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Instant Online Pay Stub Generator

A simple way to make check stubs online. Generate, print and use. It’s that simple!

Signing a paystub Signing a paystub and a price tag with a price of 8.99$
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First time creating a stub. Customer support was AMAZING. I had a few self-induced issues and customer support was there from start to end.

Brandon Wilson

What is a pay stub?

Simply put, a pay stub is a paper we keep after cashing our payroll checks. Not only does a pay stub serve as proof of income, it also helps you keep track of salary information, taxes paid, overtime pay and more.

How Does Our Check Stub Maker Work?

how to create a pay stub step 1

1. Enter Information such as company name, your work schedule and salary details

how to create a pay stub step 2

2. Choose your preferred theme and preview your pay stub.

how to create a pay stub step 3

3. Download and print your stub instantly

Why choose our Paystub Generator?

Our pay stub generator, unlike any other online paystub maker, is hassle free and takes less than 2 minutes to complete. Providing information such as the company name and your salary information is all it takes to use our pay stub calculator software.


Through our paycheck stub calculator, you will be able to efficiently keep track of your finances, secure bank loans, obtain credit cards and use the stub as proof of income and a strong work reference.

Useful Information

What Is A Paystub Generator?

You may be asking what is a paystub? What does a paystub generator have anything to do with my daily life? Do you catch yourself wondering what is a paystub maker? Let’s look closely into this. A Paystub is a document usually given by an employer that outlines and details your pay (net pay- that is, the amount you take home) This paystub document lists and itemizes your salary/ wages earned for a specific set period. It also lists your taxes and other deductions taken out of your paycheck.

A paystub document has many names and you can even use them interchangeably. A pay stub, payslip, check stub, earnings statementor a paycheck stub all refer to the same document. An employee or an individual can create pay stubs online using the check stub maker or more commonly known as the paystub generator.

Depending on the state you reside in, a pay stub adheres to a certain set of rules. Some states mandate that a paystub must be printed and given to employees in hardcopy. Other states are not as stringent with their rules and allow employees to have an option of hard or soft copies of their paystub.

Using this page will help you understand more about pay stubs and how to produce an authentic document online in minutes. If you are new to all this and still wondering what does a pay stub look like then check out this article that better explains and details what is a paystub, what it looks like and why you need to use a paystub generator today! Here’s a preview of a paystub below:

a template blue checkstub belonging to john doe

Why Do I Need A Paystub Creator?

A paystub document is useful to both employers and employees. Individuals can hold on to their pay stubs for record purposes. While reviewing a payslip, they can verify if the amounts mentioned are in fact correct. Paycheck stubs are also used as proof of income or employment. We will be discussing this and the check stub maker further below.

Employers however will need pay stubs to settle any issues with their employees and ensure there are no discrepancies happening. Human resources and employers can also use pay stubs to fill in W2 forms come tax season.

As an individual, or employee you may be wondering why else you need your paystub? Does it come in handy in your day to day life? Long story short, Yes! Absolutely it does. Here are just a few instances below where you will need to show your paystub or prove your income.

a man's palm holding a pile of money


When you apply for a loan be it a personal loan or auto loan. Your acceptance or rejection will very largely depend on your paystub. The amount on it, the frequency and so on.


Your checkstub is also needed when you need to make large purchases such as a house or a condo. If you’re on a payroll you’ll most likely need to show a few recent pay stubs and W2 forms. If on the other hand you are self employed your tax returns could work or you can try out our paystub maker.


You found the perfect apartment after months of looking on zillow, zumper and other rental sites. Renting an apartment also requires a few of your recent check stubs to be presented as well as a few other of your personal documents.

a woman's palm holding a paper house


Check stubs come in handy in the event that you suffer an injury and need to file for workers compensation. Workers’ compensation laws were made to protect the vulnerable, not abuse them. These laws however do vary by state. Your pay stubs verify how much you would have been making had you not had the unfortunate accident.


To properly file your tax return for the year, you need to have all your paycheck stubs in place. Here is some side information, an added bonus if you will. If you have misplaced any of your previous paystubs, you can use your last or most recent paystub to file your taxes.

a palm
                                 holding a pile of money and another one holding a paper house

These are just some of the day to day instances in our lives where one would need to show proof of income. Perhaps you could even use a paystub generator to help you out in your endeavours. It simply takes a few minutes and you’d be on your way.

How Do I Get A Pay Stub?

There are many ways to get pay stubs online or in hard copy. Remember that not every state mandates employers to send out pay stubs to their employees, sometimes, you’re on your own. Browse through the options below and choose the option that best suits you to get your paycheck stub or you could always opt for a paystub creator.

Direct deposit

Instead of getting physical paycheck stubs or pay stubs online, one can opt for getting paid through a direct deposit method. This is a convenient & easy process. All you need to do is inform your employer of your bank information and just like that, your pay gets deposited into your account. You can watch more about how to get your payments through direct deposit. However, do keep in mind that using this method won’t allow you to have actual proof of income in hand.

