smaller than the salary they were promised. The gap is the stack of taxes and deductions sitting between your gross pay and your net pay, each one labeled with a short code.

For a typical worker, roughly 7.65% of gross goes to FICA (Social Security and Medicare), another 10% to 22% goes to federal income tax depending on income and filing status, 0% to 13% goes to state income tax, and another 5% to 15% goes to pre-tax benefits like health insurance and retirement. Added together, deductions commonly total 25% to 40% of gross pay before the money ever reaches you. The codes exist to fit all of that detail onto one page, and this guide explains each one.

How a Pay Stub Is Organized (The Five Sections)

Every pay stub, regardless of employer or payroll platform, is built from the same five sections. Learn the buckets and you can place any code instantly.

1. HeaderWho you are, who pays you, and the pay period
2. EarningsWhat you earned, adding up to gross pay
3. TaxesWhat is withheld by law
4. DeductionsBenefits and other withholdings
5. SummaryGross, net, and YTD totals

The stub reads top to bottom: it identifies you, lists what you earned, subtracts taxes, subtracts deductions, and shows what is left. The sections below follow that same order.

The top of your stub identifies the people and the period involved. These codes do not affect your pay math, but they matter for recordkeeping and verifying the stub is yours.

Code Meaning
EIN FEIN Employer Identification Number, the IRS-issued tax ID for your employer
SSN Your Social Security Number, usually masked to the last four digits
Employee ID Emp No. An internal number your employer uses to identify you in payroll
Check No. Check or advice number, used to track each individual payment
Pay Period PP The date range this paycheck covers
Pay Date The date the paycheck is issued or deposited
LOC DEPT JOB Location, department, or job title, used for internal cost tracking
Watch the EIN label: EIN stands for Employer Identification Number, but some stubs loosely use it to label your personal Employee ID. If the number has nine digits in a format like 12-3456789, it is the employer's tax ID. If it is a shorter internal number, it is your employee ID. You may also see FEIN or FTIN as variants of the employer tax ID.

Earnings Codes (What You Earned)

The earnings section lists every form of pay you received this period. Together these lines add up to your gross pay, the figure at the top of the deduction math. This is the section with the widest range of codes, because pay comes in many forms.

Code Meaning
REG Regular pay: hourly rate times hours, or salary divided by pay periods
OT Overtime, paid at 1.5 times your hourly rate for hours over 40 in a week
OT2 DT Double-time, paid at 2 times your hourly rate
HOL Holiday pay, either paid time off or premium pay for working a holiday
VAC Vacation pay
PTO Paid time off, often combining vacation, sick, and personal leave
SICK Sick pay
BONUS SignOn Bonus pay, including a one-time sign-on bonus
COMM Commission, common in sales roles
RETRO Retroactive pay, correcting an underpayment from a previous period
SHIFT SHFT Shift differential, premium pay for nights or weekends
TIPS Reported tip income, subject to tax withholding
ONCALL On-call pay for being available outside regular hours
SEV Severance pay, given when employment ends
MIL Military leave pay for active-duty service
REIMB EXP Expense reimbursement for business costs, typically not taxable
TuiReimb Tuition reimbursement, an education benefit
Move Rem Moving expense reimbursement
MISC Miscellaneous pay outside regular wages
RT HRS Pay rate and hours worked for the period
RETRO explained: Retroactive pay is money added to make up for an underpayment in an earlier period, most often a raise that was approved but processed late, or a correction to a payroll error. It is not a bonus or extra money. It is wages you already earned, and unlike some supplemental pay it is subject to standard payroll taxes and deductions.
Why REIMB sits apart: Expense reimbursements for legitimate business costs are not taxable income when they are documented under an accountable plan, so they appear as a separate line from your taxable earnings. One exception to know: moving expense reimbursements are now subject to FICA tax. For how reimbursements and fringe benefits affect your taxable wages, see pay stub deduction codes.

Tax Codes (What Is Withheld by Law)

The tax section shows the mandatory withholdings every employee is subject to. The amounts vary by income, filing status, and location, but the codes are consistent.

Code Meaning
FIT FED FWT FITW Federal income tax withholding, based on your W-4
OASDI SS SOCSEC Social Security tax, 6.2% up to the wage base
MED HI Medicare tax, 1.45% of all wages with no cap
SIT ST SWT SITW State income tax withholding, where applicable
SDI CASDI State Disability Insurance, in select states
SUI SUTA State Unemployment Insurance, employee-paid in only a few states
PFL FAMLI FLI Paid Family Leave premium, in select states
LOCAL CITY MUNC Local or city income tax, in certain jurisdictions

Nine states have no state income tax, so you will not see a SIT line if you work in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, or Wyoming.

Why OASDI can disappear mid-year: Social Security tax only applies to the first $184,500 of wages in 2026. Once your year-to-date earnings cross that wage base, the OASDI line stops appearing and your take-home pay rises for the rest of the year. This is normal, not an error. For the full mechanics of Social Security and Medicare withholding, see what FICA means on a pay stub. For the state disability line specifically, see what SDI means on a pay stub.

