How Do I Make a Paycheck Stub? The Answer is Easier Than You Think!

How Do I Make a Paycheck Stub? Step-by-Step Guide
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July 9, 2023
July 9, 2023
6 min read

Making your pay stub may seem intimidating, but it's quite easy - and there are many benefits to doing it yourself! With a pay stub generator, you can create professional-looking check stubs in minutes, without worrying about formatting or accuracy.

Plus, by using a check stub maker, you can be sure that all of the information that you need is included on your pay stub. You can display more than just your name and your payment information if you want.


How Do I Make a Paycheck Stub

What is Pay Stub?


A pay stub, or pay slip, is a document that summarizes an employee's earnings for a specific pay period. A pay stub includes important information about an employee's pay, such as their hourly rate, gross pay, deductions, and net pay.

Many employers provide pay stubs, but if you're self-employed or your employer doesn't offer this service, you can easily generate them.

Why Might You Need a Pay Stub?


There are many reasons why you might need to generate a pay stub. Perhaps you're a business owner and you are required to generate pay stubs for your employees or you're an independent contractor who needs one to apply for a business loan.

Most working people will need a pay stub, at some point. Below are some reasons why:

Record Keeping


The Fair Labor Standards Act (FLSA) is a federal law that requires employers to keep records of their employee's hours worked and wages earned. The format may vary, but the information needs to be accurate and up-to-date. Employees can keep their pay stubs for their own records, as well.

Big Purchase


Lenders require proof of income, often through a pay stub, when approving a large purchase- such as a car or a house.

Rental Equipment or Apartment


You might need a pay stub for proof of income when renting equipment, such as a tool or machinery. The same is true for renting an apartment; many landlords will require a pay stub as proof of income to know that the tenant can afford the rent.

Commercial Lease

Before signing a commercial lease, the landlord may request paycheck stubs for proof of personal income in addition to recent bank statements for the business.

Credit Card Applications

Many credit card companies will request a pay stub or other proof of income when you apply for a new credit card or request to increase your credit limit.


When applying for a mortgage, most lenders will require at least two years of federal income tax returns and W-2 forms, as well as recent pay stubs, to verify your current income.


When filing a claim, such as for unemployment benefits or workers' compensation, claimants may be required to provide pay stubs as proof of income.

Health insurance

Health insurance companies may require proof of income through pay stubs in order to give subsidized premiums.

Whatever the reason, a pay stub generator creates pay stubs in minutes. And, if you need to create multiple pay stubs (for example, for all of your employees), some pay stub generators can save you a lot of time and hassle.

Which is Better: Physical Pay Stubs Or Pay Stubs Online?

Which is Better: Physical Pay Stubs Or Pay Stubs Online?


There are two main ways to create pay stubs: to generate them with software or to create pay stubs online.

If you choose to generate them on your own, you'll need to find a template or software program to format the pay stubs correctly. This option can be time-consuming and expensive, depending on the cost of the software and how often it needs to be updated.

Creating pay stubs online is a much easier, faster, and more efficient option. With Real Check Stubs™ Paystub Generator, you will automatically generate a professional, accurate pay stub. You can choose from many templates to be sure that all the information that you want to include will appear on the stub.

7 Benefits of Using a Pay Stub Generator

Pay stub generators have many benefits, including:

Saving time

Creating pay stubs can be time-consuming, especially if you have a lot of employees. Using a pay stub maker, you can quickly and easily create pay stubs for all your employees at once.


A pay stub generator ensures that all the calculations are accurate, so you don't have to worry about making mistakes that could cost you time and trouble in the long run.

Professional Appearance

A stub generator will give your pay stubs a professional appearance, which is important for your business and so that you avoid being suspected of fraud.

Save Money

An online pay stub generator is very affordable, compared to manually creating pay stubs or hiring a payroll service. You can also save on the cost of paper and postage- because you will no longer have to print, scan or mail the stubs to remote employees. You'll create the stub online and then simply email it! So, it's also environmentally friendly.


You can generate pay stubs online from anywhere, at any time. All you need is your computer and an internet connection.


When you create a pay stub online, your data is stored securely and can only be accessed by you. What's more, if a pay stub is misplaced, then a new one can be printed in just minutes.

Ease of Use

Real Check Stubs™ Paystub Generator is very easy to use, so you don't need any experience or special knowledge to create a pay stub. Just enter your information into the system, and the pay stub will be generated automatically!

How to Choose a Pay Stub Generator?

Choose from different pay stub samples


Many pay stub generators are available, so how do you choose the right one for your needs? Here are some things to consider:



Some pay stub generators are free, while others charge a fee. Consider your budget, how many pay stubs you need to create, and whether you're willing to pay for the convenience of a pay stub generator.



The best pay stub generator has the features that you need. For example, some allow you to customize your pay stub template - allowing you to add or delete fields. Or, some will print all of your employees' stubs at one time, while others don't.

