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Pay stub generator (2026): an earnings statement with the withholding done right

Fill in who paid whom, the period and the gross pay; the federal, FICA, state and city withholding are calculated by the same 2026 engine as the paycheck calculator — they are not typed in, which is what makes this statement worth showing to anyone. Preview free, download the clean PDF for $7.99. Built for self-employed and gig workers documenting income, small employers with a few staff, and anyone replacing a lost stub.

What this generator will and won't do

• Computes, never copies, the taxes. Every tax line comes from the current tables (see the methodology and change log); there is no box to type a tax amount into.
• Says who made it. Each document carries a “prepared by the employee/contractor with paysums.com — not an employer record” line, the date and a document ID, so whoever reads it knows exactly what it is. An honest statement is a believable one.
• Is not for misrepresenting income. Creating a document to overstate income or invent employment to obtain housing, credit, a vehicle or benefits is fraud. Keys used that way are revoked and we cooperate with fraud investigations.

When a self-generated statement is accepted

Alongside primary evidence — bank statements showing the deposits, tax returns, a 1099/W-2/P60/Form 16, or a signed letter from the payer. It fills the gap when the payer issues nothing (cash-paid or very small employers, contractors paid by invoice) or the original was lost. Use it as the clean summary on top of the raw evidence, not instead of it.