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2026 FEDERAL TABLES IN EFFECT · IRS PUB 15-T
SOURCES CHECKED 02 SEPT 2026 · HOW WE VERIFY

PayStub Desk

Free pay stub templates

Every template runs on the same calculation engine, so switching layouts never changes the numbers on the document. Pick the one that suits who is going to read it, fill in your own figures, and download the PDF.

Other layouts

  • Classic

    For lenders

    The layout a bank or a lender expects: every figure on its own row, the deductions listed in full, the year-to-date column beside the current period. Pick this one when the stub is going to be read by someone who checks it against a form.

    Use this template

  • Modern

    For phonesView

    The same document with the net pay carried to the top and the arithmetic underneath it. Reads quickly on a phone, which is where most people open a stub their employer sent them.

  • Compact

    For busy periodsView

    The one to use when there is a lot to fit: several earnings lines, several deductions, or both. Rows are tighter and the sections run one after another, so a busy period stays on a single page.

The figures are identical in all three. What changes is the layout.

Classic

For lenders

The layout a bank or a lender expects: every figure on its own row, the deductions listed in full, the year-to-date column beside the current period. Pick this one when the stub is going to be read by someone who checks it against a form.

Classic · 8.5 × 11 in · watermarked 2026 tax tables

Paystub, paycheck and check stub templates

A paystub template, a paycheck stub template and a check stub template are one document under three names, and someone looking for a paycheck template usually means it too: the statement that goes with a payment, showing what was earned in the period, what was withheld, and what was left to pay out. Blank versions are often called pay stub forms. Whichever name your employer or your lender uses, the three layouts above are what the generator produces, and a blank one to fill in yourself is further down.

Sample pay stubs with real figures

The stub above is one biweekly period of an hourly job in Texas, calculated with the 2026 federal, FICA and state withholding tables, the same way your own figures will be. The watermark is what a free download from the generator carries; the paid PDF is clean.

Blank pay stub template: printable PDF and Excel

A blank pay stub form on one 8.5 × 11 in page, with lines for the company, the employee, the pay period, earnings, taxes withheld, other deductions and the totals. It works out no withholding: the PDF is filled in by hand, and the Excel sheet adds up what you type into it but leaves the withholding lines to you. To have the federal, FICA and state tax worked out from the 2026 tables, use the generator.

Download the printable PDF Download the Excel template
Blank pay stub template with lines for earnings, taxes withheld, deductions and net pay

Pay stub template questions

Can I print out a pay stub?
Yes, in two ways. The blank pay stub template on this page prints without a watermark and is filled in by hand, withholding included. A stub made in the generator has the taxes worked out for you and downloads as a PDF on an 8.5 × 11 in page that prints at actual size; the free copy carries the watermark, the paid one does not.
How do I create my own pay stub?
Pick a layout above and open the generator. Enter the company, the employee and the pay for the period, and the federal, FICA and state withholding is worked out from the published tax tables for the year as you type. Then download the PDF.
Does Excel have a pay stub template?
Yes, and there is one on this page, which opens in Google Sheets as well. It adds up the earnings, subtracts the deductions and carries the year to date, but the withholding lines are typed in by hand: a spreadsheet knows the federal tables, the FICA rates and your state's rules only if someone types them in and keeps them current. To have the federal, FICA and state tax worked out from the tables for the year, use the generator. Download the Excel template.
Is it legal to create your own pay stubs?
Yes, when the figures are real: a record of pay you actually received, a small employer documenting wages that were paid, a stub you lost recreated from what your employer reported. Making one that shows pay that never happened and presenting it as proof of income is not legal. Where the line is.
Use the Classic template