Trust, Tax Accuracy & Compliance
JustPayStubs is a payroll document generator — not a comparison blog masquerading as journalism. Here is how we approach tax math, legitimate use, and building authority the right way.
Tax calculation methodology
Federal withholding uses IRS Publication 15-T logic. FICA (Social Security + Medicare) applies standard rates with wage-base limits. State tax uses per-state rules in our 50-state pay stub hub. Free paycheck calculators let you verify take-home pay before generating a PDF.
What our documents include
Gross pay, itemized deductions, taxes withheld, net pay, YTD totals, employer/employee fields, and pay period dates — the fields an employer payroll record usually shows.
Important disclaimer
You are responsible for the accuracy of all information entered. JustPayStubs does not verify employment relationships or income claims. Documents must reflect real compensation. We provide educational content — including how to spot fake pay stubs — because legitimate tools should discourage fraud, not enable it.
Frequently asked trust questions
Is JustPayStubs a replacement for ADP, Gusto, or an employer payroll system?
No. JustPayStubs is a document generation tool for individuals and small businesses that need professional pay stubs, W-2s, and 1099-NEC forms. Employers running live payroll should use a licensed payroll provider. Our tool helps when you need a formatted document from information you supply.
How accurate are the tax calculations?
2026 federal withholding estimates use IRS Publication 15-T and modern W-4 Steps 2 through 4. FICA estimates depend on actual prior taxable wages from the same employer. State/local withholding is supplied from actual records, not guessed or automatically guaranteed for every state. Estimates are not payroll records: existing documents must reflect actual earnings and deductions. Review totals before download and consult a tax professional for complex situations.
Can I use these pay stubs to show income I did not earn?
No. The PDF is a record of wages or other amounts you say were paid. Using it to misrepresent income is fraud. Employers and contractors should enter figures from a real payroll run. This is not a document to hand to a lender or a landlord as if a payroll company issued it.
Why doesn't JustPayStubs have thousands of Trustpilot reviews yet?
We are a newer specialized tool compared to decade-old competitors. We publish transparent pricing, free calculators, and educational guides instead of buying review volume. We focus on earning trust through utility — accurate templates, instant PDF delivery, and [email protected] — not inflated social proof.