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  • Stubbuilder
  • Mar 9, 2022

How to Make a Free Check Stub Maker with a Calculator?

That’s right, at Stubbuilder – we said FREE check stub maker with a calculator! Whether you want to download your paycheck stub as a PDF or JPG file, you can easily do so by creating one in just seconds using this quick and easy online tool.


Simply enter the number of hours worked on any given date, the pay rate, and click calculate to get an accurate picture of your paycheck that you can then download in PDF format.

We even include other valuable information, such as the amount of money withheld from your paycheck each week and how much will be paid to your taxes at the end of the year.

What is a Free check stub?

A check stub is a document that states all of an employee’s earnings for a specific pay period.

It should also include deductions from their wages, such as taxes and insurance.

Employers provide these to employees each pay period, knowing how much money they made from working at that company.

These documents are sometimes given to employees electronically rather than on paper for easy reference. This type of free check stub maker can be used by small businesses or individuals who want to save money on printing costs for their forms.

The best part about it is that it includes a simple calculator that you can use to figure out your take-home pay based on what you earned and what was deducted from your paycheck.​

What information to include in a check stub?

Included on every check stub are several different fields, including-

  • Pay dates
  • Deductions
  • Net wages

Most of these items are self-explanatory. If you’ve ever made out a check before to pay your bills, you can probably create an accurate check stub without even consulting your employer.

However, two items might not be as clear:

  • Net wages
  • Deductions

Net wages and deductions allow employers to track what portion of each paycheck is used for payroll taxes or other business-related expenses.

To calculate net wages yourself using a free check stub maker with a calculator (like we have here), simply subtract all your deductions from your gross earnings.

Who gets a check stub?

It’s an odd question: Who gets a check stub? If you’re an employee, you should get a check stub. That might be up for debate if you’re self-employed, a business owner, or an independent contractor.

But in reality, business owners and contractors often do need to keep track of some kind of income record, just like employees do.

Since they don’t have pay stubs from their employer anymore (they are self-employed), they might want to create some on their own to help them track income over time and make tax reporting easier come April 15.​

How to make a Free check stub maker with a calculator?

Here’s a simple way to make your check stub by using a Free check stub maker with a calculator in just a few minutes. Simply follow these steps and print off your paycheck, minus taxes and any other deductions that you may have.

  1. Write down all of your payment information in one column.
  1. Calculate any tax deductions or other withholdings that have been made by your employer, like child support payments or health insurance premiums, so you can write them on your check stub under Deductions.
  1. Add up how much money you made per hour, week, month, and year.
  1. Include deductions and total earnings for each category.
  1. Choose how many weeks, months, or years your income is from (every two weeks is typical).
  2. Once you’ve filled in all of your calculations, print out as many copies as needed for family members and/or yourself.

Final Words

Then simply do whatever it takes to get paid! It’s important to track your income over time because it will help you figure out how much money has gone into savings accounts or retirement plans over time.

This will help you gauge where exactly your financial priorities are if something happens with a job loss or if interest rates rise dramatically enough to affect future withdrawals. As always, we hope that helps!

Related Article: How Do I Get A Loan Check Stub