Pay Stubs•7 min read•
How Self-Employed People Can Create Pay Stubs (And Why You Need Them)
Self-employed? Here's why you still need pay stubs and how to create them for loans, leases, and income verification. Complete guide for freelancers and entrepreneurs.
JP
JustPayStubs Team
Updated February 1, 2026
💡 Quick Answer: Self-employed people can absolutely create pay stubs. They document your income from your own business -- when you pay yourself, you can generate a professional stub showing that payment.
Why Self-Employed People Need Pay Stubs
Being your own boss is great -- until your landlord, bank, or lender asks for recent pay stubs. Most self-employed individuals don't have an employer generating these documents, leaving them scrambling.
Here's where self-employed pay stubs actually matter:
- Rental applications -- Landlords require income verification. Pay stubs are the most trusted form.
- Bank loans and mortgages -- Lenders want to see consistent, documented income history.
- Auto financing -- Dealerships and lenders require proof of income.
- Business bank accounts -- Some banks require income documentation when opening accounts.
- Professional presentation -- Sending clients a proper document shows you're serious about your business.
What Goes on a Self-Employed Pay Stub?
| Field | What to Enter |
|---|---|
| Employer Name | Your business name (e.g., "John Smith Consulting LLC") |
| Employee Name | Your own name |
| Pay Period | The dates you're documenting |
| Gross Pay | Your revenue or the amount you paid yourself |
| Deductions | Taxes you've set aside (estimated quarterly payments) |
| Net Pay | Your actual take-home amount |
Step-by-Step: How to Create Your Self-Employed Pay Stub
- Go to justpaystubs.com/paystub/create
- Enter your business name as the employer
- Enter your own name as the employee
- Set your pay type (hourly or salary)
- Enter your pay amount and pay period
- Select your state for accurate tax calculations
- Choose a professional template
- Download your PDF instantly
📌 Pro Tip: Create at least 3 months of consecutive pay stubs to satisfy most lenders and landlords. Consistency matters more than the amount.
Ready to Create Your Self-Employed Pay Stub?
Our pay stub generator handles all the tax calculations automatically. Professional templates, all 50 states supported, instant PDF download.
Related Topics
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