Free Pay Stub Generator

How it works

1. Enter the employer and employee. Use the last 4 digits of the SSN only — never a full Social Security number.
2. Set the pay period, pay date, frequency, and hourly or salary earnings. Add overtime, bonus, commission, or tips as extra rows.
3. Enter deductions yourself. Social Security (6.2%) and Medicare (1.45%) are prefilled as editable starting points. Download a Letter PDF for your records.

Features

• Hourly (hours × rate) or salary, plus custom earning rows
• Federal withholding, FICA, state and local tax, health insurance, 401(k), and other deductions — all user-entered
• This-period and year-to-date columns
• Net pay in words
• Optional employer EIN, employee ID, and last-4 SSN only
• No data stored on the server

What a US pay stub typically shows

A pay stub (sometimes called a payslip) sits with a paycheck or a direct-deposit notice. It usually shows who paid, who was paid, the pay period, the pay date, gross earnings, deductions, and net pay. Many stubs also show year-to-date totals so the employee can compare the stub to a W-2 later.

Earnings might include regular hours, overtime, salary, bonus, commission, and tips. Deductions often include federal income tax, Social Security, Medicare, state income tax, local tax where it exists, health insurance, and 401(k). This generator lets you type those amounts. It does not connect to a payroll provider and it does not file Form 941 or state withholding.

FICA basics (not advice)

FICA is the combined Social Security and Medicare tax withheld from most employee wages. A common starting point is 6.2% for Social Security and 1.45% for Medicare on the employee side, with wage bases and extra Medicare tax rules that change. The fields are prefilled so you can do math quickly. Confirm current rates on IRS.gov before you rely on a number. Additional Medicare tax, Social Security wage base, and pre-tax 401(k) treatment are your responsibility.

State income tax and local tax are not the same in New York City, Austin, and a town with no local wage tax. Enter what your payroll actually withheld.

Who can use this

Small employers who need a clean stub to hand an employee, household employers, and workers who were paid but never received a stub sometimes build a record for a rental application or a personal file. If you invoice clients instead of running payroll, use the invoice generator. This page is not a substitute for a payroll service.

US tips and limits

Never type a full SSN. Last 4 only. Do not use this PDF to pretend you ran payroll if you did not. Lenders and agencies may ask for stubs from the employer or from a payroll processor. We don't store your data. For informational and record-keeping purposes only — make sure the information reflects your actual payroll.

This tool generates documents for convenience and is not legal, tax or accounting advice.

Hourly vs salary on a stub

Hourly stubs usually show hours and a rate so the employee can multiply. Overtime, when it applies under the Fair Labor Standards Act, is often listed on its own line. This form lets you type overtime hours and a rate; it does not decide whether overtime was legally required. Salary stubs may show one line for the period’s salary and then bonuses or commissions below.

Year-to-date columns are only as good as the numbers you type. If this is the first stub you have built in the tool, YTD might equal the current period. If you have earlier stubs, add those totals into the YTD fields. The generator does not import ADP, Gusto, QuickBooks Payroll, or any other system.

Household employers and very small businesses sometimes need a stub so an employee can rent an apartment. If you go that route, the numbers still have to match money that was actually paid and withheld. Inventing a stub is a bad idea. Use the disclaimer on the PDF, and keep employer EIN optional — only add it if you already use it on real payroll forms.

Frequently asked questions

Is this a real payroll service?

No. This tool builds a pay stub PDF from numbers you enter. It does not file taxes, run payroll, or send money. It is for records and convenience only.

Do you ask for a full Social Security number?

No. You may enter the last 4 digits only. Never type a full SSN into this form.

Are FICA rates hard-coded?

Social Security (6.2%) and Medicare (1.45%) are prefilled as a starting point. You can edit them. Confirm current rates with official IRS sources.

Can I show hourly and salary pay?

Yes. Choose hourly (hours times rate, including overtime) or salary. Add bonus, commission, tips, or other earnings as extra rows.

What is YTD on a pay stub?

Year-to-date amounts show pay and deductions so far this calendar year. Enter YTD figures yourself, or use the helper fields. The tool does not import payroll history.

Do you store pay stub data?

No. We do not store employer or employee pay data. Optional drafts stay in your browser. The PDF is generated and downloaded.

Is this tax or legal advice?

No. This generator is not legal, tax, or accounting advice. Make sure the stub matches your actual payroll before you share it.