Taxes calculated, not guessed
Federal income tax from the 2026 brackets and your filing status, Social Security at 6.2%, Medicare at 1.45%, and state income tax for the state you pick — filled in automatically, and every one of them editable.
Paystub Generator
Paystub generator: professional pay stubs with the taxes done
Enter the pay details once. PayStubGo calculates federal, state, Social Security and Medicare for 2026, lays it out on a real earnings-statement template, and lets you check every line before you pay. $2.99 a stub, $6.99 for three. Your first one is free.
Federal, state and FICA taxes calculated for 2026 — all editable
Six templates, all included in the price
Live preview; pay only when it looks right
First stub free · then $2.99 · 3 for $6.99
Loading preview…
Preview shown for illustration.
Every field is yours to change
Hourly or salary, overtime, tips, bonus, commission, reimbursements, custom deductions, year-to-date totals, check number, pay frequency. If your real stub shows it, this one can.
Looks like real payroll
Six earnings-statement layouts modelled on what payroll systems actually print — the kind a landlord, lender, or bookkeeper has seen a hundred times.
Who it is for
One paystub generator, three very different reasons to need it
Most people who search for a paystub generator are not payroll clerks. They are renters who get paid by direct deposit, contractors nobody issues a stub to, and owners who pay a couple of people. Each gets its own page and its own pack.
Proof of income
Renters and borrowers who are paid by direct deposit and never get a stub. Two or three consecutive periods, in one export.
Read more →Contractors and the self-employed
Contractor/1099 mode keeps withholding at zero, shows platform fees as deductions, and still prints YTD totals.
Read more →Small employers
Company entered once, one employee per stub, overtime at 1.5×, tips, estimated withholding, records you can keep.
Read more →Paystub Creation Flow
Create a Paystub Online in 3 Simple Steps
Two minutes of typing, one look at the preview, one payment. Nothing to install and no account to set up first.
Step 1
Enter the pay details (about two minutes)
Company, employee, pay period and pay date, then earnings. Choose the state; switch on Contractor/1099 mode if nothing was withheld.
Step 2
Check the preview, line by line
The stub renders live as you type. Compare net pay to your real deposit and edit any tax or deduction until it matches.
Step 3
Pay once, download instantly
Pick a template — all six are included — and download. $2.99 a stub, $6.99 for three consecutive periods. Your first stub is free by email.
How the numbers are worked out
How each line on the stub is calculated
A stub is only convincing if the arithmetic holds up. This is what the builder does with each figure, and what you can override.
Gross pay
Hourly rate × regular hours, plus overtime hours at the overtime rate (1.5× by default), plus any bonus, commission, or tips you add as their own lines. Salaried stubs use the per-period salary amount.
Federal income tax
Estimated from 2026 federal withholding brackets using the filing status you choose (single, married, head of household). Editable, because your W-4 elections change the real figure.
Social Security and Medicare
6.2% of taxable wages for Social Security up to the annual wage base, and 1.45% for Medicare with no cap. These two rarely need editing.
State income tax
Applied for states that have one, at that state's rate structure; left at zero for Texas, Florida, Washington, Nevada, and the other no-income-tax states. Forty state pages explain the local lines.
Deductions
Health insurance, retirement contributions, garnishments, platform fees — add any deduction with your own label so the net matches what actually reached your bank.
Year-to-date and net pay
Enter YTD figures or let the builder estimate them. Net pay is gross minus taxes and deductions, and it prints in the summary block the way every payroll system does.
Prices, side by side
PayStubGo vs the paystub generators you'll see on page one
Same job — a professional earnings statement with estimated taxes — at a lower price. Prices are what each site publishes, checked September 2026.
| PayStubGo | 123PayStubs | SecurePayStubs | Pay-Stubs.com | Real Check Stubs | |
|---|---|---|---|---|---|
| One stub | $2.99 — any template | $3.99 | $4.99 | $5.00 | $8.99 |
| First stub free | Yes — any template, emailed | Yes | With a promo code | No | No |
| Three stubs (2–3 months) | $6.99 pack, deposit slip included | $11.97 (3 × $3.99) | $14.97 (3 × $4.99) | $15.00 (3 × $5.00) | $26.97 (3 × $8.99) |
| Six stubs (a quarter) | $11.99 pack | $23.94 (6 × $3.99) | $29.94 (6 × $4.99) | $30.00 (6 × $5.00) | $53.94 (6 × $8.99) |
| Monthly subscription | None | None | None | None | None |
Competitor prices are the per-stub prices published on each site as of September 2026; pack totals for competitors are simple multiples because they do not publish packs. Features, templates, and delivery options differ — this table compares price only.
What this is — and is not
A document builder, not payroll and not verification
PayStubGo makes an earnings statement from the figures you enter. It does not run payroll, file taxes, verify employment, or vouch for your income; landlords and lenders may confirm the deposits with your bank. Enter what you were really paid — a stub with invented income is fraud, and it is easy to spot.
Ready when you are
Two minutes to enter, one look at the preview, and the PDF is yours. First stub free every year, then $2.99.
Create Free PaystubRelated Paystub Resources
Start from the page written for your situation, or compare templates and pricing first.
Free Paystub Generator
Use the free online paystub generator to create your first eligible paystub free and preview the result before export.
Paycheck Stub Generator
Create paycheck-style or check-stub records when that label better matches the document you need.
Paystub Templates
Compare paystub templates and choose a professional layout before creating your PDF.
US Paystub Generator
Browse state-specific paystub generator pages and local paystub guidance.
Pay Stubs for Rental Applications
What landlords check, how many periods to show, and the 3-stub pack that covers it.
1099 Contractor Pay Stubs
Contractor mode with zero withholding, fees as deductions, and YTD totals.
Pricing
Review paystub generator pricing, first-free eligibility, and standard export pricing before creating your paystub.
Reviews
See customer feedback highlights and trust signals for PayStubGo.
Frequently Asked Questions
How does the paystub generator calculate taxes?
Federal income tax is estimated from the 2026 withholding brackets and the filing status you choose; Social Security is 6.2% and Medicare 1.45% of taxable wages; state income tax follows the state you select and stays at zero in states without one. Every figure is editable so the stub can match your real withholding.
Is it legal to make your own pay stub?
Yes, when it records real pay. Self-employed people, contractors, and workers whose employer does not issue stubs create their own income records all the time. What is illegal is presenting invented income to a landlord, lender, or agency — that is fraud, whatever tool produced the document.
Will a lender or landlord accept a PayStubGo stub?
Lenders and landlords accept pay stubs that reflect real, verifiable income, and many confirm the figures against bank deposits or with the employer. PayStubGo produces a standard earnings statement from the numbers you enter; it does not verify employment or income.
How much does it cost?
Your first stub is free on any template, delivered as a PDF by email. After that it is $2.99 per stub, $6.99 for three consecutive pay periods, or $11.99 for six. No subscription.
Which templates can I use?
Six earnings-statement layouts are live — Default, Professional Classic, Classic Blue, Detailed Blue, Refined Blue, and Minimal Professional — and all six are included in the price. You can switch templates in the preview before you pay.
Can I make stubs for several pay periods or several employees?
Several pay periods for the same person: use the advanced builder and choose the stub count; dates step back automatically per pay frequency and the pack price applies. Several employees: make one stub per employee — company details carry over.
Can I edit a stub after I preview it, or download it again later?
Edit anything before you pay; the preview updates live. Paid stubs download instantly and are emailed, and the same email gives you a My Account page for re-downloads.
Didn't find what you needed? Visit the PayStubGo FAQ page for more answers.