Best Pay Stub Generators Compared (2026): Prices, Countries and Free Options

Short answer: For one stub, the cheapest option is a free first stub, which 123PayStubs, StubCreator and SecurePayStubs all offer. After that, 123PayStubs is the cheapest per-stub site at $3.99. If you need several stubs, PayStub Guru charges a flat $2.99 for 24 hours of unlimited PDFs, with up to 12 consecutive stubs in one PDF. Every US-focused site we checked covers the US, and four of them also cover Canada. For the UK, Australia or Malaysia, PayStub Guru was the only one of the nine that makes payslips for those countries.

We make PayStub Guru, so we have an obvious interest. To keep this fair, every competitor price below was taken from that company's own website on 27 October 2026 (Paystub.org on 29 October), not from review sites. Where a site doesn't publish something, we say so rather than guess. Prices change, so check the vendor's page before you buy.

Comparison table

All prices are in US dollars unless marked.

"Not stated" means we couldn't find it on the company's own pages, not that the answer is no. "US" means we found no other country on the site.

What a year of stubs costs

Most people don't need one stub. They need a run of them: twelve monthly stubs, or 26 for someone paid every two weeks. Per-stub pricing adds up quickly, so here is the total for each site that publishes its prices. These are base prices, before any optional add-ons.

ThePayStubs and PayStubs.net don't show prices before you start an order, so we've left them out of this table.

The generators one by one

PayStub Guru

• Price: $2.99 for 24 hours of unlimited watermark-free PDFs. UK buyers pay £2.29, Canadians CA$3.99, Australians A$3.99 and Malaysians RM9.90.
• Free option: Fill in the form, check the live preview and download as many watermarked PDFs as you like, without paying or signing up.
• Countries: United States (all 50 states and DC), Canada (all 13 provinces and territories, with QPP in Quebec), the United Kingdom (tax codes, including Scottish rates), Australia (PAYG withholding, super and the Medicare levy) and Malaysia (EPF, SOCSO, EIS, Lindung 24 Jam and PCB). Each country uses its own terms: a "pay stub" in the US and Canada, a "payslip" elsewhere.
• Features: Year-to-date totals, a company logo, itemised earnings and your own deductions. Up to 12 consecutive stubs in one PDF with the paid pass.
• What it doesn't do: No W-2 or 1099 forms and no direct deposit slips. Sales are final: we don't offer refunds once the 24-hour pass starts, which is why you can download a watermarked PDF to check first.
• Best for: Anyone who needs several stubs at once, and anyone outside the US.

123PayStubs

• Price: First stub free, then $3.99 per stub. Optional add-ons per stub: advanced federal and state withholding ($1), extra earnings and deductions ($2), a deposit slip ($1) and a time-off policy ($1).
• Countries: US. We found no other country on its site.
• Features: Year-to-date totals, your logo, and federal and state withholding.
• Made by: SPAN Enterprises LLC, which also makes TaxBandits.
• Best for: A single US stub (it's free), or a few stubs where you don't need the add-ons.

StubCreator

• Price: First stub free each year. After that, $4.99 per stub for standard templates, $5.99 for modern ones and $6.99 for advanced ones (including an "ADP Style" template). Optional add-ons are $2 per stub. W-2, 1099, W-3 and W-9 forms cost $6.99 each.
• Countries: US and Canada ("all 50 U.S. states and Canadian provinces").
• Account: The free stub needs no signup and no card.
• Best for: People who want a choice of templates, or who also need US tax forms.

SecurePayStubs

• Price: $4.99 per stub, with "no extra cost for add-ons". The first stub is free with the code FIRSTSTUB, and credit bundles give discounts of up to 40%.
• Countries: US. We found no other country on its site.
• Account: Its FAQ says you keep access to your stubs "as long as you have an active account".
• Refunds: Within 30 days of the order if, for example, you couldn't access your stubs.
• Best for: US users who want federal, state and local tax, deposit slips and time-off details at one flat price.

PayStubCreator.net

• Price: $9.99 for one stub, falling to $7.59 each for 6, $6.39 each for 12 and $3.84 each for 26. A direct deposit slip costs extra.
• Free option: The preview is free; you pay to download.
• Countries: US and Canada.
• Account: None needed: "no account to set up" and "no signup".
• Refunds: A 30-day money-back guarantee.
• Extras: Stubs for both employees and 1099 contractors, plus generators for US tax forms such as W-2 and 1099.
• Best for: A full year of two-weekly stubs bought at once.

ThePayStubs

• Price: Not published on the home page or the stub form. The home page only says the stub costs "a small fee".
• Countries: US and Canada.
• Extras: Generators for many US tax forms, including W-2, W-4, W-9 and several 1099 types.
• Refunds: A refund can be requested within 30 days of purchase.
• Best for: People who need a stub plus several US tax forms from one site.