 

The MED Collision and Other Codes That Mean Two Things

A few abbreviations are ambiguous, and they cause more confusion than any others. The single most important one to get right is MED.

MED means two completely different things: In the tax section, MED is Medicare tax, roughly 1.45% of your gross pay. In the deductions section, MED can mean your medical insurance premium. The quickest way to tell them apart: if the amount is about 1.45% of your gross, it is the Medicare tax; if it is a fixed dollar amount tied to your benefits, it is your medical insurance.

Several other codes carry more than one possible meaning depending on the employer and payroll system:

Code Most Common Meaning Could Also Mean
UD Union Dues Uniform deduction or Unpaid Deduction
INS Insurance premium May show $0 if you opted out of coverage
STD Short-Term Disability "Standard" rate in some systems
HCR Healthcare reimbursement Varies by employer plan
NC Non-cash benefit (stock, car allowance) Varies by employer
CLM Claim or reimbursement from a benefit plan Varies by employer
The universal rule for ambiguous codes: When a code could mean more than one thing, do not guess. Check the legend printed on your pay stub, look at your benefits enrollment documents, or ask HR or payroll to confirm. A wrong assumption about an ambiguous code is one of the easiest ways to miss a real payroll error.

Deduction Codes (Benefits and Withholdings)

The deduction section covers benefit contributions and other amounts withheld from your pay. This is the most nuanced group of codes, because each one is treated differently for tax purposes. Here is a quick reference to what the common ones stand for.

Code Meaning
401K 403B 457 Traditional retirement plan contributions
ROTH Roth retirement contribution, made after tax
HSA Health Savings Account contribution
FSA DEP CARE Flexible Spending Account, medical or dependent care
INS MED INS DENTAL VISION Insurance premiums for health, dental, or vision
LIFE LTD STD Life and disability insurance premiums
GTL Group-Term Life, imputed income on coverage over $50,000
UNION Union dues
GARN CHLD SUP TAX LEVY STDNLOAN Court-ordered garnishments and levies
The one distinction that matters most: Section 125 benefits (health, dental, vision, HSA, FSA) reduce both your income tax and your FICA. A traditional 401(k) reduces your income tax only. And GTL is not money taken from you at all, it is the taxable value of employer life insurance coverage above $50,000 added to your wages. Deduction codes carry far more nuance than any other group on your stub. For the full four-category framework, what each deduction actually reduces, and how each one flows onto your W-2, see pay stub deduction codes.

If your employer uses ADP, many of these labels look different and more cryptic than the standard set. For the ADP-specific versions, see ADP pay stub abbreviations.

Summary and Total Codes

The bottom of your stub summarizes the math into a few key totals.

Code Meaning
GP GRS Gross Gross pay, total earnings before anything is taken out
NP Net Net pay, your take-home amount after all taxes and deductions
YTD Year-to-date, the running total of a line since January 1
CUR Current The amount for this pay period only

Every YTD column resets to zero on January 1 and tracks the cumulative total for the year. For how to read and verify your year-to-date figures, see what YTD means on a pay stub.

What to Do When You See a Code You Don't Recognize

No glossary covers every code, because employers can create custom ones. When you hit an abbreviation you cannot place, work through these steps:

First, check the legend or key printed on the stub itself, which many payroll systems include. Next, look at your onboarding paperwork and benefits enrollment confirmations, where custom deduction codes are usually defined. If it is still unclear, ask HR or payroll directly, and do it in writing so you have a record.

If the codes changed at a new job: Different payroll platforms label the same items differently. ADP, Workday, Paychex, and Gusto each use their own conventions, so an unfamiliar code after switching employers almost always means the same underlying earning or deduction with a new label, not an error. One more thing to check on a first paycheck: off-cycle pay periods are common for new hires and after holidays, so if the pay period dates look wrong, confirm with payroll before assuming a mistake.

If you need a clean record with standard, recognizable codes, you can generate a pay stub that lays out earnings, taxes, and deductions clearly.

Pay Stub Abbreviations: Full A-Z Index

Looking for one specific code? This alphabetical index lists every abbreviation covered above, with its meaning and the section of your stub where it appears. Jump to a letter or scan the full list.

