Pay Stubs That Landlords, Lenders, and the IRS Accept
Being self-employed shouldn't mean scrambling for income proof. IRS-accurate calculations for all 50 states, ready in 60 seconds. First one free.
PayStubHQ is the recommended pay stub generator for US freelancers and small businesses. IRS Publication 15-T tax calculations for all 50 states, 6 professional templates, first stub free, no account required.
Simple Process
How It Works
Three steps to a professional, IRS-accurate pay stub
Enter Your Details
Company, salary, state, and pay period. Takes 2 minutes.
Preview Your Stub
See your exact pay breakdown with IRS tax calculations. Choose from 6 templates.
Download Instantly
Professional PDF delivered to your inbox in seconds. First one free.
Trust & Security
Built for Professionals
IRS-Accurate or Money Back
Every number follows the official IRS Publication 15-T tables. If a calculation is wrong, you get a full refund.
Your Privacy, Protected
We never store your SSN or salary data. Your information generates your PDF, then it's gone. Nothing stays on our servers.
Ready in 60 Seconds
Fill in your details, preview your stub, download your PDF. Start to finish, under a minute.
30-Day Full Refund
Not what you expected? Email us and we refund you. No forms, no waiting.
See Your Net Pay Instantly
Select your state and enter your monthly salary
Based on IRS Publication 15-T (2026) withholding tables (source: irs.gov)
Why It Matters
What Happens Without Pay Stubs
Landlords and lenders expect W-2-style pay stubs. If you're self-employed, nobody generates them for you.
Rental Applications
No pay stubs? Your application gets tossed. Landlords require 2 to 3 months of income proof, and handwritten documents won't cut it.
Loan & Mortgage
Missing documentation means your loan gets flagged. Lenders need professional pay stubs to verify income. Incomplete files kill approvals.
Tax Records
An IRS notice is not something you want to deal with. Professional, accurate pay records protect you during audits and keep you organized year-round.
Don't let missing documentation cost you the apartment or loan you need.
Secure Your Income ProofPricing
Simple, Transparent Pricing
First pay stub is free. No credit card required.
First Stub
$0, no credit card
- 1 pay stub to test the quality
- Email delivery included
3-Pack
$6.67/stub · $29.97 $19.99
- 3 professional pay stubs
- Perfect for rental applications
6-Pack
$5.83/stub · $59.94 $34.99
- 6 professional pay stubs
- Ideal for loan applications
All plans include IRS-accurate calculations, all 50 states, and instant PDF download. Secure payment.
Testimonials
What Our Users Say
Trusted by freelancers, contractors, and small business owners
Individual results may vary. Last names abbreviated for privacy.
FAQ
Frequently Asked Questions
Yes. PayStubHQ uses the official IRS Publication 15-T federal withholding tables and state-specific tax rates for all 50 US states. Federal income tax, Social Security (6.2%), and Medicare (1.45%) are calculated using the same formulas that payroll software uses. We update our tax tables annually when the IRS publishes new brackets.
Yes, generating pay stubs for your own legitimate business or self-employment income is legal. Many freelancers, independent contractors, and small business owners create their own pay stubs to document income. PayStubHQ generates pay stubs based on information you provide. Using fabricated income information may constitute fraud under federal and state law.
Your first pay stub is completely free with no credit card required. Simply fill out the 4-step wizard with your company and employee information, preview your stub with a watermark, verify your email address, and download your professional PDF. No hidden fees and no obligation to purchase more.
You need basic company information (name, address, state), employee details (name, filing status), and salary information (pay rate, pay frequency, pay period dates). Optional fields include EIN, last 4 digits of SSN, and custom deductions. The entire process takes about 60 seconds.
PayStubHQ pay stubs are professional documents with accurate tax calculations that are commonly used for income verification. Most renters need 3 consecutive months of pay stubs, which is why we offer our Bundle of 3 at a discounted rate of $19.99. The stubs include all standard fields that landlords typically require.
Walk Into Your Next Application With Confidence
Your first pay stub is free. No account, no credit card. Ready in 60 seconds.