calculatepaycheck.net
2026 · Computed example · Printable

Pay stub: a complete example

Set a salary, state and frequency and the stub below is generated line by line from the engine: earnings, pre-tax deductions, taxes, after-tax deductions, net, year-to-date. Print it, compare yours with it, or use the template and generator.

Written and edited by Pablo Ruiz QuinteroSources checked September 15, 2026Federal figures checked against Rev. Proc. 2025-32 and Publication 15-T; FICA against Topic 751
2026 rates
Paid
Take-home, every two weeks
$2,639.52

$68,628 a year from $85,000 gross · 19.3% of your pay goes to taxes

Gross pay
$3,269.23
Federal income tax· Pub 15-T, standard table
−$379.62 11.6%
Social Security· 6.2% up to $184,500 a year
−$202.69 6.2%
Medicare· 1.45%, no ceiling
−$47.40 1.4%
Texas income tax· no state income tax
−$0.00 0.0%
Net pay
$2,639.52
Withholding vs what you owe

Over the year this withholds $9,870 in federal income tax against a projected bill of $9,870: an expected refund of $0 at filing.

  • — Texas does not tax wage income.

Figures on this page

What this calculator does not do

  • — State disability and paid-leave lines.
  • — Employer contributions, shown by some stubs for information.
  • — Employer-specific codes and abbreviations; the reading guide lists the common ones.

Your stub says something else? Report a discrepancy: it is checked against the source and answered on the corrections page.

A complete example, computed

The stub above is generated from the calculator for the inputs you set: every line is the engine's output for 2026, the year-to-date columns assume the same paycheck all year, and the print button produces a PDF. It is the reference for checking your own: the reading guide walks each line and the checker compares yours with it.

What a stub shows and why

Earnings by type with hours and rate; pre-tax deductions, which reduce the taxable bases; taxes — federal, Social Security, Medicare, state, local; after-tax deductions; net pay; and year-to-date totals. Two taxable-wage figures appear because Section 125 deductions reduce FICA wages and retirement deferrals do not. The what is a pay stub guide covers what states require an employer to show.

Template, generator, and the line

The template is a blank, printable layout for an employer without payroll software or an employee reconstructing a lost stub. The generator fills that layout from the engine for a salary, state and frequency you enter, with names for the header, and marks itself as a computed illustration. Neither produces an employer's record, and a stub presented to a lender as one when it is not is fraud; lenders check against W-2s and deposits.

Questions

Is this a real pay stub?
It is a computed illustration for the inputs you set, using 2026 withholding. It is not an employer’s record and says so when printed.
Can I edit the figures?
No. Every figure is the engine’s output; a stub that lets you type the taxes is a forgery kit.
How do I check my own stub?
Set the same salary, frequency, state and deductions here and compare line by line; the checker on the accuracy guide names the largest gap.

Sources

An estimate for planning, not tax or payroll advice.

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