Business Suite
Pay Stub
Generator
Create professional pay stubs instantly. Calculates federal tax, Social Security, Medicare, and state tax automatically. Print or save as PDF. No watermark, no account required.
Company Details
Company Name
Company Address
EIN (optional)
Pay Period
Pay Date
Period End
Employee Details
Employee Name
Employee ID
SSN (last 4)
Pay Type
Filing Status
Annual Salary
Tax & Deductions
State Tax %
401(k) %
Health Ins. ($)
Other Deduction ($)
Other Deduction Label
Frequently Asked Questions
What information is included on a pay stub? ▾
A standard pay stub shows: employee name and employer name, pay period dates, gross pay (before deductions), itemised deductions (federal income tax, state tax, Social Security at 6.2%, Medicare at 1.45%, health insurance, retirement contributions), net pay (take-home amount), year-to-date totals for each line, and hours worked for hourly employees. Self-employed workers use pay stubs to prove income to landlords and lenders.
What is the difference between gross pay and net pay? ▾
Gross pay is your total earnings before any deductions. Net pay ('take-home pay') is what you actually receive after federal income tax, state income tax, FICA taxes (Social Security 6.2% + Medicare 1.45%), and any voluntary deductions like health insurance or 401(k) contributions are subtracted. For most employees, net pay is 65–80% of gross pay depending on tax bracket and deduction elections.
What are FICA taxes? ▾
FICA (Federal Insurance Contributions Act) taxes fund Social Security and Medicare. In 2025, employees pay 6.2% of gross wages for Social Security (up to $176,100 in wages) and 1.45% for Medicare (no wage cap). Employers pay a matching 6.2% and 1.45%. High earners (above $200,000 individual / $250,000 married) pay an additional 0.9% Additional Medicare Tax. Self-employed individuals pay both the employee and employer portions — 15.3% total.
Can I use a pay stub as proof of income? ▾
Yes — pay stubs are widely accepted as proof of income for rental applications, mortgage applications, auto loans, and credit card applications. Landlords typically ask for 2–3 months of pay stubs. Mortgage lenders usually want 2 years of W-2s and recent pay stubs. If you're self-employed, lenders may also want bank statements and tax returns. Download your pay stub as a PDF from this tool for official use.
What is the difference between a pay stub and a W-2? ▾
A pay stub documents a single pay period and is issued every time you're paid. A W-2 (Wage and Tax Statement) is issued annually by January 31 and summarises your full year's wages and taxes withheld. The W-2 is what you use to file your federal tax return. The year-to-date figures on your last pay stub of the year should closely match your W-2 figures — if they differ significantly, contact your payroll department.
How to Generate a Pay Stub
Create a professional pay stub with accurate tax and deduction calculations — no watermark.
01
Enter employee information
Name, address, and employee ID. These appear in the employee section of the stub.
02
Enter employer information
Company name and address. Upload a logo if you have one — it appears in the header.
03
Set the pay period
Enter the start and end dates of the pay period and the payment date. This is the period the stub covers.
04
Enter gross pay
For salaried employees, divide annual salary by pay periods (26 for biweekly, 24 for semimonthly). For hourly, enter hours × rate.
05
Review automatic deductions
Federal income tax, Social Security (6.2%), and Medicare (1.45%) calculate automatically. Add any additional deductions: health insurance, 401(k), state tax.
06
Download the PDF
The stub downloads as a clean PDF with no ToolStack branding. Professional appearance for employees, contractors, and self-employed individuals.
💡 Self-employed people often use pay stub generators to document income for apartment applications or mortgage pre-qualification. This tool is free for that use — just be accurate and honest.