Free Accounting Tool

Pay Stub Generator

Build a clean, printable earnings statement with hours, gross pay, deductions, YTD totals, and net pay. Print or save as PDF in your browser.

Employer & employee

Pay period

Earnings & deductions

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This stub × N for YTD totals

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Earnings Statement

Acme Co.

123 Main St Albuquerque, NM 87102

Pay date

2026-05-01

Pay period

2026-04-13 → 2026-04-26

Employee

Jane Doe

456 Oak Ave Albuquerque, NM 87107

Employee ID

E-1042

SSN

XXX-XX-1234

EarningsHoursRateCurrentYTD
Regular80$25.00$2,000.00$16,000.00
Gross pay$2,000.00$16,000.00
DeductionsCurrentYTD
Federal income tax$220.00$1,760.00
Social Security (6.2%)$124.00$992.00
Medicare (1.45%)$29.00$232.00
State income tax$60.00$480.00
Total deductions$433.00$3,464.00

Net pay

$1,567.00

YTD $12,536.00

Frequently asked questions

What is a pay stub?

A pay stub (or earnings statement) documents one pay period: gross pay, hours worked, all withholdings and deductions, and final net pay. It also typically shows year-to-date totals so the employee can track progress toward W-2 amounts.

Are employers required to provide pay stubs?

Federal law does not require pay stubs, but most states do. Some require electronic delivery to count, others require paper or printable PDF. Check your state labor department for the exact rule that applies to you.

What are the standard payroll tax rates?

For 2026, employee Social Security is 6.2% on wages up to the $184,500 wage base. Medicare is 1.45% on all wages, plus an additional 0.9% that employers withhold after an employee exceeds $200,000 in Medicare wages for the year.

Can I use this pay stub to prove income for a loan or rental?

A self-generated pay stub generally is not accepted as proof of income unless it matches an actual W-2 and bank deposit history. This tool is intended for record-keeping, modeling take-home pay, and reconstructing a missing stub from real payroll data — not for fabricating income.

How do I save this as a PDF?

Click "Print / Save as PDF" and choose "Save as PDF" as the destination in your browser's print dialog. The form fields and FAQ are hidden in print, leaving a clean one-page stub.

How is overtime calculated?

For hourly non-exempt employees, federal FLSA requires 1.5× the regular rate for hours worked over 40 in a workweek. Some states have daily overtime rules (over 8 hours per day) or double-time. This calculator applies a flat 1.5× to overtime hours you enter.

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