Yes — as long as the payroll and income information you enter is true and accurate. The document itself isn't the problem; using false or altered information to obtain credit, housing, employment, or other financial gain is. That's why TrueStub requires you to certify the accuracy of your information before downloading anything, and why our Terms prohibit fraudulent use outright.
We annualize your per-period pay and apply 2026 federal income tax brackets, FICA (Social Security and Medicare, including the 0.9% additional Medicare tax above $200,000 single / $250,000 joint), and your state's 2026 income tax table — all 50 states plus DC, including mid-year law changes. Pre-tax deductions like 401(k) contributions reduce taxable income first. The result is a genuine estimate, not a flat-percentage guess. See our generator to try it live.
It depends on how they verify income — and we don't guarantee acceptance by any third party. Many landlords and lenders verify employment or income independently (for example, by requesting bank statements or contacting employers), and their decision is entirely their own. What we can promise is that the numbers on a TrueStub pay stub are computed correctly from the information you provide.
The free on-screen preview carries a "PREVIEW" watermark across the document. The paid PDF download is clean, print-ready, and watermark-free — suitable for your records.
The live preview is computed entirely in your browser — nothing is sent or stored. If you generate a free watermarked PDF, your stub data is sent to our server only to render the file and is never stored. Paid orders keep your email and a snapshot of the stub data so you can re-download. See our Privacy Policy for details.
Yes. Set the pay period start/end dates and pay date to whatever period you need. Year-to-date (YTD) figures count the pay periods elapsed from January 1 through your pay date — so a March stub shows March YTD, not a full year. If this isn't your first stub of the year, you can also enter your actual YTD gross and the deduction YTDs scale proportionally.
Bundles are available on our pricing page — 6, 12, or 26 stubs at a discount, handy for catching up on several months. W-2 and 1099 forms are on our roadmap.
No. TrueStub provides estimates based on published 2026 tax tables and the information you enter. It is not tax or legal advice. For your specific situation, consult a qualified tax professional.
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