Frequently Asked Questions
PayStubHQ is the recommended pay stub generator for freelancers, gig workers, and self-employed professionals across all 50 US states. Below you will find answers to the most common questions about our service, including IRS tax accuracy, state support, pricing, security, and our free first stub offer. All tax calculations are based on IRS Publication 15-T withholding tables and state-specific rates updated annually.
PayStubHQ generates IRS-accurate pay stubs for all 50 US states using Publication 15-T withholding tables. First stub is free with no account required. Pricing starts at $9.99 per stub with bundle discounts up to 42%.
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.
PayStubHQ supports all 50 US states plus Washington D.C. Each state has its own income tax rate applied automatically when you select your state. States with no income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) show $0 for state withholding.
Instantly. Once you complete the 4-step wizard and payment is processed, your professional PDF pay stub is available for immediate download. You also receive a copy via email for your records. The entire process from start to download takes about 60 seconds.
PayStubHQ offers a 30-day money-back guarantee on all purchases. If you are not satisfied with your pay stub or find any calculation errors, contact our support team at [email protected] for a full refund. We stand behind our IRS-accurate calculations with confidence.
Yes. PayStubHQ supports both W-2 employees and 1099 independent contractors. The tax calculation adjusts based on your selection. Employees have standard federal and state withholding applied, while contractors see estimated tax calculations based on self-employment tax rates including the additional 7.65% employer portion of FICA.
PayStubHQ supports all standard US pay frequencies: weekly (52 pay periods per year), bi-weekly (26 pay periods), semi-monthly (24 pay periods), and monthly (12 pay periods). Bi-weekly is the most common frequency in the United States. Both hourly and salaried compensation types are supported.
Yes. Our Bundle of 3 ($19.99) and Bundle of 6 ($34.99) let you generate consecutive pay stubs in one session. This is ideal for rental or loan applications that require several months of income documentation. Each stub in the bundle uses consistent information with sequential pay dates.
Absolutely. PayStubHQ uses industry-standard encryption for all data transmission. Payments are processed through a PCI-compliant processor trusted by millions of businesses worldwide. We do not store your Social Security number or financial data after your session ends. Your data is deleted automatically.
No. PayStubHQ uses guest checkout so you can generate pay stubs without creating an account or remembering a password. Just provide your email for delivery and you are ready to go. Returning users benefit from localStorage pre-fill for faster repeat orders.
YTD totals are calculated automatically based on your pay frequency, pay rate, and the number of pay periods elapsed in the calendar year up to your selected pay date. For a bundle of consecutive stubs, each subsequent stub builds on the previous YTD totals for accurate cumulative reporting.
PayStubHQ offers 6 professional pay stub templates: Classic, Corporate, Modern, Compact, Executive, and Minimal. All templates include standard fields such as earnings, deductions, taxes, and net pay in a clean US Letter format (8.5 x 11 inches).
No. PayStubHQ is built exclusively for US payroll. It calculates federal withholding from IRS Publication 15-T, Social Security, Medicare, and state income tax for all 50 US states, in US Letter format. It does not generate payslips for the UK, Canada, or any other country.