Choose the pay stub type. Hourly, salaried, or a 1099 earnings statement for contractors.
Add company and employee details. Only the last 4 digits of an SSN are ever shown.
Enter earnings. Hours and rate, salary, or the contract payment, plus any bonus or tips.
Check taxes and deductions. Use automatic estimates or enter the exact amounts from payroll.
Download. Confirm the figures are real and download a clean PDF with no watermark.
What a pay stub shows
A pay stub lists gross pay for the period, each tax withheld (federal income tax, Social Security, Medicare, state and local tax), deductions such as 401(k) or health insurance, and net pay. Year-to-date (YTD) columns show the running totals since January 1. Our annotated examples walk through each line.
Hourly, salaried and 1099
Hourly employees get a Regular pay line with hours and rate, plus an Overtime line at 1.5 times the rate when overtime hours are entered. Salaried employees get a Salary line equal to the annual salary divided by the pay periods in the year: 52 weekly, 26 biweekly, 24 semimonthly or 12 monthly. 1099 contractors get an earnings statement with no withholding; read more on the 1099 pay stub generator page.
Three layouts, five colors
Choose Classic (stacked tables with a summary bar), Horizontal (a short landscape-style earnings statement) or Long with deposit advice (a non-negotiable advice slip above the stub), each in Plum, Blue, Green, Navy or Black and white. Preview all three on the pay stub templates page.
Pay stubs by state
Select the work state in the form. States with published withholding tables in our engine are calculated automatically; for the others, enter the state withholding rate that applies. States with no income tax on wages show a zero state line.
Use only for real payments you made or received. Creating documents with false information may be illegal. Read our acceptable use policy.
Frequently asked questions
Is this pay stub generator free?
Yes. Create and download pay stubs for free, with no signup and no watermark. All three layouts and five colors are included.
Is my information saved?
No. The pay stub is built in your browser and the PDF is created on your device. Nothing you type is sent to our servers.
How are taxes calculated?
Automatic mode uses the IRS Publication 15-T percentage method for federal withholding with your W-4 details, the current Social Security and Medicare rates and wage base, and published state tables for the states in our engine (a rate you enter for the others). For exact numbers from your payroll system, switch to Enter manually. See how we calculate for the 2026 sources.
Can I make more than one pay stub at a time?
Yes. Choose up to six stubs and the generator produces consecutive pay dates ending on the date you enter, with year-to-date totals carried from one to the next, in a single PDF.
Can a 1099 contractor get a pay stub?
Contractors usually do not receive employer pay stubs. The 1099 option creates an earnings statement for payments actually received, with no taxes withheld.
Is it legal to make my own pay stub?
Creating pay stubs for real payments is legal and common. Creating documents with false information is not. Use this tool only for accurate records.