FormPros

• Price: A subscription, not a per-stub price: $96 a year (shown as $8 a month), $39.99 a month billed monthly, or a 7-day free trial. Its pricing page also mentions pay-as-you-go, without a price.
• What you get: The plan covers FormPros' whole library of legal and tax forms, with the pay stub generator as one part of it.
• Cancelling: Takes effect at the next renewal date.
• Best for: People who'll also use its other legal and tax forms during the year.

PayStubs.net

• Price: Not shown on the home page.
• Countries: US, with a separate Canadian pay stub maker.
• Refunds: The home page advertises a "100% Money-Back Guarantee"; the terms are on its refund policy page.

Paystub.org

• Price: $39 for a single document, or a membership with unlimited pay stubs: $27.88 a month or $89 a year, both renewing automatically until cancelled.
• Free option: None. Its FAQ says it doesn't offer free trials or free use.
• Countries: US. We found no other country on its site.
• Extras: Generators for W-2 and 1099-MISC forms and invoices.
• Refunds: The single-document price comes with a 30-day money-back guarantee.
• Made by: Form Source, LLC.
• Best for: People who'll make stubs and US tax forms regularly over a month or a year.

Outside the US: UK, Australia and Malaysia

None of the eight US-focused generators above make UK, Australian or Malaysian payslips. Besides PayStub Guru, here's what we found for each country:

• United Kingdom: Taxfly's payslip generator is free with no signup. It works out income tax and National Insurance from the tax code, including Scottish rates. We compare it with Payslipmaker.uk, Xero and HMRC's Basic PAYE Tools in UK payslip generators compared.
• Australia: Payroller is free for Australian small businesses, but it's payroll software, not a one-off generator. You sign up, run a pay run, and the payslips come from that.
• Malaysia: PayrollPanda offers free payslip templates in Excel, Google Sheets and PDF. You fill in the EPF, SOCSO and PCB figures yourself.

PayStub Guru works the same way in all five countries: you fill in one form, the deductions are worked out for that country, and the PDF uses that country's terms and layout. There's a step-by-step guide for each: US, Canada, UK, Australia and Malaysia.

How to choose

1. One stub, US only: Use a free first stub from 123PayStubs, StubCreator or SecurePayStubs, or a free watermarked PDF from PayStub Guru if a watermark doesn't matter.
2. Several stubs: Work out the total, not the price per stub. Twelve stubs cost $2.99 at PayStub Guru, $43.89 to $76.68 at the per-stub sites, and $27.88 or more on a monthly plan.
3. Outside the US: Check the generator actually supports your country's deductions. A US template with "Federal Tax" on it isn't a valid UK or Australian payslip. Our guides list what a payslip must show in the UK, Australia, Canada and Malaysia.
4. Tax forms too: StubCreator, ThePayStubs, PayStubCreator.net, FormPros and Paystub.org also make W-2 and 1099 forms. PayStub Guru doesn't.
5. Refunds matter to you: PayStubCreator.net, SecurePayStubs and ThePayStubs advertise 30-day refunds, and Paystub.org does for a single document. PayStub Guru doesn't give refunds, but you can download a watermarked PDF to check before you pay.

Use a generator honestly

A pay stub generator is for recording pay that was actually paid: an employer paying a few staff without payroll software, a household paying a nanny, a contractor keeping records, or someone replacing a lost stub. Most US states require employers to give a pay stub; the pay stub laws by state table shows which. The figures have to match what was paid. Making a stub to show income you didn't earn, for a loan, a lease or anything else, is fraud, whichever site you use.

Frequently Asked Questions

Q: What is the cheapest pay stub generator? A: For one US stub, a free first stub from 123PayStubs, StubCreator or SecurePayStubs. For two or more stubs, PayStub Guru's flat $2.99 for 24 hours of unlimited PDFs is the lowest paid price of the generators we checked.

Q: Is there a free pay stub generator with no watermark? A: Not for unlimited use. 123PayStubs and SecurePayStubs give one free stub, and StubCreator gives one free stub a year. SecurePayStubs and StubCreator both say their stubs have no watermark. PayStub Guru's free PDFs do carry a watermark.

Q: Which pay stub generators work for Canada? A: Of the sites we checked, PayStub Guru, StubCreator, ThePayStubs, PayStubCreator.net and PayStubs.net make Canadian stubs.

Q: Can I make a UK, Australian or Malaysian payslip with a US pay stub generator? A: None of the US-focused generators we checked offer it. PayStub Guru makes payslips for all three, with that country's deductions. For the UK-only tools, see our UK payslip generator comparison.

Q: Do I need an account? A: Not at PayStub Guru, PayStubCreator.net or StubCreator's free stub. SecurePayStubs ties access to your stubs to an account, and FormPros and Paystub.org's memberships are subscriptions.

Q: How did you check these prices? A: We read each company's own pricing or home page on 27 October 2026, and Paystub.org's on 29 October. We didn't use review sites, because their prices are often out of date. If a price has changed, the vendor's own page is the one to trust.

Want to see your own stub first? Pick your country, fill in the form and download a free watermarked PDF. There's no signup.