Name: StubCreator
Brand: StubCreator
SKU: stub
Rating: 4.8 (6785 reviews)

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Why 135K+ People Trust Our Free
Paystub Generator

Tax Accuracy

Our pay stub calculations follow the 2026 IRS tax tables, including IRS Publication 15-T, FICA limits, and the 50 states of the USA tax rules to ensure accurate withholdings.

Data Privacy

Your payroll data is protected with 256-bit SSL encryption and secure systems. We do not sell, share, or disclose your personal or business information.

Instant Preview

In this check stub generator, you can preview your complete pay stub before downloading a high-quality PDF. The final document reflects exactly what you see during the preview step.

Expert Review

Payroll formulas are verified by expert accountants and aligned with standard accounting practices to support accurate pay stubs for employees, freelancers, W-2, and 1099 workers.

1st Paystub Free

Get your first paystub worth $4.99 totally free while using StubCreator online. You don't need any subscription or dedicated payroll software to generate free pay stubs.

Templates & Customization

Choose from multiple comprehensive pay stub template options to give your business a credible source. You can easily add company logo, custom earnings (like bonuses or tips), and deductions to match your specific needs.

What is a Paycheck Stub and Why is it Important?

The paycheck stub, or pay stub is an earnings statement that outlines an employee’s earnings and deductions summary for a specific pay period.

Why Does a Paycheck Stub Matter?

The paystub is proof of income, which is required for credit, rental applications, or financial verification.
This document is essential for accurate federal law and state tax filing.
A pay stub gives small businesses a credible and organized appearance.
It helps employers and contractors keep a record of earnings and deductions over time.

How to Generate Free Payroll Check Stubs Online?

Generating pay stubs is essential for businesses and independent contractors, as they serve as official proof of income, tax deductions, and employment records. Our free paystub creator simplifies the time-consuming and costly process by delivering quick and reliable results.

With a Paycheck stub generator, all it takes is a few minutes to generate pay stubs online for free.

Insert the employee’s and employer’s name & address.
Insert your pay period with the pay date. (Make sure you select the latest pay date first)
Insert your pay rate (hourly or annual).
Fill in the minimal details, and choose a pay stub template.
YTD earnings are automatically calculated.
You can choose the YTD pay period. (By default, YTD is auto-calculated, but you can adjust YTD using the YTD dropdown menu.)
After you have filled out all the details, our free paycheck stub maker will generate your check stub instantly.
Preview the pay stub, check all the information, check out, and download it.

Add-On Features:

You can check and select these optional add-on features to customize your pay stub further.

Deposit Slip – Include a deposit slip along with your pay stub.

Tax Adjustments – Customize federal, state, or local tax deductions as needed.

Custom Labels – Rename earning or deduction labels to match your payroll format.

Advanced Tool – Add advanced payroll fields, such as additions and deductions, for more detailed pay stub control. If you need predefined additions like bonus, overtime, etc then use our Advanced Paystub Generator.

YTD Entry – Manually enter previous year-to-date amounts for accurate records.

Who Needs a Professional Paystub Creator?

If you’re a small business owner or a freelancer, having access to professional pay stubs is vital for tax filing, loan applications, and financial transparency. A paystub is needed for filing taxes and loans. The following entities need a pay stub generator:

Employees

The free pay stub can be used by an employee for loan applications, large purchases, renting an apartment, tax filing, compensation, and claims. When employers do not provide any income statements, employees can use a free paystub maker tool to create a paystub to monitor their income.

Employers

Employers use a paystub creator to make tax season easier, track expenses, and settle pay discrepancies. Exact and timely payment stubs can promote transparency and employee satisfaction.

Entrepreneurs & Freelancers

Freelancers and contractors do not have steady incomes. It is easier for them to use pay stubs maker to create instant proof of income. For entrepreneurs who are paying themselves, detailed paycheck stubs serve as valid documentation when applying for a loan, renting an apartment, or monitoring income.

Accountants

Accountants used to work with businesses and individuals who do not have a payroll system. They can use the free paystub creator tools, which will help them produce well-organized records to ensure that all incomes and deductions are perfectly documented.

