πŸ“’ 2026 TAX SEASON: IRS filing opens January 26, 2026. ⏰ DEADLINE: April 15, 2026 is the final day to file. πŸ’Ό Q4 PAYMENTS: Estimated taxes due by January 15, 2026. πŸ” DETAILS: View the 2026 Tax Calendar here
πŸ“’ 2026 TAX SEASON: IRS filing opens January 26, 2026. ⏰ DEADLINE: April 15, 2026 is the final day to file. πŸ’Ό Q4 PAYMENTS: Estimated taxes due by January 15, 2026. πŸ” DETAILS: View the 2026 Tax Calendar here
Free Online Pay Stub Generator | 2025/2026 Tax Calculator

Free Online Pay Stub Generator & 2025/2026 Income Tax Calculator

Get quick payroll estimates for 2025/2026 with IRS brackets (10% to 37%) and updated standard deductions. For U.S., the tool also applies state payroll rules, including applicable local requirements.

⚑ Fast Pay Stub Generator

Create accurate check stubs with withholding previews, Medicare, Social Security, and optional YTD totals β€” no signup required.

πŸ“ 50-State + Federal Tax Engine

Supports Texas (no state income tax), Florida, and progressive-tax states β€” great for payroll previews across the USA.

πŸ”’ Secure & No Signup

Privacy-first by design. Your paystub and tax details stay in your browser β€” we don’t store sensitive income data.

How Easy IRS Calculator Works

1 Enter Details
2 Add Wages
3 Preview
4 Download

Great for small businesses, contractors, and anyone needing payroll previews or proof-of-income documentation.

Disclaimer: Results are estimates for planning/preview purposes only. For official filing guidance, verify with IRS.gov or a licensed tax professional.

Pay Stub Examples, Templates & Format

Need a pay stub template, pay stub examples, or a sample pay stub? This pay stub format and pay stub form include earnings, taxes, and deductions for a clear pay stub breakdown. Explore pay stub explanation, how to read a pay stub, and how to make a pay stub to create legal pay stub, real pay stub, and accurate pay stub outputs.

Tax Tables & Payroll Calculations

Estimate federal income tax, state income tax, FICA tax calculator, Social Security tax pay stub, and Medicare tax pay stub results. The calculator supports federal withholding calculator, W-4 withholding calculator, take home pay calculator, and gross to net calculator needs for 2024–2026.

State income tax rules vary by location. Some states have no income tax, which can increase net pay.

Tax Type2025 Rate2026 RateFiling Status Impact
Federal Income Tax10%–37% (progressive brackets)10%–37% (inflation-adjusted brackets)Single vs. Married brackets change standard deduction and withholding.
FICA (Social Security/Medicare)6.2% SS + 1.45% Medicare (+0.9% over threshold)6.2% SS + 1.45% Medicare (+0.9% over threshold)Married thresholds differ for Additional Medicare Tax.
State Income Tax0%–13.3% (state-dependent)0%–13.3% (state-dependent)Some states offer flat rates; others adjust by filing status.
In-Depth Explanations: FICA, Withholding & YTD

This pay stub generator and income tax calculator provide a transparent payroll breakdown so employees and employers can see how every dollar is calculated.

  • FICA (Social Security & Medicare): We calculate mandatory payroll taxes, including the Social Security wage base and Additional Medicare thresholds where applicable.
  • Federal vs. State Withholding: Federal taxes follow IRS brackets and W-4 settings, while state withholding depends on your state’s rules (flat or progressive).
  • YTD (Year-to-Date) Totals: Track year-to-date earnings, taxes, and deductions to keep payroll records accurate and simplify tax filing.
Deep Dive: Federal Withholding, FICA & State Logic

Federal Withholding (2025/2026): Brackets remain progressive, with updates for inflation and filing status differences between Single and Married filers.

FICA Limits: Social Security applies up to the annual wage base, while Medicare applies to all wages with Additional Medicare thresholds for higher earners.

State-Specific Logic: State rules can be flat or progressive and may vary by filing status. Some states apply $0 state income tax, which boosts net pay.

Pay Stub Generator FAQ
Is this a free pay stub generator?
Yes. The free pay stub generator lets you create a pay stub PDF or printable pay stub without signup.
Can I use it for 1099 or W2 pay stubs?
Yes. It supports 1099 pay stub generator and W2 pay stub needs for contractors and employees.
Does it include federal and state tax calculations?
Yes. Use the federal and state tax calculator, net pay calculator, and gross pay calculator tools.
Is this suitable for proof of income?
Yes. Many users create a pay stub for loan, rent, or mortgage income verification.
Does it include 401k deductions?
Yes. You can include 401k deductions to estimate taxable wages and net pay.
Can I use this for proof of income for rentals?
Yes. Landlords often accept pay stubs as proof of income for rentals and leasing.
How do 401k deductions affect taxes?
Pre-tax 401k deductions can reduce taxable income, which lowers federal and state withholding.
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