How to Make a Pay Stub: Everything You Need to Know!

How to Make a Pay Stub in Minutes?
December 16, 2023
December 16, 2023
6 min read


Have you ever wondered how to make a simple pay stub? Or what goes into one? Whether you're an employer or an employee, it is good to understand how to make a simple pay stub. As an employer, a pay stub can help you keep better records and stay organized. As an employee, it can help you keep track of your net pay and deductions.

This review will cover everything you need to know about making a simple paycheck stub. You'll also understand the different types of information that should be included on a pay stub and what optional information may be helpful. Most importantly, you'll have the knowledge and confidence to create a pay stub that meets your and your employees' needs. Read on to learn more!

How to Make a Pay Stub

Pay Stubs Are Proof Of Income

A pay stub or an earnings statement shows your earnings for a specific pay period. The Fair Labor Standards Act (FLSA) requires employers to provide employees with a detailed pay stub each time they are paid.

Pay Stub Design & Components

The design of a pay stub will vary depending on the payroll software your employer uses. However, all pay stubs include specific information, such as your name, employer name and address, pay period, and total earnings.

Below are the essential components of a pay stub:

Gross pay

Gross pay is the total amount you earn before any taxes or deductions are taken. It is also sometimes referred to as "pre-tax income."

Net pay

Your net pay equals your total earnings minus all deductions, such as taxes and health insurance. It is the amount of money that you take home, or "take-home pay".

Read about the differences between Gross Pay vs Net Pay

Gross pay vs Net pay


Money that is withheld from your paycheck for taxes, Social Security, health insurance, or other things is a deduction.

Employee ID number

Employee ID

A unique identification number is assigned to you by your employer. It is used for payroll and tax purposes.

Social Security Number

Your Social Security number is a unique nine-digit number issued by the Social Security Administration. It is used to identify and track your earnings over your lifetime.

Back Pay

You may be entitled to back pay if you have been underpaid. It is the total amount you should have earned minus what you were paid.

Vacation Pay

If your employer offers vacation days, you may accrue vacation pay. This is the money you will be paid when you take vacation days. Like vacation pay, your employer may offer paid sick.

Use Of Pay Stubs

Can you create a Pay Stub for yourself

There are many uses for pay stubs, both for employers and employees. Self-employed individuals can also find them useful for bookkeeping and tax purposes.


An employer may use pay stubs to keep track of employee hours, calculate wages owed, and as a record of payment. They may also be used to document deductions for tax withholdings, benefits, or other items.


Employees can use their pay stubs to keep track of their income, deductions, and net pay. It can be helpful in budgeting or if there are any discrepancies with their paycheck. Pay stubs may also be required for proof of income when applying for loans or other assistance.

The W2 form is an annual statement that employees receive from their employers. It details the employee's gross pay, taxes withheld, and other deductions. The W2 form is used to file taxes. The W2 form can also be used for proof of income.

Self-Employed Individuals

Entrepreneurs, contractors, and other self-employed individuals also need to keep track of their gross and net income. They can do this by creating their own pay stubs, as there is no employer to do it for them.

Many software programs and online services allow users to create and print pay stubs. Some employers may also provide employees with electronic pay stubs. These can be accessed through an employer's website or portal.

When Do You Use Pay Stubs?

Why use a Pay Stub Generator

Paystubs are used in various situations to document an employee's income. Listed below are typical examples of when you would need to provide your paystub:

  1. Mortgage or Loan Application: Lenders will often request to see proof of income in the form of a paystub to determine your loan eligibility. You may need to provide bank statements in addition to your pay stub, as some lenders require a more detailed overview of your financial situation.

  2. Rental Application: Landlords often ask for income proof through a pay stub when applying for a rental property. It ensures that you can make rent payments on time and in full.

  3. Taxes: The Internal Revenue Service (IRS) requires that all employers provide their employees with a W-2 form, which details an individual's annual wages and taxes withheld. An employee's pay stub can be used to verify the information on their W-2.

  4. Insurance Application: When applying for health, life, or disability insurance, you may be asked to provide proof of income via a pay stub. It helps insurers determine monthly premium rates.

As you can see, there are many situations where you may be required to provide your pay stub as proof of income. It is essential to keep accurate records of your earnings and to hold onto your pay stubs in case you need them for future reference.

What Is Online Pay Stub Generator?

A paystub generator or check stub maker is a tool that allows employers to create pay stubs online for their employees. The pay stub maker is simple and only requires the employer to input the necessary information about their business and the employees.

Once the information is entered, the pay stub generator will create a professional pay stub that can be downloaded, printed, and distributed to your employees. When you create pay stubs online using the pay stub generator, you can create as many pay stubs as you need in just minutes.

