Arkansas Paystub Generator

Arkansas Paystub Generator 2026

Create Your Free Arkansas Pay Stub Preview Now

• Free preview see the full stub before paying anything
• No signup required — no account, no email, no forms
• 2026 AR tax rates included — the January 2026 rate cut is already applied
• Employees & contractors — both W-2 and 1099 setups supported
• Instant PDF — download immediately or receive by email
• YTD calculations — year-to-date totals auto-calculated on every stub
• 100% satisfaction guarantee — corrections always free

Table of Contents

1. Arkansas Income Tax Rates 2026 — What Changed
2. What Gets Deducted From an Arkansas Paycheck
3. Arkansas Payroll Requirements — Employer Compliance Guide
4. How to Create an Arkansas Pay Stub — 3 Steps
5. Who Uses This Tool in Arkansas
6. Using a Pay Stub as Proof of Income in Arkansas
7. Arkansas vs. Neighboring States — 2026 Payroll Comparison
8. Frequently Asked Questions
9. Browse All State Paystub Generators

Arkansas Income Tax Rates 2026 — What Changed in January

If your Arkansas paycheck felt slightly bigger starting January 2026, there's a real reason. The state cut its top income tax rate from 3.9% to 3.7% for all income above $26,400. The Arkansas Department of Finance and Administration confirmed the rate applies retroactively to January 1, 2026 — approximately 1.1 million Arkansas taxpayers benefit from the reduction.

This is the latest in a series of cuts Arkansas has made since 2015, bringing the top rate down from 7% to 3.7% over that period. Here's the complete 2026 bracket structure:

Additional 2026 Arkansas income tax details:

• Standard deduction: $2,470 per year (subtracted before brackets apply)
• No local income tax anywhere in Arkansas — Little Rock, Fayetteville, Fort Smith, Bentonville, Jonesboro, Springdale, Conway — none of them charge city-level income tax
• Supplemental wage rate: 3.7% flat (applied to bonuses, commissions, overtime lump sums)
• AR Form AR4EC: Employees must complete this state withholding exemption certificate — it is Arkansas's equivalent of the federal W-4
• Married filers and those claiming exemptions have adjusted withholding thresholds — the ePaystubs generator accounts for all filing statuses automatically

What Gets Deducted From an Arkansas Paycheck in 2026

Every Arkansas paycheck has mandatory deductions set by federal and state law, plus optional voluntary deductions you choose. Here's the full breakdown.

Mandatory Federal & State Deductions

Real Example: $15/Hour Worker in Arkansas — Biweekly Stub (2026)

Here's exactly what a pay stub looks like for a warehouse worker in Searcy, AR earning $15/hour on a biweekly schedule, filing Single with standard withholding and no voluntary deductions:

Common Voluntary Deductions

• Health, dental & vision insurance — employer-sponsored plans; pre-tax under Section 125 cafeteria plans reduce taxable income
• 401(k) or 403(b) retirement contributions — pre-tax contributions lower federal and state taxable wages
• Health Savings Account (HSA) — pre-tax; 2026 contribution limit is $4,300 for self-only coverage
• Flexible Spending Account (FSA) — pre-tax medical or dependent care contributions
• Child support or wage garnishments — court-ordered; deducted before you receive your net pay
• Union dues — common in Arkansas manufacturing, healthcare, and transportation sectors
• Life and disability insurance — employer-sponsored supplemental coverage

Arkansas Payroll Requirements 2026 — Complete Employer Compliance Guide

Running payroll in Arkansas is more straightforward than many states — no local income tax, a clean two-bracket state system, and well-defined rules. Here's everything an Arkansas employer needs to know, organized the way payroll professionals actually use it.

Arkansas Minimum Wage and Overtime Rules

Arkansas voters passed the last minimum wage increase via ballot initiative in November 2018, raising the rate in steps to $11.00 effective January 1, 2021. No further scheduled increases are on the books for 2026.

Overtime note: Hours worked beyond 40 in a workweek must be paid at 1.5× the regular rate. This applies to non-exempt employees regardless of whether pay is hourly or salary. Arkansas does not have a daily overtime threshold — only the 40-hour weekly rule applies.

Termination pay: If an employer terminates an employee, their final wages are due by the next regular payday. If payment is not made within 7 days of that date, the employer owes the employee double the wages due under Arkansas law.

New Hire Reporting Requirements

Federal and Arkansas state law requires employers to report every newly hired or re-hired employee within 20 days of their start date. Arkansas does not require new hire reporting for independent contractors.

What to report: Employee name, address, Social Security number, date of birth, and work start date. Employer name, FEIN, and address must appear on all submissions.

How to file:

• Online: Arkansas.gov new hire reporting portal (recommended fastest method, available 24/7)
• Mail: Arkansas New Hire Reporting Center, P.O. Box 2540, Little Rock, AR 72203
• Fax: (501) 376-2682 | Toll-free fax: (800) 259-3562
• Electronic transfer: Data files accepted via the Arkansas New Hire portal or EFT modem — confirmation receipt provided

Form W-4 can be submitted as the new hire report if the employer's FEIN and address are clearly written at the top of each form.

