Question 1

How do I make a pay stub for myself if I'm self-employed?

Accepted Answer

Enter your business as the employer and yourself as the employee, set the pay period to match how you actually draw money, and enter your gross pay. The generator calculates Social Security, Medicare and your chosen withholding rates, producing a clean earnings statement for your records. Pair it with bank statements when documenting income — reviewers like corroborating paperwork.

Question 2

Are the tax calculations accurate?

Accepted Answer

Social Security (6.2%) and Medicare (1.45%) are fixed federal rates and calculate automatically. Federal and state income-tax withholding depend on your W-4 and state, so you enter those percentages — your last real stub or your accountant's figures are the right source. The math on the document is exact for whatever rates you set.

Question 3

Is it legal to make your own pay stubs?

Accepted Answer

Yes — when the information is true. Self-employed people, contractors and small employers create pay stubs as legitimate payroll records every day. What's illegal is putting false information on one to obtain housing, loans or benefits — that's document fraud, and our terms prohibit it.

Question 4

What does it cost?

Accepted Answer

Previewing is free and unlimited. Downloading the watermark-free PDF costs $7.99, which also unlocks unlimited edits and re-downloads of pay stubs for 24 hours — so a batch of stubs for several periods costs one payment.

Question 5

Do you store my information?

Accepted Answer

No. Everything you type stays in your browser's local storage — our servers never see names, addresses or amounts. Payment is handled by PayPal; we only record that an order was paid.

Paystub Generator

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