Free Pay Stub Generator at FreeStubMaker.com Estimates Federal Withholding With 2026 IRS Method

BANGKOK, Oct. 13, 2026 — FreeStubMaker.com, a free pay stub generator run by BrandBoost Digital, estimates federal income tax withholding with the IRS 2026 Publication 15-T percentage method for any pay frequency and for both current and pre-2020 Form W-4s.

Users enter employee and employer details, the pay period, hourly or salaried pay, overtime, Form W-4 entries and deductions, then print the stub or save it as a PDF. There is no signup, no watermark and no cost.

The generator also calculates Social Security and Medicare (FICA), including the 2026 Social Security wage base of $184,500 published by the Social Security Administration and the 0.9% Additional Medicare Tax withheld on wages over $200,000 in a year. When year-to-date wages are entered, those limits are applied across the year. State income tax is applied at a flat rate the user enters; the tool does not model state brackets, credits or local taxes, and it tells users to check their state's withholding tables. Pre-tax deductions for health insurance and 401(k) contributions and custom after-tax deductions are supported.

The stub is built in the user's browser, and the inputs are not sent to FreeStubMaker's servers. Only the last four digits of a Social Security number are used.

The site states that pay stubs must reflect wages actually paid and that creating a false pay stub, or using one to mislead a lender, landlord or agency, may be a crime. FreeStubMaker.com provides information only, not financial advice.

Visitors can download a free Pay Stub Record-Keeping Checklist (PDF) by email. For employers who need several consecutive stubs with year-to-date totals carried forward, BrandBoost Digital also offers the Paystub Pro Pack, editable workbooks for Excel, Google Sheets and LibreOffice.

The generator is at https://freestubmaker.com.