Best Pay Stub Generator 2026
We tested 7 leading pay stub generators to find the best options for accuracy, ease of use, and value. Here's our comprehensive comparison.
Quick Comparison
| Service | Price | Rating | Accuracy | Best For |
|---|---|---|---|---|
| JustPayStubs Our Pick | $14.95 | 4.9 | Excellent | Most accurate |
| PaystubHero | $7.99 | 4.7 | Very Good | Budget option |
| RealCheckStubs | $8.99 | 4.8 | Very Good | Fast delivery |
| ThePayStubs | $4.99 | 4.5 | Good | Cheapest |
| StubCreator | $5.99 | 4.6 | Good | Simple interface |
| CheckStubMaker | $6.99 | 4.4 | Good | Templates |
| PayStubs.net | $7.49 | 4.3 | Average | Basic features |
Detailed Reviews
Why We Chose It:
JustPayStubs stands out with the most accurate tax calculations in our testing. Using real-time federal and state tax tables for all 50 states, it produced calculations that matched professional payroll software within $0.01 consistently. The interface is intuitive, templates are professional, and YTD calculations flow perfectly across multiple stubs.
Pros
- Most accurate tax calculations (tested against ADP, Paychex)
- All 50 states supported with current tax tables
- Live preview before purchase
- Up to 6 consecutive stubs with automatic YTD
- Professional templates accepted by lenders/landlords
- Instant PDF download + email delivery
Cons
- Higher price point than competitors ($14.95 vs $4.99-$8.99)
- No monthly unlimited plan (yet)
Bottom Line: Worth the premium price if accuracy matters. Perfect for mortgage applications, loan applications, or any situation where lenders verify your stubs. The tax calculations are spot-on, which prevents rejection or questions from financial institutions.
PaystubHero
Solid middle-ground option with good accuracy and reasonable pricing. Tax calculations were accurate in most cases, though we found minor discrepancies (under $5) in complex scenarios with multiple deductions. Great for general use, rental applications, and basic proof of income needs.
Best Features:
- • Clean, modern interface
- • Good customer support
- • Multiple template options
Missing:
- • Some state-specific deductions
- • Advanced customization
RealCheckStubs
Known for instant delivery and professional-looking stubs. Tax accuracy was very good (within $2-3 of perfect). The templates look polished and professional, making them well-suited for formal applications. Slightly pricier than competitors but worth it for the quality.
Budget Options ($4.99 - $6.99)
ThePayStubs, StubCreator, CheckStubMaker, and PayStubs.net are adequate for basic needs but showed inconsistent tax calculations in our testing. These work fine for informal documentation or less critical applications, but we don't recommend them for:
- Mortgage applications (lenders may question accuracy)
- Auto loans with strict verification
- Any situation where income will be verified by employer
How We Tested
Tax Accuracy
Compared calculations against professional payroll software (ADP, Paychex, Gusto) for 10 different scenarios across multiple states and income levels.
Ease of Use
Timed how long it takes to create first stub, clarity of interface, quality of preview, and overall user experience from start to download.
Value
Price per stub, quality of output, additional fees, bulk discounts, and whether the service delivers what it promises at the stated price.
Frequently Asked Questions
Which pay stub generator is most accurate?
JustPayStubs is the most accurate in our testing, with tax calculations matching professional payroll software within $0.01. This matters for mortgage applications and loan approvals where lenders verify calculations.
What's the cheapest pay stub generator?
ThePayStubs at $4.99 per stub is the cheapest, but accuracy was inconsistent in our testing. For critical applications (loans, rentals), we recommend spending $7.99-$14.95 for more reliable services.
Will lenders accept pay stubs from these services?
Yes, if the information is accurate and verifiable. Lenders check that employer details, income amounts, and tax calculations are correct. Services with accurate calculations (like JustPayStubs and RealCheckStubs) are more likely to pass verification.
Can I create pay stubs for my LLC or business?
Yes! All services listed allow you to create pay stubs for your business. Use your LLC/business name as the employer, include your EIN, and document your actual draw or salary. Perfect for self-employed individuals, contractors, and small business owners.
Disclaimer: This comparison is based on our testing and research as of January 2026. Prices and features may change. Always provide accurate, truthful information when creating pay stubs.
Creating fraudulent documents is illegal. These services are designed for legitimate documentation of real income for self-employed individuals, contractors, and small business owners.