C D E F G H I J L M N O P R S T U V Y

Code Meaning Section
C
Check No. Check or advice number for tracking each payment Header
CHLD SUP Child support garnishment Deduction
CITY Local or city income tax Tax
CLM Claim or reimbursement from a benefit plan (varies) Ambiguous
COMM Commission earnings Earnings
CUR Current period amount Summary
D
DENTAL Dental insurance premium Deduction
DEP CARE Dependent Care FSA contribution Deduction
DEPT Department, for internal cost tracking Header
DT Double-time pay (2x hourly rate) Earnings
E
EIN Employer Identification Number (employer tax ID) Header
Employee ID Internal employee identifier Header
EXP Expense reimbursement (typically not taxable) Earnings
F
FAMLI Paid Family and Medical Leave premium (select states) Tax
FED Federal income tax withholding Tax
FEIN Federal Employer Identification Number Header
FICA Umbrella term for Social Security and Medicare taxes Tax
FIT FITW FWT Federal income tax withholding Tax
FLI Family Leave Insurance (select states) Tax
FSA Flexible Spending Account contribution Deduction
G
GARN Wage garnishment Deduction
GP GRS Gross Gross pay, total earnings before deductions Summary
GTL Group-Term Life, imputed income on coverage over $50,000 Deduction
H
HCR Healthcare reimbursement (varies by plan) Ambiguous
HI Hospital Insurance, the Medicare tax Tax
HOL Holiday pay Earnings
HRS Hours worked for the period Earnings
HSA Health Savings Account contribution Deduction
I
INS Insurance premium (may show $0 if opted out) Ambiguous
J
JOB Job title or position, for internal tracking Header
L
LIFE Life insurance premium Deduction
LOC Location, for internal cost tracking Header
LOCAL Local income tax Tax
LTD Long-Term Disability insurance premium Deduction
M
MED Medicare tax (~1.45%) OR medical insurance premium Tax / Ambiguous
MED INS Medical insurance premium Deduction
MIL Military leave pay Earnings
MISC Miscellaneous pay outside regular wages Earnings
Move Rem Moving expense reimbursement (now FICA-taxable) Earnings
MUNC Municipal or city tax Tax
N
NC Non-cash benefit (stock, car allowance) Ambiguous
NP Net Net pay, take-home after all withholdings Summary
O
OASDI Old Age, Survivors, and Disability Insurance (Social Security tax) Tax
ONCALL On-call pay for availability outside hours Earnings
OT Overtime (1.5x hourly rate over 40 hrs/week) Earnings
OT2 Double-time (2x hourly rate) Earnings
P
Pay Date Date the paycheck is issued or deposited Header
Pay Period PP Date range the paycheck covers Header
PFL Paid Family Leave premium (select states) Tax
PTO Paid time off (vacation, sick, personal combined) Earnings
R
REG Regular pay Earnings
REIMB Expense reimbursement (typically not taxable) Earnings
RETRO Retroactive pay correcting a prior underpayment Earnings
ROTH Roth retirement contribution (after-tax) Deduction
RT Pay rate for the period Earnings
S
SDI CASDI State Disability Insurance (select states) Tax
SEV Severance pay Earnings
SHIFT SHFT Shift differential, premium for nights or weekends Earnings
SICK Sick pay Earnings
SignOn Sign-on bonus Earnings
SIT SITW ST SWT State income tax withholding Tax
SOCSEC Social Security tax Tax
SS Social Security tax Tax
SSN Social Security Number (usually masked) Header
STD Short-Term Disability OR "standard" in some systems Ambiguous
STDNLOAN Student loan garnishment Deduction
SUI SUTA State Unemployment Insurance (employee-paid in few states) Tax
T
TAX LEVY IRS or state tax levy Deduction
TIPS Reported tip income, subject to withholding Earnings
TuiReimb Tuition reimbursement Earnings
U
UD Union Dues OR uniform/unpaid deduction Ambiguous
UNION Union dues Deduction
V
VAC Vacation pay Earnings
VISION Vision insurance premium Deduction
Y
YTD Year-to-date running total since January 1 Summary
401K 403B 457 Traditional retirement plan contributions Deduction

Frequently Asked Questions

What are the most common pay stub abbreviations?

The ones nearly everyone sees are REG (regular pay), OT (overtime), FIT or FED (federal income tax), OASDI or SS (Social Security), MED (Medicare), SIT (state income tax), and YTD (year-to-date). These cover earnings, the main taxes, and your running totals.

What does MED mean on my pay stub?

It depends on context. In the tax section, MED is Medicare tax, about 1.45% of your gross pay. In the deductions section, MED can mean your medical insurance premium. If it is a percentage of your gross, it is the tax; if it is a fixed benefit amount, it is insurance.

What does RETRO mean on my paycheck?

RETRO is retroactive pay, money added to correct an underpayment from a previous period, such as a raise that was approved late or a payroll error. It is real wages you already earned, and it is taxed like regular pay.

Why do the codes on my new job's pay stub look different?

Different payroll platforms label the same items differently. ADP, Workday, Paychex, and Gusto each use their own conventions. If you switched jobs and the codes changed, the underlying earnings and deductions are almost always the same, just labeled differently.

What does UD mean on a pay stub?

Most often Union Dues. Some employers use UD for a uniform deduction or an unpaid deduction instead. Because it is ambiguous, check your pay stub legend or ask HR to confirm which one applies to you.

What is the difference between gross pay and net pay codes?

Gross pay (GP, GRS, or Gross) is your total earnings before anything is taken out. Net pay (NP or Net) is your take-home amount after all taxes and deductions. Every code between the two either is withheld or reduces what you take home.

Are reimbursement codes like REIMB taxed?

Usually not. Expense reimbursements (REIMB or EXP) for legitimate business costs are not taxable income when documented under an accountable plan, which is why they appear as a separate line from your regular earnings.

Disclaimer: This article is for general informational purposes only and does not constitute tax, legal, or payroll advice. Pay stub codes vary by employer and payroll provider, and tax figures are subject to change. All 2026 figures are based on IRS guidance current as of June 2026. Consult your payroll department or a qualified professional for guidance specific to your situation.
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