Check stub maker

Using a check stub maker or a paystub generator to create pay stubs online is the revolutionary new way to prove your income on the go! It takes about a few minutes to select a pay stub template, insert your information and your legit check stub maker creates your pay stub for you. Using a paystub creator helps you verify your calculations and ensure you have proof of income on hand.

Previous employer

If you have recently switched jobs or work several jobs and side gigs, you need to get all of your pay stubs. Going through your previous employer to get a pay stub is always a good option. However, you do need to understand the state laws in which you reside. Uncomplicate things for yourself and get the guide here!

What Are Pay Stub Deduction Codes?

Learning to read and understand your pay stub document is a game changer. First off, it helps you get financially literate and aids in your personal growth. Not just that, a paycheck stub is a way to double check your income and your deductions. It also serves as an earnings benchmark.

It is commonly acknowledged that tax season is confusing and stressful and so are the documents that come with it. Pay stubs are useful to have, save, and understand. Some abbreviations could cause greater confusion for the average Joe. YTD for instance is an acronym you will most certainly find on your paystub document. What does it mean and why is it important? Find out more about YTD here!

YTD is just one of the many perplexing abbreviations on your pay stub. Don’t let them frighten you or make you think that you need to be an accountant or a tax genius to understand these documents. We can help you uncomplicate things so you can master your finances! Below are some of the common deduction codes found on your pay stub;

  • FED TAX - Federal Income Tax Withheld
  • STATE TX - State Income Tax Withheld
  • MEDICARE - Federal Medicare Withheld
  • ERA - Educational Retirement Act Contributions
  • FICA - Employees portion of paid Social Security

Get the full guide to pay stub deduction codes so you can decipher a paystub in minutes and even help out some of your friends and colleagues. It’s not so bad when you get to gloat about your financial knowledge.

How Long Do I Keep Paystubs?

Financial documents are not to be played with. Our financial lives get more and more complicated as we grow older and delve into new chapters of our lives. How does one figure out what documents to keep and for how long?

For some documents, it makes sense to hold on to them while others, maybe not so much. Let’s take your annual tax return, for instance, this should be filed and stored in a safe place. This rationale comes from the fact that the IRS can conduct a surprise audit if your income was under-reported for any reason. Such documents can come in handy and can save you in unprecedented times.

Knowing that, it is no excuse for hoarding your documents either. Paystub documents are needed on so many occasions, for example, to prove your income or get a loan, etc. In a nutshell, it can be hard to determine how long to keep your paycheck stubs for, but one thing is for certain. Keep your pay stubs until you can at the very least verify the accuracy of the information on your W2 form.

Securing important documents

Tax documents and our financial information are important and valuable. If misplaced or lost or worse, things can wreak havoc on you. Always make it a habit to safeguard your information and important documents. Using a paystub maker can remove half of these worries for you.

If you keep hard copies of your documents, designate a safe space for them away from damage or the possibility of theft. If however, you tend to keep your pay stubs online, make sure to backup and archive all necessary documents to avoid facepalming yourself later. Don’t forget to safely shred documents that you want to dispose of. This prevents the possibility of fraud, scams, and identity theft.

A recent study found that 80% of Americans are in debt and have a large possibility of rejection at the bank. This is a large number and can truly be halved if people were more understanding of their financial capabilities. We tend to ask for large loans quicker than we evaluate our financial status. It is getting quite hard to acquire a loan without the necessary documents and well written letters. Read on to find out how a check stub maker can save you at a time like this.

When applying for a loan, a lender goes through the process of evaluating a candidate’s ability to pay back the loan desired no matter the amount. To understand and evaluate your situation they usually ask for your check stubs.

The reason why they ask for your paystubs is to be able to understand your financial situation such as how much you get paid and how often. Using these check stubs will help lenders and banks verify your financial situation and get you a quick approval! Sometimes it may get a little more complicated than that depending on where and how you work.

If you are one of those people that do not store their paycheck stubs, then you’re in trouble. How will you prove your income and get that loan for your new car? How will banks be able to verify your income and grant you that car loan? Well, it’s not that bleak, we’ve got the answer for you. Using a paystub generator will help you create pay stubs online. You can either create pay stubs online and save them or print them and have them ready as hard copies.

As long as you enter the correct information on your pay stub template of choice, then you have nothing to worry about and you can create a paystub or two or three or even more. Now that you’ve used the paystub maker to solve that problem, let’s move on to the next.

How do you come about writing a well articulated proof of income letter to rent that perfect apartment of your dreams? This is a tricky one as there’s a lot of competition out there and your letter could make all the difference and even give you a competitive edge. Follow these steps to ensure that you have the perfect proof of income letter for apartments!

What Is The Difference Between Real And Fake Pay Stubs?

When seeking credit or loans, having a paystub on hand is required. Many receive pay stubs from their employees, others need to create one. Using our paystub generator puts you right on top with the elites as not all paystub maker platforms were created equal. Our paystub creator is genuine, authentic and quite user friendly. With a small fee, you can create a paystub and get marching with confidence and no further delays.