Online pay stub generators offer numerous templates that you can use to create a pay stub. You can customize the template with your company logo, business name, and contact information. You can also add other details such as the employee's name, Social Security number, job title, and compensation.

Best Pay Stub Generator

Real Check Stubs is an online pay stub generator that can create customized and professional-looking pay stubs in minutes. Not only is it one of the most user-friendly options on the market, but it also offers a wide range of features that make it perfect for businesses of all sizes. It is the best choice for creating pay stubs.

One thing that sets Real Check Stubs apart is its ability to generate digital and printable pay stubs. This means you can use the service regardless of whether you need paper copies.

Another great feature of Real Check Stubs is that it offers a wide range of customization options. For example, you can add your company logo and select a font and color scheme, making it easy to match your brand identity.

Finally, Real Check Stubs offers an affordable pricing structure for small businesses. It is a cost-effective solution for companies that don't need to generate many pay stubs regularly.

If you're looking for an easy-to-use and feature-rich pay stub generator, then Real Check Stubs­ is the perfect choice for you.

Advantages Of Online Paystub Generator

Advantages Of Online Paystub Generator

Using a pay stub maker has many advantages. Below is a detailed explanation of the benefits of using an online pay stub generator.

Guide on how to make a paystub


The most significant advantage of using a paycheck stub generator is that it saves time. Calculating pay stubs manually can be very time-consuming. With a paycheck generator, this takes just a few minutes. All you need to do is enter the correct information, and the pay stub will be generated instantly.


Another important perk of utilizing an online check stub generator is that it eliminates errors. There is always the risk of making mistakes with manual calculation. However, when you use a pay stub maker, all the calculations are done automatically, with zero probability of errors.


The accuracy of a pay stub is essential to both the employer and the employee. With the help of a pay stub maker, you can be sure that all the information is accurate. The pay stub generator uses the latest technology and algorithms to calculate the pay stub.

Decimals, fractions, and other mathematical calculations are done with great precision, so you can be confident that the information on the pay stub is 100% accurate.

Easy to Use

Another perk of using an online stub generator is that it is straightforward. Even if you have never used such a tool, you can generate your pay stub without a problem. The user-friendly interface of the pay stub maker makes it extremely easy to use. You just need to enter the required information, and the pay stub generator will take care of the rest.

Free from Paperwork

When you use the pay stub generator, you get both digital and physical copies of the pay stub. You can print the stub for your employee and/or save the digital copy on your computer and then email it to your employee. This way, you will not have to use a single sheet of paper.


When you use an online pay stub generator, your data is stored securely on the server. Physical pay stubs are often lost or damaged. However, with a digital pay stub, you can be sure that your data is safe, secure, and retrievable.

Real Check Stubs offers its customers a resend feature, so you can easily retrieve it from the server, even if you misplace it.


It is very convenient to use an online pay stub generator. You can generate your pay stub from anywhere worldwide, as long as you have an internet connection. All you need is a computer or laptop and an internet connection, and you can generate your pay stub in just a few minutes.


It is very affordable to use an online pay stub generator. Most pay stub makers offer their services at a very reasonable price.

Moreover, you can generate as many pay stubs as you want without extra charges. It is not the case with physical pay stubs, where you have to hire a professional to generate them, which can be pretty expensive.

Identifying Fake Pay Stubs

Spot Fake Pay Stubs

Fake pay stubs are unfortunately becoming more and more common. While there are several ways to create a fake pay stub, there are also several ways that you can identify one. Here are some tips on how to identify fake pay stubs:

1. Check the template

The pay stub may be fake if it is not on a standard template. Be especially wary of templates that look like they were not created by a professional or have not followed the proper formatting.

2. Check the layout and design

A fake pay stub may have incorrect or missing information in the layout. For instance, the dates may be wrong, or there may be missing fields. Additionally, the design may be off, with incorrect logos or watermarks.

3. Check the contact information

The pay stub should have the company's name, address, and phone number. If this information is not included, or if the information is fake, then the pay stub is likely fake.

4. Check the payment amount

The payment amount on the pay stub should match up with the employee's records. If there is a discrepancy, then the pay stub may be fake.

5. Check the tax withholdings

The amount of money withheld from an employee's paycheck should be consistent from pay period to pay period. If there is a sudden change in the amount of money being withheld, it could be a sign that the pay stub is fake.

If you suspect a pay stub is fake, it is essential to contact the company and confirm the document's validity. Fake pay stubs can be used for identity theft and other fraudulent activities, so it is vital to be vigilant in identifying them.

6. Round off numbers

When all the figures in the stub are rounded off to the nearest hundred, that can signify that the stub has been tampered with. Employees do not have the same monthly salary, and companies don't use rounded numbers on their documents.

