About PayStubSmart

Who runs this site

PayStubSmart is an independent online tool published at paystubsmart.com. It is not affiliated with, endorsed by, or connected to the IRS, the Social Security Administration, any state tax agency, any employer, or any payroll company. We are not a payroll service, a law firm, or a CPA firm, and we do not file anything with any government agency.

You can reach the people behind the site at paystubsmart@gmail.com. We read every message and usually reply within 2 business days.

What the tool does

The free paystub generator on our homepage helps small employers, household employers, and self-employed people put wages they actually paid or earned into a clear, printable pay stub. It shows gross pay, estimated federal income tax, Social Security, Medicare, deductions, and net pay, with a live preview that updates as you type. There is also a take-home pay calculator for a quick estimate before you build a stub.

Both tools run in your browser. Stub and paycheck details are not sent to our server, and there is no account to create. The generator is free; see pricing for the details.

How we keep the numbers accurate

Pay stubs deal with money and taxes, so we hold ourselves to a simple standard: show the math, cite the source, and label estimates as estimates.

Sources we use

• Federal income tax brackets and standard deductions for 2026 from IRS Revenue Procedure 2025-32.
• The 2026 Social Security wage base of $184,500 and the 6.2% employee rate, as announced by the Social Security Administration.
• The 1.45% Medicare rate and the 0.9% Additional Medicare Tax from IRS guidance.

What we do not claim

Our federal figure is a simplified annualized estimate. It is not the official withholding method in IRS Publication 15-T, and we do not apply state withholding tables. You enter state tax yourself, except in listed states with no general wage income tax. The full breakdown is in how our numbers work.

Updates and corrections

We review the tax figures each year when the IRS and the Social Security Administration publish new numbers, usually in October and November, and we update the tools for the new year. If you spot an error, email paystubsmart@gmail.com with the page and the figure. We check every report, fix confirmed mistakes, and update the page date.

Comparisons and guides

When we compare other pay stub generators, we use what their public pages say on the date we checked and we show that date. Nobody pays to be included or ranked. Our guides list their sources and the date they were last reviewed.

What we will not do

• Show star ratings, testimonials, or customer counts we cannot back up.
• List a street address, phone number, or team member that does not exist.
• Call a generated stub an official tax form, or promise that a lender or landlord will accept it.
• Hide a fee behind a blurred preview.

Our position on misuse

A pay stub that describes real wages can be a lawful record. A pay stub that invents or inflates income to deceive a lender, landlord, government agency, or anyone else can be fraud, and that use is prohibited. Please read the disclaimer and terms of use before you use the tool.

Contact

Questions, corrections, or privacy requests: paystubsmart@gmail.com, or visit the contact page.

Last updated: November 12, 2026.