Free Paystub Maker

Draft itemized pay stubs with verified 2026 federal and state tax math. Built for CPAs, bookkeepers, and payroll professionals. Preview free, no signup.

Frequently Asked Questions

Is this paystub generator free?
Yes! You can generate and preview paystubs completely free. You only pay a small fee ($8.99) when you want to download the unwatermarked PDF.
Are the tax calculations accurate?
Yes. Our engine uses 2026 federal and state tax rates for all 50 US states, including FICA (Social Security + Medicare), federal income tax withholding, and state-specific taxes.
How long does it take to create a paystub?
Under 60 seconds. Simply enter your employer and employee details, select a template, and your paystub is generated instantly with accurate calculations.
What templates are available?
We offer 50+ professional templates covering retail, healthcare, construction, food service, logistics, gig economy (Uber, DoorDash), and more.
Can I use this for proof of income?
Our paystubs are designed for personal record-keeping, budgeting, and organizing income documentation. Each stub itemizes gross pay, taxes, deductions, and net pay, but it is not employer-issued and does not verify income on its own. Reviewers typically weigh federal tax returns, bank statements, and employer or payroll-provider records most heavily — see our proof of income guide for the full document comparison.
Is it legal to make your own pay stub?
Yes — creating your own pay stub is legal when every figure on it is accurate and documents real income, which is why small business owners, self-employed workers, and household employers do it as routine bookkeeping. It becomes fraud the moment numbers are invented or inflated to mislead someone. Read the full guide: Is It Legal to Make Your Own Pay Stubs?
How many pay stubs do I need for an apartment application?
Most apartment applications ask for your 2–3 most recent pay stubs — enough to cover a full month of income. Reviewers think in time covered (usually the last 30–90 days) rather than document count, so weekly pay can mean 4–8 stubs while monthly pay means 1–2. See the full breakdown by situation: How Many Pay Stubs Do You Need?
What should a real pay stub include?
A complete pay stub shows gross pay for the period, federal income tax withholding, FICA taxes — Social Security at 6.2% on wages up to the $184,500 wage base (2026) and Medicare at 1.45% — state and local taxes where they apply, other deductions such as health insurance or retirement contributions, and year-to-date (YTD) totals for every line.