Disclaimer

Not legal or tax advice

This website, the pay stub generator, and the take-home pay calculator are for general information and document formatting only. They are not legal advice, tax advice, accounting advice, or a payroll service. Nothing here creates an attorney-client, accountant-client, or fiduciary relationship. For advice about your situation, consult a qualified professional licensed where you live.

Independent and not affiliated

PayStubSmart is an independent website. It is not affiliated with, endorsed by, or connected to the IRS, the Social Security Administration, any state agency, any employer, or any payroll provider. Company and product names mentioned on this site, including in comparisons and guides, belong to their owners and are used only to identify them.

Not an official tax form

A stub you preview, print, or save here is not a Form W-2, Form 1099, tax return, or any other official government form. Nothing is sent to the IRS, the Social Security Administration, or any state tax agency on your behalf. Using this tool does not by itself meet an employer’s payroll recordkeeping, filing, or deposit obligations.

Estimates only

Federal income tax shown in the preview is a simplified annualized estimate that uses 2026 IRS inflation-adjusted brackets and standard deductions (IRS Rev. Proc. 2025-32). It is not the official percentage method in IRS Publication 15-T and will often differ from a payroll system’s withholding. Social Security is estimated at 6.2% up to the 2026 wage base of $184,500. Medicare is estimated at 1.45%, plus the 0.9% Additional Medicare Tax where the simplified annualization suggests it may apply. State income tax is either zero for states this tool treats as having no general wage income tax, or the amount you type. Verify every line against current law and your actual facts. See how our numbers work.

You are responsible for accuracy

You, not PayStubSmart, are solely responsible for the truth, completeness, and lawful use of any stub you create, print, save, or share. Check employer names, identification numbers, hours, rates, dates, deductions, and tax figures before you use the document.

Do not use this tool to commit fraud

It is prohibited to create or use a pay stub that is false, inflated, or misleading, including to:

• qualify for an apartment, mortgage, auto loan, or other credit you would not otherwise obtain;
• support a visa, benefits, insurance, or government application with untrue income;
• misrepresent employment or wages to a background screener, court, or employer.

Doing so can be a crime and can lead to denial of benefits, civil liability, and prosecution. This tool is only for documenting work that was actually paid or earned.

No warranty

The site is provided “as is.” We do not warrant that the preview, estimates, or templates are error-free, current, or accepted by any third party. Lenders, landlords, and others may reject a stub for any reason. Full terms are in our terms of use.

Contact

Questions: paystubsmart@gmail.com or the contact page.