Arkansas State Withholding Taxes

Arkansas State Unemployment Insurance Tax (SUI / SUTA)

Arkansas State Tax Deposit Requirements

New withholding accounts are automatically classified as monthly filers until the AR DFA Commissioner reclassifies them. Monthly payments are made using Form AR941M, due on or before the 15th of the following month.

Employers with consistent low withholding (less than $1,000 per period) will be reclassified by the state to annual filing status. Annual deposits are made using Form AR941A, due January 31.

Child support wage garnishments are remitted to: Arkansas Child Support Clearinghouse, P.O. Box 8125, Little Rock, AR 72203

Quarterly and Annual Payroll Tax Filings

Arkansas Termination Pay Rules

When an employee is terminated, Arkansas law requires final wages to be paid by the employee's next regular payday. If the employer fails to make payment within 7 days after that date, the employee is legally entitled to receive double the amount of wages owed — a significant penalty designed to protect workers from delayed final paychecks.

Employees who resign voluntarily are also owed their final wages by the next regular scheduled payday. This applies to all non-exempt employees covered under the Arkansas Minimum Wage Act.

How to Create an Arkansas Pay Stub — 3 Steps, Under 2 Minutes

No accounting knowledge needed. No software to download. If you can fill out a form online, you can do this.

1. Step 1 — Enter Employer and Employee Details. Add your company name and address, employee name and address, pay period start and end dates, and pay date. Works for businesses of any size, sole proprietors, and independent contractors.
2. Step 2 — Enter Earnings and All Deductions. Enter your hourly rate or salary, hours worked that period, and any overtime, bonuses, or commissions. Then add voluntary deductions — health insurance, 401(k), HSA, garnishments. The tool automatically calculates your federal income tax (IRS tables), Social Security (6.2%), Medicare (1.45%), and 2026 Arkansas state income tax. YTD totals calculated instantly.
3. Step 3 — Preview Free, Then Download Your PDF. Review the complete stub — every line item, gross-to-net breakdown, and YTD total — before paying anything. Adjust any field and re-preview as many times as needed. When the stub looks right, download your professional PDF immediately or have it sent to your email.

Start Your Free Arkansas Pay Stub Preview

Who Uses the Arkansas Paystub Generator

Hourly Employees — Direct Deposit Only

Many Arkansas employers in retail, logistics, and food service have gone fully digital — direct deposit only, no physical stub. If you work at a Walmart distribution center in Bentonville, a Tyson Foods plant in Springdale, a Baptist Health facility in Little Rock, or any of hundreds of similar workplaces across the state, your payroll may be 100% electronic with no paper trail. When a landlord or bank asks for a pay stub, this tool fills that gap in minutes.

Independent Contractors and Freelancers

Self-employed workers — designers, consultants, delivery drivers, tradespeople, landscapers, real estate agents — use ePaystubs to document their income. As a 1099 contractor you're responsible for the full 15.3% self-employment tax covering both sides of FICA. Our generator lets you include that as a line item so your stub accurately reflects your real net earnings.

Small Business Owners

Small businesses in Jonesboro, Conway, Pine Bluff, and across rural Arkansas often don't have the volume to justify a dedicated payroll platform. ePaystubs lets you generate accurate, professional stubs for one employee or twenty, per stub, without a monthly subscription. Under the Arkansas Minimum Wage Act (Ark. Code § 11-4-210), the $11.00 rate applies to any business with four or more employees — our tool makes sure your stubs reflect compliant wage figures.

University and Healthcare Employees

Employees at the University of Arkansas (Fayetteville), Arkansas State University (Jonesboro), UAMS (Little Rock), Arkansas Children's Hospital, and dozens of regional medical centers frequently need recent pay stubs for financial applications. Institutional payroll departments don't always reissue quickly. This tool generates an identical-format stub using your actual figures on demand.

Gig Workers

Platform workers — rideshare drivers, food delivery couriers, TaskRabbit contractors in Little Rock and Fayetteville — receive no traditional pay stubs. Combining multiple income streams makes documentation even harder. Our generator lets you create a consolidated income record anytime, for any purpose.

Using an Arkansas Pay Stub as Proof of Income

Pay stubs are the most widely accepted proof-of-income document in Arkansas. Here are the situations where you'll most often need one:

Apartment Rental Applications

Most Arkansas property managers require 2–3 recent pay stubs verifying that your gross monthly income is 2.5–3× the monthly rent. A $1,100/month apartment typically requires documented income of $2,750–$3,300/month. A stub showing hourly rate, hours worked, gross pay, deductions, and YTD covers all of it.

Auto Loans and Personal Loans

Arkansas lenders — Arvest Bank, Simmons Bank, Relyance Bank, Centennial Bank, and most credit unions — require recent pay stubs as income verification for car loans and personal lines of credit. Self-employed applicants especially benefit from having clean, itemized stub records.

Mortgage Pre-Approval

Arkansas mortgage lenders require your two most recent pay stubs alongside W-2s and bank statements during pre-approval. Self-employed borrowers typically need both pay stubs and two years of tax returns. Having well-formatted stubs showing consistent income significantly smooths the process.

