Online Paystub Generator Built
for Real Proof of Income
No employer on payroll to call? Our online paystub generator turns your real earnings into a clean pay stub that a landlord, lender or loan officer can read at a glance. Enter your numbers, watch the live preview update, then download a finished PDF. Your first paystub is free, and every one after that is $1.99.
No credit card. No account needed.
Sample Company Inc.
123 Business Ave, New York, NY 10001
EIN: 12-3456789
(555) 123-4567
Earnings Statement
Pay Period: 2026-03-14 – 2026-03-27
Pay Date: 2026-04-03
Employee
Jane Employee
456 Enterprise St, New York, NY 10002
Pay Information
| Earnings | Rate | Hrs | Current | YTD |
|---|---|---|---|---|
| Salary | $2,500.00 | N/A | $2,500.00 | $17,500.00 |
| Gross Pay | $2,500.00 | $17,500.00 |
| Deductions | Current | YTD |
|---|---|---|
| Federal Income Tax | $216.15 | $1,513.05 |
| State Income Tax | $171.25 | $1,198.75 |
| Social Security (OASDI) | $155.00 | $1,085.00 |
| Medicare | $36.25 | $253.75 |
| Roth 401(k) | $100.00 | $700.00 |
| Total Deductions | $678.65 | $4,750.55 |
$17,500.00
$4,750.55
$12,749.45
$2,500.00
$678.65
$1,821.35
This is a computer-generated document. No signature is required.
Modern: Clean contemporary design with gradient accents.
- First paystub free
- $1.99 after that
- All 50 states
- About 3 minutes
- No account needed
Free Online Paystub Generator: Your First Stub Costs Nothing
PayStubVault is a free online paystub generator for your first stub. There is no account to open and no card to enter. Pick one of our pay stub templates, type in your pay period and earnings, and the built-in calculator works out federal withholding, state withholding, Social Security and Medicare, with year-to-date totals. It is a paystub generator with a calculator, so you never type a tax figure by hand.
If you have been searching for a free paystub generator online, or a paycheck stub for free that still does the tax math, this is how it works: one free paystub to see the result before you spend anything. A paystub generator free online should be that simple.
After the free stub, each paystub is $1.99 with no subscription, and corrections before you download are free. See the full pricing.
Calculated for you
- Federal withholding
- State withholding
- Social Security
- Medicare
- Year-to-date totals
What Is a Pay Stub?
A pay stub, also called a paycheck stub, check stub or earnings statement, is the record of what a person earned in one pay period. It shows gross pay, the taxes and deductions taken out, net pay and year-to-date totals. Landlords, lenders and mortgage brokers ask for one to confirm income. A pay stub maker like PayStubVault builds the document for you from the numbers you enter. Need a simpler form for a one-off check? Try our free check stub maker.
- Also called
- Paycheck stubCheck stubEarnings statement
- Shows
- Gross pay
- Taxes & deductions
- Net pay
- Year-to-date totals
How to Create a Paystub Online in 3 Steps
You should not need an accounting background to document your income correctly. Our online paystub generator breaks it into three plain steps.
- 1Step 1
Enter Company Details
Business name, worker details, pay period and pay date. Simple fields, no jargon.
- 2Step 2
Enter What Was Earned
Log hours or salary. The system calculates federal and state tax withholding, Social Security and Medicare for you, using current IRS tables. Gross pay is logged, taxes are calculated and net pay is totaled automatically.
- Gross pay logged
- Taxes calculated
- Net pay totaled
- 3Step 3
Preview, Confirm, Download
Check the numbers once more, then download your printable PDF pay stub instantly. Print it, save it or upload it wherever it is needed.
Ready as a PDF
Where a Pay Stub Is Asked For
A pay stub is a financial record that a stranger will read closely. These are the places it comes up most.
Rental applications
Landlords usually want recent pay stubs to confirm you can cover the rent. If you are self-employed or paid per job, a clear stub with year-to-date totals gives them what they need. See how it works for self-employed people.
Mortgage pre-approval and auto loans
Lenders look at income history, so year-to-date totals matter. Ask your lender which documents they need, because many also want bank statements or tax returns.
Credit cards and personal loans
Applications often ask for proof of income. A pay stub that lists pay period, gross pay, taxes and net pay answers that question in one page.
Gig and platform income
Rideshare and delivery apps do not issue pay stubs. See our page for gig workers.
Your own records
Even when nobody asks, a dated record of what you earned keeps your finances in order at tax time.
A pay stub is one document in a file, not a promise of approval. Every figure must reflect income you really earned; see our Appropriate Use Policy.
What Every Pay Stub Includes
If you have never had to put one together yourself, here is what each section of a PayStubVault pay stub tells the reader, in plain language.
A Worked Example
Riverbend Design Co. → Jordan T. Ellis
- Pay period
- 08/18/26 – 08/24/26
- Gross pay
- $880.00
- Federal withholding
- $96.80
- State withholding
- $26.40
- FICA (Social Security & Medicare)
- $67.32
- Year-to-date total
- $27,340.00
Company & Employee Info
Who paid, and who got paid. This is the basic identity of the document.
Pay Period & Pay Date
The exact dates the earnings cover, and when payment was issued.
Gross Pay
What was earned before anything is taken out.
Tax Withholding
Federal and state income tax withheld for that pay period.
Other Deductions
Social Security and Medicare (FICA), plus any benefits or garnishments that apply.
Year-to-Date Totals
Running totals for the calendar year, often the first number a lender checks.
Net Pay
What you actually take home after every deduction.
Because it is a pay stub generator with YTD totals, item six updates on its own each time you add a new pay period, so your running numbers stay in sync.