Repercussions of Using a Fake Pay Stub

There can be many repercussions for using a fake pay stub. The situations may vary depending on why the fake stub was used and for what purpose. Here are some potential consequences:

1. Fraud

Using a fake pay stub to commit fraud is a severe offense. It could include using the stub to apply for a loan or credit card, rent an apartment, or make any other financial transaction. If caught, you could be facing jail time and hefty fines.

2. Identity Theft

If your personal information is on a fake pay stub, it could be used to steal your identity. It could lead to fraudulent charges in your name, and you may have difficulty clearing your name.

3. Job loss

Being an employee who uses a fake pay stub could result in losing your job if your employer catches on. Lying on your application or resume is grounds for dismissal.

4. Criminal Charges

Using a fake pay stub is a crime in many states. If caught, you could face misdemeanor or felony charges, depending on the severity of the offense. You could also end up owing a hefty fine of around $1 million. A 5-year jail sentence is also possible if you're convicted of this crime.

5. Loss of Benefits

If you're caught using a fake pay stub to get health insurance, you could lose your benefits. The same goes for other benefits like housing subsidies or food stamps. If caught, you could be required to pay back any money you received from these programs.

Why Real Check Stubs is the Best Paystub Generator

Why Real Check Stubs is the Best Paystub Generator

If you're looking for a paystub generator, you'll want one that is reliable and easy to use. Real Check Stubs is among the best in the business. Here's why:

  1. Real Check Stubs offers a wide range of customization options. You can create paystubs for hourly or salaried employees, with or without deductions. You can also add your company logo and choose from a variety of templates.

  2. This generator is simple and user-friendly. Just enter your information and hit "generate." The paystub will be ready in seconds.

  3. Many satisfied customers attest to the quality of Real Check Stubs. Just read the testimonials on the website.

  4. The price is unbeatable. You can get started at the lowest costs per month. There are no hidden fees or long-term contracts.

  5. Customer support is excellent. If you have any questions or problems, just contact customer service, and they will surely help you.

  6. Real Check Stubs is the way to go if you're looking for a quality paystub generator. Its user-friendly interface, wide range of customization options, and low price make it the perfect solution for your business needs.

Type Of Pay Stubs Available At Real Check Stubs

The type of pay stubs that you will get from the Real Check Stubs website include:

Type Of Pay Stubs Available At Real Check Stubs

Quarter Page

The quarter-page-sized stub is excellent for those who want a small and convenient way to keep track of their earnings. The stub includes all pertinent information, such as your name, social security number, address, employer, position, pay rate, hours worked, and year-to-date earnings.

It is an efficient way to stay organized and know precisely how much you have earned this year. Important data is presented in an easy-to-read manner.

Half Page

The half-page stub is just a bit larger than the quarter-page stub, but it still fits nicely into a wallet or purse. It includes the same information as the quarter-page stub, plus your year-to-date deductions.

For more customization, the half-page stub also offers the option to include your company logo. It is a great way to add a personal touch to your pay stub.

Full Page

The full-page-sized stub is the largest size available. Of the three, it provides the most information. It is an excellent choice for those who want a complete earnings overview. The full-page stub is also great for keeping track of deductions. The needs of companies vary, and the full-page stub can be customized to include all relevant information.

To check the types of stubs available, please visit:

Get In Touch With Real Check Stubs

Are you wondering how to get in touch with Real Check Stubs customer service? Don't worry. Go to the website and click "Support" on the home page. Your name, email address, transaction/receipt number, phone number, and message must be submitted. The support team will get back to you as soon as possible to resolve your issue.

Frequently Asked Questions

1. Do I need special software to make a pay stub?

No, you don't need special software. You can create a pay stub using Microsoft Word or Excel. However, many software programs make it easier to generate pay stubs.

2. What other information should I include on a pay stub?

In addition to your name, address, and Social Security number, you should also include your employer's name and address, your job title, and the pay period dates.

3. Can I get a copy of my pay stub from my employer?

Yes, most employers will provide you with a copy of your pay stub. However, if you don't receive one, you can always request one from your employer.

4. How often should I get a pay stub?

You should receive a pay stub every time you are paid. You should receive a pay stub each week if you are paid weekly. If you are paid bi-weekly, you should receive a pay stub every other week.

5. How secure are pay stubs online?

Online pay stubs are just as secure as paper pay stubs. The only difference is that online pay stubs are stored electronically. Paper stubs are easily lost or stolen, so they should be kept in a safe place.


This check stub maker guide has given you a detailed overview of how to make a pay stub. We hope that it was helpful and that now you feel confident in creating your own! Remember to include all necessary information and proofread everything to be sure that your employees will be paid accurately and on time.

Read about why we're the best paystub generator in 2024. and let us help you make your pay stubs online. Make your job easier and save yourself many headaches in the long run!