Unfortunately, there are many platforms out there that claim to be genuine, copying real pay stubs, charging a small fee and insisting that their service is real. Be cautious when choosing a check stub maker. Fake pay stubs and pay stub generators are becoming more and more common. How can one identify fake from real pay stubs anyway? That is the right question to ask.

According to recent studies,many incomes reported and pay stubs filed turned out to be fake and the government is now honing down on these individuals and organizations. Instances such as unemployed people creating fake pay stubs or fake sources of income are on the rise. Filling in false information and showing it as proof. This is all to get a loan to secure an apartment or purchase a house or a vehicle. As tempting as this sounds it’s not worth going through with it.

Creating a fake document and sending it through to the government can get you in big trouble. If you’re still wondering if it’s illegal to make fake paystubs, then stop right here! It’s truly not worth the trouble. If or should I say when you get caught, there are many repercussions. Here’s a list of some of the problems you could face below.

  • Your credit line would be declined
  • Your job could be at stake
  • You could be charged with fraud or federal felony
  • You could face serious penalties of up to 1 million dollars
  • You could face jail time of up to 5 years!

Worried yet? Well you should be! Honesty is truly the best policy especially when it comes to government matters. You could be honest and settle for a much smaller loan than risk losing everything. It’s always best to stay away from shady activity and illegitimate paystub generator platforms. If those companies get caught, you could also be charged as an accomplice. Save yourself the headache and go with a well trusted company that verifies and calculates the necessary details. Use a well trusted and reviewed paystub maker.

How Do I Show Proof Of Income?

It’s hard enough to start a business from scratch let alone be a self employed entrepreneur. There’s so much to handle and so much to consider. Proof of income is just one of the many issues. How can a self employed individual show proof of income or their pay stubs?

You can partially find the answer in your previous tax returns. Going through your tax returns can help you determine your income at a given period of time. This process however, does have a downside to the self employed individuals, wherein, certain small projects or off the books income may not have been recorded and this may not depict the full story of your income during that period. Keep in mind that independent contractors are self employed and receive a 1099 misc form.

Another option could be using your bank account to calculate exactly how much your income was at a set period of time. This technique could also have its drawback especially if your account is not split between your personal and business accounts. Read more about proving your income as a self employed individual or contractor.

Based on a recent US study, there are more than 3.5 million truck drivers in the United States. Fun fact, Texas holds 172,000 of them and California comes in second. This means that a large percentage of drivers are considered self employed. Truck drivers are not often aware of the importance of keeping their pay stubs safely and may discard them. Well this is a reminder or a wake up call to safeguard your pay stubs for tax time and for other credit sources. Read more about why truck drivers need to keep their check stubs safe!

a blue sack containing money

How Do Small & Medium Sized Businesses Manage The Payroll Of Employees?

Most small and medium sized businesses struggle with time management to juggle several very important tasks everyday. SME employees usually wear a lot of hats to get things done. Some of the many things they need to worry about include but are not limited to;

  • Attracting new business
  • Retaining customers
  • Maintaining a cash flow & profitability
  • Processing & record keeping data

The Fair Labor Standards Act states a set of guidelines for companies to document payroll including tips on how to safekeep them for a period of time. The IRS however have slightly more rigorous standards to retain the necessary information for a period of four years.

Payroll records take up a lot of employee’s time. Filling in the information, printing them and sending them out to the concerned individuals. That time could be better spent elsewhere doing other things to generate revenue for the company. A lot of the traditional bookkeeping and record keeping methods have become outdated and replaced by digital and more practical processes such as the check stub maker.

As SMEs struggle to survive and grow, ThePaystubs’ paystub generator can help SMEs by offering an all american paystub portal that is tailored to suit their needs. With the check stub maker, you can send your employees their paycheck stubs and you can both keep digital copies. Since you have the ability to create pay stubs online, you can efficiently and effectively use your time better. Find out more of why a paystub portal is a growing business’ best friend.

What Are The Benefits Of Using Electronic Pay Stubs?

Standardizing and moving your workflow towards a digitized scene is probably the best thing you can do for your business. Needless to say, this step helps the environment and saves tons of paper and trees making your company a little more eco-friendly. Creating paystubs online can help save employees’ time as well as reduce storage of endless papers, files and folders.

A few things to keep in mind if you’ve made the decision to move to a more digital and streamlined process. Using a paystub maker to create check stubs is awesome but do make sure you comply with your state rules and regulations. You need to keep in mind that

  • Not all states require you to print out pay stubs for your employees
  • Some states are not pro E-stub (unfortunately)
  • All the necessary information is present regardless of the method you choose

Using a paystub generator to create an electronic paystub is probably the best solution for your business. Before you take that leap though, do your research and be aware of the legal troubles that you need to avoid with electronic paystubs. Otherwise, bask in the glory of an online paystub generator and spend your free time doing other things you and your employees love. Using a paystub maker gives you the gift of time.

money back guarantee
100% Security
Satisfaction Guaranteed
Gold stars

Great Service

First time creating a stub. Customer support was AMAZING. I had a few self-induced issues and customer support was there from start to end.

Brandon Wilson