Some pay stub generators are more user-friendly than others. If you're unfamiliar with technology, look for a pay stub generator that is easy to use, even the first time.

Customer Support

If you have any problems using the pay stub generator, you'll want to be able to contact customer support for help. Look for a pay stub generator that offers customer support in case you have any issues.

Now that you know what to look for, don't wait any longer! Try the Real Check Stubs ™ Paystub Generator today and see how easy it is!

How Can I get a Pay Stub?


There are two ways to get a pay stub. The first is to ask your employer. Most states require employers to provide an electronic or paper pay stub for every pay date. If the stub is electronic, then you'll have to print it yourself. Or, if you're self-employed, you can create a pay stub using a pay stub generator.

What Information Should be Included on a Pay Stub?


Pay stub generators make it easier than ever to create professional pay stubs. All you need is the employee's name and identification number, pay period, hours worked, gross pay, and information about their deductions. The net pay should be calculated for you by the generator. With this information, you can create a detailed pay stub in minutes. Consider what paycheck information is important to you and choose a pay stub template accordingly.

Employee's Gross Pay

The employee's gross pay is the amount of money they earn before any deductions are taken. This includes their base salary, commissions, bonuses, or other forms of compensation.

Commissions and Bonuses

Commissions and bonuses are forms of compensation typically based on how much work an employee does or how well they perform. These might be included as part of an employee's gross wages.


Federal taxes are automatically deducted from an employee's pay. The amount of taxes paid will vary, depending on the employee's tax bracket and the information on their withholding certificate (W-4). State or local taxes might be withheld, as well.

Health Insurance Premiums

Health insurance premiums are deductions taken from an employee's pay as a voluntary deduction.

Retirement Plan Contributions

The employee may have the option to contribute a percentage of their pay to a retirement plan, such as a 401(k). This is another voluntary deduction.

How to Make a Pay Stub?

How to create a pay stub


Creating pay stubs for your employees doesn't have to be a difficult or time-consuming task. With the right tools and information, you can easily create accurate and professional-looking pay stubs in just a few minutes.

Here's a step-by-step guide on how to create your own pay stub:

  1. Log into your Real Check Stubs™ account.

  2. Select the "Create New Stub" button.

  3. Choose the pay stub template that you want to use.

  4. Enter the employee's total gross pay for the pay period in the "Gross Pay" field.

  5. Enter deductions for taxes withheld, employee benefits, and other deductions in the appropriate fields.

  6. The system will calculate the employee's net pay, which is their total gross pay minus deductions.

  7. Preview the pay stub to make sure all the information is correct.

  8. Then click on" Create pay stub."

  9. Your employee's pay stub will be generated instantly and delivered to as a pdf for you to email, save or print. No scanning or mailing is necessary!

Pay stubs are automatically saved in your account for future reference. Pay stubs can be reprinted at any time.

Real Check Stubs™ makes it quick and easy to create pay stubs! With our user-friendly platform, you can have employee pay stubs in just minutes. Our pay stub templates are customizable so that you can include information that is beyond the minimally required data. Give Real Check Stubs™ a try today!

Click here to launch our Paystub Generator and create your own paystub!

Fake Pay Stubs: What You Need to Know


While there are many benefits to using a pay stub generator, there is also the risk of creating fake pay stubs. If you're not careful, you could end up with a pay stub generator that doesn't accurately calculate deductions or net pay. This could lead to problems down the road, so it's important to choose your pay stub generator wisely.

How to Avoid Fake Pay Stubs


The best way to avoid using a fake pay stub is to be sure that you're using a reputable pay stub generator. Many pay stub generators are available, but they are not all the same. Be sure to do your research.

Remember that fake pay stubs can be used for fraud. If you're ever asked to provide a pay stub for income verification, be sure to review it carefully to avoid any trouble.

At Real Check Stubs ™, our customer service is available 24/7 to help you if you have any doubts about your pay stub.

Real Check Stubs Generator is the Best in the Business!


Look no further than Real Check Stubs™ if you're looking for a pay stub generator that offers top-notch quality and customer service.

We offer many features that make creating pay stubs easy and convenient. Our knowledgeable customer support team is always available to help if you have any questions or problems.

Frequently Asked Questions


How often should I give my employees their pay stubs?

It's a good idea to give your employees their pay stubs each time they're paid, even if you can legally opt-out. This way, a person can keep track of their earnings and deductions. Plus, if there are any changes to their pay or deductions, they'll be able to see it right away.

Do I need to give my employees their pay stubs if I provide direct deposit for their paychecks?

According to your state, you might be required to give your employees their pay stubs even if you provide direct deposit. Otherwise, it is still recommended so they can keep track of their earnings and deductions.

How do I make check stubs for my business?

You can make real, professional, accurate check stubs for your business in just minutes with Real Check Stubs Paystub Generator™. We have a wide variety of templates for you to choose from. Customers all offer the United States trust us and we work hard to make sure that they can easily and quickly create exactly what they need for themselves and for their businesses.