Free Pay Stub Generator
Create professional pay stubs with accurate federal and state tax calculations. Select your state to get started.
Pay Stub Generators by State
What is a Pay Stub?
A pay stub (also called a paycheck stub, pay slip, or earnings statement) is a document that details an employee's earnings and deductions for a specific pay period. It serves as proof of income and helps employees understand exactly where their money goes.
What's Included on a Pay Stub
- Gross earnings — Total pay before any deductions
- Federal income tax — Withholding based on W-4 and tax brackets
- State income tax — Varies by state (some states have none)
- Social Security — 6.2% up to the annual wage base
- Medicare — 1.45% on all earnings
- Pre-tax deductions — 401(k), health insurance, HSA
- Post-tax deductions — Roth contributions, garnishments
- Net pay — Your actual take-home amount
Who Needs Pay Stubs?
Pay stubs are essential for various situations:
- Small business owners paying employees by check
- Household employers (nannies, housekeepers)
- Self-employed individuals documenting income
- Anyone needing proof of income for rentals, loans, or mortgages
State Requirements
43 states require employers to provide pay stubs to employees. Eight states (Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, South Dakota, and Tennessee) have no pay stub requirements. Even in states without requirements, providing pay stubs is a best practice for transparency and record-keeping.
Why Use USAPaycheck's Pay Stub Generator?
Accurate Tax Calculations
Federal and state taxes automatically calculated using 2026 tax brackets. Includes Social Security, Medicare, SDI, and PFL where applicable.
Instant PDF Download
Generate professional pay stubs in seconds. Download as PDF instantly — no account required, no waiting for emails.
100% Free
No hidden fees, no "first one free" tricks. Create unlimited pay stubs at no cost. We keep it free through non-intrusive advertising.