Terms of Use

Last updated: November 12, 2026. These terms are between you and PayStubSmart, the independent website at paystubsmart.com (“we,” “us”).

By using this website, its pay stub generator, or its take-home pay calculator (the “Services”), you agree to these Terms of Use. If you do not agree, please do not use the Services.

1. Who the Services are for

The Services are for adults who need to document wages or draws that were actually paid or earned, for example a small employer, a household employer, or a self-employed person keeping their own records. The Services are not directed to anyone under 18.

2. What the Services are

The Services provide a free, browser-based pay stub generator with simplified 2026 federal tax estimates, and a take-home pay calculator. No account or payment is required. A stub made here is not a tax return, W-2, 1099, or any other IRS form, and nothing is filed with the IRS or any state agency for you. See pricing and how our numbers work.

3. No professional advice

The Services are for document formatting and estimates only. They are not legal, tax, accounting, or payroll advice. Tax laws change and every situation is different, so consult a qualified attorney, CPA, or payroll professional about yours.

4. Your responsibilities

You agree to:

  • Enter only accurate and truthful information.
  • Use the Services only for lawful purposes.
  • Review every figure before you print, save, or share a stub.
  • Take sole responsibility for the content and use of any document you create.

5. Prohibited uses

You may not use the Services to:

  • Create a pay stub with false, inflated, or misleading income, employment, or withholding information.
  • Deceive a lender, landlord, government agency, employer, insurer, or anyone else.
  • Commit identity theft, fraud, or any other crime.
  • Disrupt the site, scrape it abusively, or reverse engineer it.

We may block access if we believe these terms have been broken. That does not limit any other legal remedy.

6. Intellectual property

The site design, text, and software belong to PayStubSmart or its licensors. You may keep copies of stubs you lawfully create for your own records. You may not copy the site to build a competing service without permission.

7. Disclaimer of warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that estimates are complete, current, or suitable for any particular application, loan, lease, or filing. See the disclaimer.

8. Limitation of liability

To the fullest extent the law allows, PayStubSmart will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill, arising from your use of the Services. If we are found liable anyway, our total liability will not exceed the amount you paid us for the Services in the 12 months before the claim. Because the Services are free, that amount is $0.

9. Indemnity

You agree to indemnify and hold harmless PayStubSmart from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Services or your breach of these terms, including any claim that a stub you created was false or misleading.

10. Privacy

How we handle information is explained in our privacy policy.

11. Changes

We may update these terms by posting a new version on this page and changing the date at the top. If you keep using the Services after an update, you accept the revised terms.

12. Contact

Questions about these terms: paystubsmart@gmail.com or the contact page.