What is Included on a Pay Stub?

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A pay stub, also known as a paycheck stub or pay slip, is the document that itemizes how much employees are paid. You will receive a pay stub for each pay period. It shows your total earnings for the pay period, deductions from the total, and your net pay after deductions.

When employees are paid with a paper check, the pay stub will be attached to the paycheck. If employees are paid by direct deposit to their bank account, the pay slip should be available online to print if a paper copy isn't provided by the employer.

What is Included on a Pay Stub?

Pay stubs include the details of each pay period's wages including the following, depending on your personal circumstances:

  • Gross pay (pay before deductions)
  • Federal taxes withheld
  • State taxes withheld
  • Local taxes withheld
  • Insurance deduction(s)
  • Medicare deduction
  • Social Security deduction
  • Retirement or pension plan contribution
  • Wage garnishments
  • Net pay (the amount you receive after deductions)

The pay stub may also include year-to-date totals of gross and net earnings and deductions.

If you have questions on any of the items on your pay slip, check with your manager or company Human Resources department for clarification. They can advise you on your current deductions and on how to make changes to what is withheld from your gross pay.

How to Calculate Your Net Pay

There are websites you can use to calculate the deductions that will be withheld from your pay to estimate the amount of your paycheck:

How to Change Your Withholding Tax

When you start a new job or want to change the amount of tax that is withheld from your paycheck, you will need to fill out a W-4 Form. Here's how to complete the form.

How to Get a Copy of Your Pay Stub

Copies of pay slips are often required for credit applications or to otherwise verify employment.

If you haven't saved copies of your pay stubs, check to see if you can view and print them from the employee section of your company website or from the payroll service site that your employer uses.

If you can't locate copies, ask the Payroll or Human Resources department of your employer if they can provide you with copies of your pay slips.

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