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Updated April 29, 2026 · By the FilePulp Analytics Team
FilePulp's pay stub generator is a free, browser-based tool that lets you create professional earnings statements in seconds. Whether you're a small business owner, freelancer, or contractor, you can generate clean pay stubs without signing up or paying a dime.
Creating a pay stub is simple:
Pay stub generators are commonly used by small business owners who don't use payroll software, freelancers and contractors who need proof of income, landlords verifying tenant earnings, and individuals applying for loans or housing. A well-formatted pay stub helps document income clearly and professionally.
Under the Fair Labor Standards Act (FLSA, 29 CFR §516.2), employers must retain payroll records — including hours worked, wage rate, gross earnings, and deductions — for at least three years. Detailed daily/weekly time records must be kept for two years. The U.S. Department of Labor publishes an FLSA recordkeeping fact sheet covering exactly which fields a compliant pay stub should capture.
Self-employed workers and independent contractors typically don't issue themselves W-2 pay stubs, but the IRS recordkeeping guidance for the self-employed recommends keeping income and expense records (including any pay stubs you generate for personal cash-flow tracking) for at least three years to support Schedule C filings.
Yes, completely free. No sign-up, no hidden fees, no watermarks on your pay stubs.
Absolutely. Your SSN, salary, employer details, and all other data stay in your browser on your own computer. Nothing is uploaded to any server. We never see, store, or have access to any information you enter.
This tool generates professional-looking pay stubs suitable for record-keeping. However, pay stubs should accurately reflect actual earnings. Using fabricated pay stubs for fraud (e.g., fake income verification) is illegal. Always ensure the information you enter is truthful and accurate.
Common deductions include Federal Income Tax (FIT), Social Security (OASDI at 6.2%), Medicare (1.45%), State Income Tax, and any voluntary deductions like health insurance or 401(k) contributions. The IRS publishes current employer withholding rates and rules in Publication 15 (Circular E).
Yes! FilePulp works on any device with a modern web browser — desktop, laptop, tablet, or phone. No app download required.
For hourly employees, multiply the hourly rate by the number of hours worked. For salaried employees, divide the annual salary by the number of pay periods (e.g., 26 for bi-weekly, 24 for semi-monthly, 12 for monthly). Our generator calculates the amount automatically when you enter rate and hours.