Free Year-to-Date Pay Stub Generator
Create a pay stub with prominent year-to-date totals: YTD gross earnings, taxes, deductions, and net pay alongside the current period.
Crestline Medical Staffing
5310 Harvest Hill Road, Suite 140, Dallas, TX 75230
EIN: 75-2298416
Phone: (972) 555-0341
Employee Information
Renee C. Okafor
2917 Lakeland Drive, Garland, TX 75041
SSN: ***-**-3382
Employee ID: EMP-1584
Pay Period
11/14/2026
11/27/2026
12/02/2026
Bi-Weekly
Earnings
| Description | Hours | Rate | Amount |
|---|---|---|---|
| Regular Pay | 80.00 | $28.00 | $2240.00 |
| Total Earnings | $2240.00 | ||
Tax Withholdings
| Description | Amount |
|---|---|
| Federal Income Tax | $171.51 |
| Social Security (6.2%) | $138.88 |
| Medicare (1.45%) | $32.48 |
| Total Tax Withholdings | $342.87 |
Pre-Tax Deductions
| Description | Amount |
|---|---|
| 401(k) Contribution | $112.00 |
| Total Pre-Tax Deductions | $112.00 |
Pay Summary
Year-to-Date
$31360.00
$4800.00
$1568.00
$24992.00
Year-to-date figures reflect all pay periods since January 1. Generated with MakeMyPaystub.
Everything on One Stub
Every line is editable, from the employer header to the YTD column.
Prominent YTD Section
Year-to-date gross, taxes, deductions, and net pay displayed as a dedicated block.
Current Period + YTD
Each stub shows this period's pay alongside cumulative annual figures.
Real-time Preview
YTD totals update live as you edit amounts.
Multiple Export Formats
Download as PNG, PDF, or JPEG.
Automatic Calculations
Current-period gross, deductions, and net pay computed automatically.
Lender-Ready Format
The exact YTD figures mortgage lenders and landlords ask to see.
Year-to-Date Pay Stub Example
This is what the finished year-to-date pay stub looks like before you change anything. Swap in your own pay data to make it yours.
Crestline Medical Staffing
5310 Harvest Hill Road, Suite 140, Dallas, TX 75230
EIN: 75-2298416
Phone: (972) 555-0341
Employee Information
Renee C. Okafor
2917 Lakeland Drive, Garland, TX 75041
SSN: ***-**-3382
Employee ID: EMP-1584
Pay Period
11/14/2026
11/27/2026
12/02/2026
Bi-Weekly
Earnings
| Description | Hours | Rate | Amount |
|---|---|---|---|
| Regular Pay | 80.00 | $28.00 | $2240.00 |
| Total Earnings | $2240.00 | ||
Tax Withholdings
| Description | Amount |
|---|---|
| Federal Income Tax | $171.51 |
| Social Security (6.2%) | $138.88 |
| Medicare (1.45%) | $32.48 |
| Total Tax Withholdings | $342.87 |
Pre-Tax Deductions
| Description | Amount |
|---|---|
| 401(k) Contribution | $112.00 |
| Total Pre-Tax Deductions | $112.00 |
Pay Summary
Year-to-Date
$31360.00
$4800.00
$1568.00
$24992.00
Year-to-date figures reflect all pay periods since January 1. Generated with MakeMyPaystub.
How to Make a Year-to-Date Pay Stub
No account needed to start.
Start from this template
The Year-to-Date Pay Stub layout loads with every section labeled.
Swap in real pay data
Replace names, dates, hours, rates, and deductions. Reorder or hide sections by dragging.
Save and download
Export in PDF, PNG, or JPEG, or save it to your account to reuse next pay period.
What's on a Year-to-Date Pay Stub
Know what every line means before you fill it in.
- Current period column
- Earnings, taxes, and deductions for this pay period only.
- YTD column
- The same lines added up from January 1 through this pay date, using the pay date (not the work dates) to decide the year.
- YTD gross
- Total earnings so far this year; roughly annual income times the share of the year elapsed.
- YTD taxes
- Federal income tax, Social Security, and Medicare to date. Social Security stops once YTD wages reach $184,500 in 2026.
- YTD net pay
- Total take-home pay so far this year.
- Pay period count
- Helpful to show which check of the year this is (for example 19 of 26), so YTD can be checked.
Related: What YTD means on a pay stub · Proof of income: what counts · What OASDI tax is
Where a Year-to-Date Pay Stub Comes In
From small employers to the self-employed.
Mortgage Applications
Lenders verify annual income pace from YTD gross figures.
Rental Applications
One YTD stub can stand in for months of paycheck history.
Tax Planning
Track YTD withholdings against your expected annual tax bill.
Mid-Year Checkups
Compare YTD earnings against your annual income goals.
Benefits Verification
Agencies use YTD income to determine program eligibility.
Payroll Reconciliation
Employers confirm cumulative payroll matches their records.
Common Questions, Answered
Year to date (YTD) is the running total of earnings, taxes, and deductions from January 1 through the current pay period. If a stub shows YTD gross of $31,360 in July, that is everything earned so far this calendar year.
Multiply the per-period amount by the number of pay periods completed so far this year. For example, biweekly pay of $2,240 across 14 completed periods gives YTD gross of $31,360. Do the same for each tax and deduction line.
A single paycheck can be unrepresentative: inflated by overtime or a bonus, or reduced by unpaid leave. YTD totals average out those swings and show true annual earning pace, which is why mortgage and rental applications ask for them.
Yes. YTD gross earnings include every form of compensation paid this year: regular wages, overtime, bonuses, and commissions all accumulate into the same YTD figure.
A year-to-date (YTD) pay stub shows cumulative earnings, taxes, and deductions from January 1 through the current pay period, in addition to the current period's amounts. YTD figures let anyone reading the stub (the worker, a lender, or a landlord) see total annual income at a glance without adding up individual paychecks.
Mortgage lenders, landlords, and benefits agencies almost always look at YTD figures rather than a single paycheck, because they reveal income stability across the year. A pay stub with accurate YTD totals can substitute for months of individual stubs and speeds up income verification.
YTD gross earnings since January 1 • YTD federal, state, and FICA taxes withheld • YTD pre-tax and post-tax deductions • YTD net pay • Current pay period earnings for comparison • Pay period and pay date establishing the as-of point
YTD gross should equal the sum of gross pay from every pay period this calendar year. • To estimate YTD from a mid-year start: multiply per-period gross by the number of completed periods. • YTD figures reset on January 1, so a stub from early January will show small YTD numbers. • Check that YTD Social Security stops accumulating once earnings pass the annual wage base limit.
Yes! Our pay stub generator is completely free to use. You can create, customize, and export pay stubs without any cost. There is no signup and no watermark.
Our tool generates professional-looking pay stubs that can be used for personal record-keeping, proof of income for rental applications, loan applications, and similar purposes. However, pay stubs should accurately reflect actual wages paid. Falsifying pay stub information is illegal.
Related Templates
Other layouts that might fit your pay setup.
Build Your Year-to-Date Pay Stub in Minutes
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