Free Pay Stub Generator
Build a professional-looking earnings statement for legitimate payroll records — enter your pay details, see taxes and deductions itemized, then print or save as PDF.
Use this tool lawfully
For legitimate payroll records only. Creating a pay stub with false information — or using a pay stub to misrepresent your income to a lender, landlord, or government agency — is fraud and illegal, and can lead to fines or criminal charges. Only generate stubs that reflect real, verifiable pay.
Earnings Statement
Employer: —
Employee: —
Pay period: Bi-weekly · #1 of 26
State: California
| Description | Current | YTD |
|---|---|---|
| Gross pay | $2,000.00 | $2,000.00 |
| Federal withholding (est.) | −$440.00 | −$440.00 |
| Social Security + Medicare (7.65%) | −$153.00 | −$153.00 |
| Net pay | $1,407.00 | $1,407.00 |
Estimate generated by OTWhiz for legitimate payroll records only. Creating or using fake pay stubs is fraud and illegal. Tax figures are rough estimates, not tax advice — confirm with your payroll provider.
How the stub is calculated
- Gross pay — enter it directly, or enter hourly rate × hours for the period.
- Federal withholding — your estimated rate applied to (gross − pre-tax 401k). This is a rough estimate; actual withholding follows IRS tables and your W-4.
- FICA — Social Security 6.2% + Medicare 1.45% = 7.65% of gross pay.
- Deductions — 401(k), health insurance, and anything else you list are subtracted to reach net pay.
- YTD — current-period figures × the pay-period number you enter (a simple straight-line estimate).
Pay stub FAQs
What is a pay stub?
A pay stub (paycheck stub) is the breakdown that accompanies your pay: gross earnings, tax withholdings, deductions, and net pay, usually with year-to-date totals.
Can I use this pay stub as proof of income?
Only if every number on it is true and matches your actual pay records. Lenders and landlords routinely verify income with employers and tax documents — a stub with invented numbers is fraud.
Is it legal to make my own pay stub?
Making a stub that accurately reflects real pay you received is fine. Making one with false information, or altering a real one, is illegal.
Why does my stub need YTD totals?
Year-to-date totals help you (and anyone reviewing the stub) sanity-check that the numbers are consistent across pay periods.
Estimates only — not tax or legal advice. Verify with your employer or a tax professional.