Nanny & Caregiver Pay Stub Generator
Pay stubs for the nanny, caregiver, housekeeper or cleaner you employ at home, with 2026 Social Security and Medicare worked out for you, overtime on its own line, and year-to-date totals that make the W-2 easy.
PayStub Guru is NOT a bank, employer, government agency, or financial institution. We provide pay stub generation tools for legitimate record-keeping purposes only. Generated documents are not official employer records and must not be used for fraudulent purposes. This page is general information, not tax advice. Read Legal FAQ
Filling in a pay stub for your nanny
- Employer: Your own name and address work as the employer.
- Employee: Your nanny or caregiver's name. Only the last four digits of an SSN print.
- Pay: Choose hourly or salary, weekly or every two weeks, and your state, so state payroll lines are included.
- Earnings: Add overtime as its own line with hours and a rate, for example 1.5 × the hourly rate.
- Taxes: If you don't withhold federal income tax, type 0 over the federal tax line. Social Security and Medicare are worked out for you.
- YTD: Include year-to-date totals so the W-2 adds up at the end of the year.
Pay Stub Information
Tax rates last updated October 22, 2026. Sources: IRS, SSA, state tax agencies and Tax Foundation.
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The nanny tax in 2026
| Social Security and Medicare | Once you pay one household employee $3,000 or more in cash wages in 2026, withhold 6.2% for Social Security and 1.45% for Medicare from all their wages that year, and pay the same again as the employer. Wages paid to an employee under 18 (unless household work is their main job) and to some family members don't count. |
| Federal income tax | Not required. Withhold it only if the employee asks you to and you agree, using their Form W-4. |
| Federal unemployment (FUTA) | Paid by you, not deducted from pay, if you pay $1,000 or more in cash wages to household employees in any calendar quarter. |
| State taxes | State unemployment, and in some states disability or paid family leave contributions, can apply to household employers. State income tax withholding rules for household employees vary by state. |
| At the end of the year | Give your employee a Form W-2 by January 31, and report the taxes on Schedule H with your Form 1040. You need an employer identification number (EIN) for both. |
Source: IRS Publication 926, Household Employer's Tax Guide, for 2026.
Sample nanny pay stub
$25.00 an hour, 40 hours in a week, in Texas (no state income tax), no federal income tax withheld
| Regular pay: 40 × $25.00 | $1,000.00 |
| Social Security (6.2%) | −$62.00 |
| Medicare (1.45%) | −$14.50 |
| Federal income tax (not withheld) | $0.00 |
| Net pay | $923.50 |
You also pay $76.50 as the employer's share of Social Security and Medicare, plus any federal and state unemployment tax; those don't come out of your nanny's pay. If your nanny asks you to withhold federal income tax and files a W-4 as single, the generator works out $78.08 a week, for $845.42 net.
Nanny pay stub FAQ
Do I have to give my nanny pay stubs?
Federal law doesn't require pay stubs, but many states do, including for household workers. They also show your nanny exactly what was withheld, and the year-to-date totals make the W-2 easy. See the pay stub laws for all 50 states.
What is the nanny tax for 2026?
If you pay a household employee $3,000 or more in cash wages in 2026, you withhold 6.2% Social Security and 1.45% Medicare from their pay and pay the same amount yourself. If you pay $1,000 or more in a quarter, you also owe federal unemployment tax. Federal income tax withholding is optional and only by agreement.
Do I have to withhold federal income tax from my nanny's pay?
No. You only withhold it if your nanny asks and you agree. If you don't, type 0 over the federal tax line in the generator and the stub shows Social Security and Medicare only.
Do nannies get overtime?
Under federal law, a nanny who doesn't live in your home gets overtime at 1.5 times the regular rate for hours over 40 in a workweek. Live-in workers are exempt from federal overtime, but some states, such as California and New York, have their own rules for them.
Is a nanny from an agency my employee?
Usually not, if the agency controls the work and pays the nanny; then the agency handles pay and taxes. If you decide how the work is done, the nanny is generally your household employee, even if you found them through an agency.
Does this file my taxes or make the W-2?
No. It makes the pay stubs. You still file Schedule H with your Form 1040 and give a W-2 by January 31; the stubs' year-to-date totals give you the figures.
Important Legal Information
Please read these carefully before using our service. Misuse of generated documents is illegal and has serious consequences.
We Are NOT a Bank, Employer, or Government Agency
PayStub Guru is an independent software service. We are not affiliated with any: banks, employers, government agencies, tax authorities (IRS, HMRC, CRA, ATO, LHDN), financial institutions, or payroll companies. We do not verify employment or income. We provide software tools only.
Yes, it is completely legal to use a pay stub generator for legitimate purposes such as record-keeping, bookkeeping, or understanding payroll calculations. However, using generated pay stubs for fraudulent purposes (like misrepresenting income for loans or apartments) is illegal and constitutes fraud.
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