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.
Pay stub generator with every tax line calculated
Make pay stubs without doing the arithmetic. Enter the pay details once and this paystub creator 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
- Twenty-eight templates, all included in the price
- Live preview; pay only when it looks right
- First stub free each year · 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
Twenty-eight 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 pay stub maker, 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 twenty-eight are included — and download. $2.99 a stub, $6.99 for three consecutive periods. Your first pay stub each year is free and sent 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. Pages for fifty states and Washington, D.C. 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 | StubCreator | |
|---|---|---|---|---|---|---|
| One stub | $2.99 — any template | $3.99 | $4.99 | $5.00 | $8.99 | $4.99 |
| First stub free | Yes — any template, emailed | Yes | With a promo code | No | No | Yes, each year |
| 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) | $14.97 (3 × $4.99) |
| Six stubs (a quarter) | $11.99 pack, deposit slip included | $23.94 (6 × $3.99) | $29.94 (6 × $4.99) | $30.00 (6 × $5.00) | $53.94 (6 × $8.99) | $29.94 (6 × $4.99) |
| Monthly subscription | None | 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 each year, then $2.99.
Create Free PaystubRelated Paystub Resources
Start from the page written for your situation, or compare templates and pricing first.
Online Paystub Generator
The PayStubGo home page: the online paystub generator, the templates and the prices in one place.
Free Paystub Generator
Use the free paystub generator to create your first eligible paystub free and preview the result before export.
Paycheck Stub Generator
Paycheck stubs and payroll stubs with hours, overtime, estimated taxes and year-to-date totals.
Check Stub Maker
For pay by paper check: check number, separate pay date and an optional deposit slip page.
Sample Pay Stub
See a filled-in pay stub example with every section explained before you make your own.
Pay Stub Templates
Compare every pay stub template and choose a layout before creating your PDF.
State Tax Withholding by State
What each state takes from a paycheck and requires on a pay stub, with a page per state.
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
PayStubGo pricing: the per-stub price, the pack prices and what is included.
Reviews
See customer feedback highlights and trust signals for PayStubGo.
Guides
Guides worth reading before you generate
Short reads on getting the details right, and on stubs for employers and the self-employed.
How to create a pay stub online, step by step
The whole flow, from gathering the pay details to checking the preview before the PDF.
Mistakes to check before you download
The errors worth catching in the preview, before the PDF is final.
What YTD means on a paystub
What year-to-date totals include and why they grow each pay period.
Check stub or pay stub: is there a difference?
What the two names mean and whether the documents differ.
What small business owners should include on a stub
The details an employer puts on each employee's paycheck stub.
Pay records for contractors and freelancers
Keeping a clear record of what you were paid when nobody issues you a stub.
Frequently Asked Questions
How does the pay stub maker 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?
Whether to rely on any pay stub is the lender's or landlord's decision, and no tool can promise it. Many compare the figures with bank deposits or confirm them 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 pay stub each year 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?
Any of the twenty-eight earnings-statement layouts, all included in the price. They come in four layout families: Classic grid, Side-by-side ledgers, Modern cards, and Portrait statements. Top picks to start with: Default, Split Ledger, Tile Grid, Bar Stack, and Letterhead. The templates page shows every layout, and 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 for 1 year.
Didn't find what you needed? Visit the PayStubGo FAQ page for more answers.