Pay Stubs for Every Kind of Income
Not everyone gets a pay stub from an employer. If your income arrives as invoices, platform payouts or business profits, our online paystub generator turns those earnings into a document a landlord or lender can read: pay period, gross pay, taxes and year-to-date totals.
Freelancers
Project income arrives in lumps, and nobody hands you a pay stub. Build one for each pay period from your invoices, with year-to-date totals that make your earnings easy to follow. Learn more about paystubs for freelancers.
Independent Contractors
Paid on a 1099 with no employer behind you? Our independent contractor pay stub generator lays out your earnings, deductions and year-to-date total on one clean page that lenders and landlords already know how to read.
Self-Employed Individuals
When you work for yourself, you are both the employer and the employee. Document what you pay yourself with consistent stubs, so your income history is clear instead of a pile of bank deposits. Start with self-employed pay stubs online.
Gig Workers
Rideshare, delivery and platform apps pay you out, but they rarely give you a pay stub. Turn each pay period's earnings into a stub that is easy to attach to a rental or loan application. Details on pay stubs for gig workers.
Small Business Owners
Running payroll for a few people should not mean spreadsheets and manual tax math. Enter hours or salary and the calculator works out withholding and totals for each employee. See the paystub generator for small business.
The Features That Actually Matter
Fast turnaround
A finished stub in about three minutes, live preview included.
Real tax math
Federal and state withholding calculated with current-year IRS tables.
Professional pay stub templates
Clean, print-ready designs. Browse the templates.
Automatic YTD tracking
Earnings, taxes and deductions totaled for you every time.
Free corrections before you download
Spot a typo in the preview? Fix it at no charge.
Instant PDF download
Your print-ready PDF is available the moment it is ready.
Your State's Tax Rules, Not a One-Size-Fits-All Formula
Withholding rules vary a lot from state to state. As a pay stub generator with state tax calculator logic built in, PayStubVault applies your state’s withholding automatically, whether that is a flat rate or no state income tax at all. Pick your state and the math happens behind the scenes.
State guides: CaliforniaTexasNew YorkGeorgiaAlabamaOhio pay stub generatorNorth Carolina pay stub generatorMichigan pay stub generator
Browse all 50 statesOne Free Paystub. Then Just $1.99. That's It.
No monthly plan. No account required to get started. No charge you did not see coming.
First stub
$0
No credit card required.
- Full access to every template
- Automatic federal and state tax calculations
- Instant PDF download
Each one after
$1.99
Per stub, no subscription.
- Same accuracy, same templates
- No account needed to reorder
- Free corrections before you download
Generate one, or generate fifty for your whole crew.
How PayStubVault Compares
Pay stub generators vary a lot on price, account requirements and what is included. Here is how we line up. For a fuller side-by-side, see our pay stub generator comparison.
| Feature | PayStubVault | Typical online generator | Payroll software |
|---|---|---|---|
| Price per stub | $1.99 | Often $3.99 or more | Monthly subscription |
| First stub free | Yes | Varies | Usually no |
| Account required | No | Varies | Yes |
| Free corrections before download | Yes | Varies | Not applicable |
| State tax tables | All 50 states | Varies | Yes |
Comparison reflects commonly observed pricing in the category. Individual providers vary.
Why We Built a Better Way to Document Income
Most payroll tools were designed around one assumption: that everyone gets a W-2 and an HR department handling their paperwork. That is not how a large share of the workforce earns a living now.
PayStubVault was built for the freelancer between contracts, the driver running three delivery apps at once, the small business owner doing payroll on a Sunday night, and everyone else who needs an accurate record of what they earned, without paying for software built for a 200-person company. We keep our federal and state tax data current every year, we do not lock anyone into a subscription, and we do not help anyone document income that is not real.
How We Calculate Your Numbers
Every PayStubVault stub follows the withholding method in IRS Publication 15-T. For 2026 we use the federal standard deduction of $16,100 for single filers, $32,200 for married filing jointly and $24,150 for head of household, and the Social Security wage base of $184,500. Social Security and Medicare use their standard rates, and state withholding follows your state’s rules.
The math is only as accurate as what you enter, so double-check hours, pay rate and dates in the preview before you download. Read our Appropriate Use Policy to see what the tool is for and what it is not.
Last updated:
2026 federal figures
IRS Publication 15-T method
- Standard deduction, single
- $16,100
- Standard deduction, married filing jointly
- $32,200
- Standard deduction, head of household
- $24,150
- Social Security wage base
- $184,500
- Social Security / Medicare rates
- 6.2% / 1.45%
More Free Tools and Pages
Everything you need to create, check and compare pay stubs in one place.
Template
Free Pay Stub Templates
Filled sample stubs, free to download.
Check stubs
Free Check Stub Maker
A simple version for a single check.
States
State Pay Stub Generators
Rules and tools for each state.
Compare
Compare Pay Stub Generators
See how the options line up.
Pricing
Pricing
First stub free, $1.99 after.
Common Questions, Answered Plainly
An online paystub generator is a web tool that builds a pay stub from the details you enter. You add the company, the worker, the pay period and the earnings, and it calculates taxes and totals and gives you a PDF. PayStubVault does this in about three minutes with no account.
Your Details Don’t Belong to Anyone but You
Payroll information is sensitive: names, addresses, pay figures and partial ID numbers. We protect it with an encrypted SSL connection and a firm no-third-party-sharing policy.
- Encrypted connection (256-bit SSL)
- Never sold or shared
- Read our Privacy Policy
Document What You Earned, Not What You Wish You Earned
This platform is meant to document income you have genuinely earned, not to help anyone invent numbers. Using a generated stub to mislead a lender, landlord or government agency counts as income fraud, which carries serious federal penalties. Keep every figure accurate, and the stub does exactly what it is supposed to do.