Arkansas Medicaid, SNAP, and DHS Benefits

The Arkansas Department of Human Services asks for pay stubs to verify household income when applying for or renewing Medicaid, SNAP, AR Kids First, and other state assistance programs. A recent pay stub is one of the most straightforward documents to submit — typically accepted immediately without additional verification.

Child Support and Court Proceedings

Arkansas family courts use gross income from pay stubs to calculate child support obligations, verify reported wages in custody cases, and process wage garnishment reviews. Having accurate, professionally formatted stubs readily available speeds up these proceedings considerably.

Mortgage Refinancing and HELOC Applications

Lenders refinancing Arkansas homes or processing home equity lines of credit require current income documentation. Pay stubs dated within 30–60 days are the standard requirement.

Arkansas vs. Neighboring States — 2026 Payroll Comparison

For employers with operations across state lines, or workers who've moved to Arkansas, here's how the state's payroll burden stacks up against its neighbors:

Texas and Tennessee win on income tax — zero is hard to beat. But Arkansas's $11.00 minimum wage is 52% higher than the $7.25 federal floor that Oklahoma, Mississippi, Tennessee, Texas, and Louisiana are still sitting on. For hourly workers, that translates to an extra $3.75 per hour — roughly $7,800 per year for a full-time worker. The 2026 rate cut also means Arkansas now has a lower top income tax rate than Missouri, Mississippi, Oklahoma, and Louisiana, making it increasingly competitive for both workers and employers in the region.

Frequently Asked Questions — Arkansas Paystub Generator

Does Arkansas require employers to give employees pay stubs?

No. Arkansas has no state law requiring employers to provide pay stubs. Federal FLSA rules do require covered employers to maintain payroll records for at least three years, but those records don't have to be handed to employees in stub format. If your employer doesn't provide one — or you're self-employed — you can generate your own through ePaystubs using your actual earnings data.

What is the Arkansas state income tax rate in 2026?

Two brackets: 2% on income up to $26,400, and 3.7% on income above that. The 3.7% rate took effect January 1, 2026, reduced from 3.9%. No Arkansas city charges a local income tax on top of this. The AR standard deduction is $2,470 per year.

What is minimum wage in Arkansas for 2026?

$11.00 per hour for businesses with four or more employees (Ark. Code § 11-4-210). Tipped workers can be paid $2.63 per hour as long as tips bring total hourly pay to $11.00 — if tips fall short on any pay period, the employer must cover the gap. Youth workers under 18 can be paid $4.25 for the first 90 days.

How much of my paycheck goes to taxes in Arkansas?

At $15/hour biweekly (80 hours, $1,200 gross), you're losing roughly $238 to mandatory taxes — federal income tax (~$108), Social Security ($74.40), Medicare ($17.40), and Arkansas state tax (~$38). That puts your net around $962 before any voluntary deductions like health insurance or 401(k). Higher earners pay proportionally more on the state side once income crosses $26,400 annually.

Can a self-employed person or 1099 contractor in Arkansas use this?

Yes — and many do. The tool works exactly the same way. Keep in mind that as a contractor you pay the full 15.3% self-employment tax (both sides of Social Security and Medicare), versus employees who split FICA 50/50 with their employer. The generator lets you enter SE tax as a deduction so the net pay figure is realistic.

When must Arkansas employers send out W-2 forms?

W-2s must be issued to employees and filed with the Arkansas Department of Finance and Administration by January 31. Employers filing 25 or more W-2 forms must e-file. Annual reconciliation using Form AR3MAR is due by February 28.

What is the Arkansas SUTA rate for new employers?

New Arkansas employers are assigned a SUTA rate of 2.9% on the first $7,000 of each employee's wages. Established employers pay anywhere from 0.1% to 14.0% depending on their unemployment claims history, plus a 0.2% stabilization tax. SUTA is always an employer-only expense — it never touches an employee's paycheck.

Is the preview really free — what does it cost to download?

The preview costs nothing. You see the full, completed stub with every deduction, tax, and net pay figure before paying anything. Download pricing starts at $5.99 per stub. Corrections are always free if something needs to be adjusted after you receive your stub.

What information do I need to create an Arkansas pay stub?

• Employee name and address
• Employer / company name and address
• Pay period start date, end date, and pay date
• Hourly rate or annual salary
• Hours worked (hourly employees) or pay frequency (salaried)
• Filing status — Single, Married, or Head of Household
• Federal and state exemptions/allowances
• Any voluntary deductions (health insurance, 401k, HSA, etc.)
• YTD figures from previous pay periods (optional but recommended for accurate YTD totals)

Browse All State Paystub Generators

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Ready to Generate Your Arkansas Pay Stub?

Pay stubs come up at the most inconvenient times — right when you're closing on a rental, finishing a loan application, or trying to get your financial records together before a deadline. The ePaystubs Arkansas paystub generator gets you a clean, professional document in minutes. Free preview. No account. Accurate 2026 numbers. Download and done.

Create Your Free Arkansas Pay Stub Now