Gig workers & Part-time workers

Ride-share drivers, delivery drivers, and other gig workers who work on an hourly basis or work part-time often do not receive formal pay stubs from their workplaces; that’s where a pay stub creator helps to get proof of income for renting.

Small Businesses

Paystub generators help small organizations keep accurate salary records and generate professional pay stubs.

Medium-sized Business

For medium-sized organizations, monitoring employees’ pay stub details using Excel sheets is a challenging task. A free pay check stub generator smoothens the process that ensures bulk payroll accuracy.

Self-employed Individuals

Self-employed people need to generate pay stubs for applying for a loan, renting any property, or documenting their income, expenses, and deductions. The pay stubs are especially designed to add key information required to show proof of income.

2026 Payroll Deductions & Tax Withholding Explained

Payroll deductions are amounts taken from your employees’ paychecks before they receive the final amount as net pay. These payroll deductions apply to certain expenses such as taxes, benefit schemes, and savings initiatives like retirement contributions.

Employers have to make sure that the calculations and deductions of the taxes are accurate. To adjust tax calculations, you can use the Custom Paystub Generator. Common payroll deduction examples include:

Federal Income Tax

The FIT taxes are applied to wages, bonuses, and tips that all US workers have to pay unless they are exempted due to a lower income slab. These taxes are automatically calculated based on IRS guidelines to ensure accurate withholding.

State and Local Income Tax

State and local taxes, such as CASDI in California, PFL in New York, and state income taxes, depend on where employees work, not the employer’s location. Our Paycheck stub maker automatically applies accurate 2026 rates for all 50 states.

FICA Taxes (Social Security and Medicare)

Employees have to withhold a certain percentage for Social Security and Medicare from each paycheck. Employees can opt for contributions to flexible spending accounts or health savings accounts.

Retirement Contributions

These may include traditional or Roth 401(k) plans and USA pension contributions. Employers and employees can contribute, helping secure long-term financial stability and future retirement security.

Union Dues

If applicable, dues are deducted for employees covered by a union agreement. These dues support union activities and collective bargaining benefits for all covered members and their professional development programs.

Note: Our tool is updated for the 2026 tax year, including the new inflation-adjusted Federal income tax brackets and the updated Social Security wage base of $176,100.

Generate Paystubs with Our Free Paystub Maker

Create pay stubs in simple steps. Get the first pay stub for FREE.
Pay only from the second pay stub onwards!

Grab Your Free Paystub

Frequently Asked Questions

Is it legal to use a paystub generator?

Yes, a check stub generator is legal as long as the information provided is 100% accurate and used for legal documentation purposes.

Can I create my own pay stub?

Yes, you can generate your own pay stubs whether you are an employee, self-employed, a freelancer or a contractor. However, you need to take care, all wage, deduction and tax info needs to be accurate and understandable!

How are fake pay stubs detected?

The fake stubs are identified by improper tax calculations, absence of details or information not match up.

Are pay stub generators legit?

Yes, professional tools like StubCreator are legitimate software solutions for documenting wages, provided the user enters truthful data.

How to generate a pay stub for free?

To generate secure pay stubs for free, simply enter your company details and wage details into our free paystub maker, preview the document and download your first stub at no cost.

What's the best free paystub generator?

The best paystub maker tool is one that is updated for the 2026 IRS 15-T tables, offers 100% secure SSL encryption, and provides a professional PDF format for W-2 and 1099 workers.

Can I use this payroll tool for Canadian employees?

No, this specific tool is calibrated for US tax laws. For Canadian payroll, you must use our dedicated Canada Paystub Generator. It is specifically designed to handle CRA requirements, provincial tax rules, CPP, and EI calculations accurately.

Disclaimer: StubCreator is an online tool for personal record-keeping and payroll estimation. We are not a CPA firm or a tax preparation service. Users are responsible for ensuring their use of these documents complies with local, state, and federal laws.

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Why 135K+ People Trust Our Free
Paystub Generator