Free Online Paystub Generator - Generate Accurate Paystubs Instantly
Create accurate 2025/2026 pay stubs in minutes with automated federal, state, and FICA estimates. Review updated IRS brackets and standard deductions, then download printable paystubs with no signup.
A: Employer & Employee Details
B: Deductions
| Description | Current |
Previous YTD
| YTD |
|---|---|---|---|
| B1: Federal Income Tax | |||
| B2: State Income Tax | |||
| B3: City Tax | |||
| B4: SUI/SDI Tax | |||
| B5: Social Security | |||
| B6: Medicare | |||
| B6A: Additional Medicare Tax | |||
| ▼ Other Deductions | |||
| B7: Bond | |||
| B8: 401(k) | |||
| B9: Stock Plan | |||
| B10: Life Insurance | |||
| B11: Loan | |||
| B12: Total Deductions | |||
| NET PAY | |||
| Total | |||
C: Earnings
| Earning | Rate | Hrs | Current |
Previous YTD
| YTD |
|---|---|---|---|---|---|
| C1: Regular | |||||
| C2: Overtime | |||||
| C3: Holiday | |||||
| C4: Bonus | |||||
| C5: Commission | |||||
| C6: Total Earnings | |||||
| C12: Federal Wages This Period | |||||
| C13: Annual Gross Wages | |||||
| ▼ Other Benefits & Info (click to expand) | |||||
| Description | Current | Previous YTD | YTD | ||
| C7: Group Term Life | |||||
| C8: Outstanding Loan | |||||
| C9: Vac Hrs | |||||
| C10: Sick Hrs | |||||
| C11: Title | |||||
Classic Preview
|
ACME SUPPLIES CORP.
475 KNAPP AVENUE
ANYTOWN US 10101
Social Security Number: 999-99-9999
Taxable Marital Status: Married
|
Earnings Statement
Period ending: 7/18/2008
Pay date: 7/25/2008
Pay frequency: Bi-Weekly
JANE HARPER
101 MAIN STREET
ANYTOWN US 12345
|
| Earnings | rate | hours | this period | year to date |
|---|---|---|---|---|
| Regular | 10.00 | 32.00 | 320.00 | 16,640.00 |
| Overtime | 15.00 | 1.00 | 15.00 | 780.00 |
| Holiday | 10.00 | 8.00 | 80.00 | 4,160.00 |
| Bonus | 37.43* | — | 1,946.80 | — |
| Commission | 37.43* | — | 1,946.80 | — |
| Gross Pay | 452.43 | 23,526.80 | ||
|
Deductions
|
Other Benefits and Information
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Payroll check number: | 000000000 |
| Pay date: | 7/25/2008 |
| Social Security No.: | 999-99-9999 |
Print Rules (Modern): In the browser print dialog choose “Margins: Minimum” and keep “Background graphics” ON.
Print Rules (Classic): Use “Margins: Default/Normal” and keep “Background graphics” ON.
Free Paystub Generator for Federal + All 50 States
This free pay stub generator helps you create a clean earnings statement using a fast, accurate paystub generator workflow for US payroll. Use it as a paycheck stub generator or check stub maker to preview gross to net results, including federal withholding, FICA, and state payroll taxes. The calculator is designed to support practical estimates for the 2024, 2025, and 2026 tax years without changing your existing workflow.
Whether you need a paycheck calculator for hourly or salary pay, this tool keeps the process simple and mobile-friendly. Enter your wages, deductions, and pay period details to see a clear breakdown of gross to net, plus an easy way to review federal withholding and state payroll taxes at a glance. State links below are provided for convenience and redirect back to this main calculator.
Instructions for Federal + All 50 States
Follow the steps below to generate a clean paystub preview tailored to your pay period and withholdings.
50-State Paystub Links
Step-by-Step Instructions
- Enter your employer, employee, and pay period details.
- Add hours, rates, salary, and any bonuses or commissions.
- Review deductions for federal withholding, FICA, and state payroll taxes.
- Confirm gross to net totals and preview your paystub.
- Print or download your stub for your records.
Frequently Asked Questions
Is this generator truly free to use?
Absolutely. This is a 100% free tool for small business owners, freelancers, and contractors. You can generate, preview, and print as many paystubs as you need without creating an account or paying a fee.
How are the tax deductions calculated?
The calculator uses the latest 2024-2026 IRS tax tables and state-specific data. It automatically estimates Federal Income Tax, Social Security, and Medicare based on the gross wages and filing status you provide.
What is YTD and how is it handled?
YTD (Year-to-Date) represents total earnings and deductions accumulated from the start of the year. Our tool allows you to manually enter "Previous YTD" values to ensure your current paystub displays accurate, cumulative totals.
Why only enter the last 4 digits of the SSN?
For privacy, full SSNs are rarely printed on stubs. Entering only the last 4 digits is a standard security practice that protects the employee's identity while still providing necessary identification on the document.
Is my sensitive information stored?
No. Your privacy is our priority. All data entry and calculations happen locally in your web browser. We do not store EINs, SSNs, or salary details on our servers.
Can I add my company logo to the stub?
Yes! Use the "Employer Logo Upload" field in Section A. Our tool will integrate your logo into both the Classic and Modern templates for a fully professional, branded look.
Does this tool support all 50 U.S. States?
Yes. You can select any U.S. state. The generator recognizes state-specific income tax variations and SUI/SDI requirements, ensuring your paycheck estimate is localized to your specific region.
Classic vs. Modern styles?
The Classic style mimics traditional payroll checks used by large corporations. The Modern style features a sleek, high-contrast layout that is highly readable and optimized for digital sharing.
How Payroll Taxes Work
Understanding the difference between income tax and social insurance is key to managing your finances or business payroll effectively.
FICA Social Security & Medicare
Under the Federal Insurance Contributions Act (FICA), taxes are split between employees and employers to fund social safety nets.
- Social Security (OASDI): Both parties pay 6.2% of gross wages up to the annual wage base limit.
- Medicare: Both parties pay 1.45%. High earners may trigger an Additional Medicare Tax of 0.9% on income exceeding $200,000.
SECA Self-Employment Tax
For freelancers and contractors, there is no employer to split the bill. This is governed by the Self-Employment Contributions Act (SECA).
Self-employed individuals pay the full 15.3% (combining both employer and employee portions). However, the IRS allows a deduction of the "employer-equivalent" portion when calculating Adjusted Gross Income (AGI).
Employer-Only Obligations
Beyond FICA, employers alone are responsible for Federal (FUTA) and State (SUI) Unemployment Taxes. These funds provide temporary income for displaced workers. Because these are employer-only costs, they do not appear as deductions on a standard employee paystub, though they are a significant part of the total "cost of hire" for a business.
Estimates for preview purposes. Verify with IRS/state agency.
Disclaimer: This calculator is designed to provide 2024-2026 tax estimates based on the information you provide. These results are for educational and illustrative purposes only and do not constitute professional tax, legal, or financial advice. Tax laws are subject to change; please consult with a certified tax professional or accountant before making financial decisions.