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
07/23/2026
08/05/2026
08/10/2026
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 | $291.00 |
| Social Security (6.2%) | $138.88 |
| Medicare (1.45%) | $32.48 |
| Total Tax Withholdings | $462.36 |
Pre-Tax Deductions
| Description | Amount |
|---|---|
| 401(k) Contribution | $112.00 |
| Total Pre-Tax Deductions | $112.00 |
Pay Summary
Year-to-Date
$31360.00
$6473.00
$1568.00
$23319.00
Year-to-date figures reflect all pay periods since January 1. Generated with MakeMyPaystub.
Features
Everything you need to create professional year-to-date pay stubs.
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
The example below is a complete year-to-date pay stub created with this template — showing the pay period, earnings, tax withholdings, deductions, and net pay exactly as they appear in your downloaded PDF. Replace the sample data with your own to create 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
07/23/2026
08/05/2026
08/10/2026
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 | $291.00 |
| Social Security (6.2%) | $138.88 |
| Medicare (1.45%) | $32.48 |
| Total Tax Withholdings | $462.36 |
Pre-Tax Deductions
| Description | Amount |
|---|---|
| 401(k) Contribution | $112.00 |
| Total Pre-Tax Deductions | $112.00 |
Pay Summary
Year-to-Date
$31360.00
$6473.00
$1568.00
$23319.00
Year-to-date figures reflect all pay periods since January 1. Generated with MakeMyPaystub.
How It Works
Create your year-to-date pay stub in three simple steps.
Choose Template
Start with the Year-to-Date Pay Stub template pre-loaded with realistic sample data and industry-standard formatting.
Customize Details
Edit employer info, employee details, earnings, deductions, and tax withholdings. Drag and drop sections to reorder.
Download
Preview your pay stub in real time and download it as a high-quality PNG, PDF, or JPEG file.
Who Uses This Template
The Year-to-Date Pay Stub template is designed for a variety of use cases.
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.
Year-to-Date Pay Stub - Frequently Asked Questions
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.
Yes! Our pay stub generator is completely free to use. You can create, customize, and export pay stubs without any cost. Pro features like watermark-free exports are available with an optional upgrade.
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.
You can export your pay stub as a PNG image (high quality), PDF document (print-ready), or JPEG image (smaller file size). All formats produce professional, clean output.
Absolutely. You can add, remove, reorder, and customize every section of your pay stub using our drag-and-drop builder. Add earnings, deductions, tax withholdings, and more.
No account is needed to create and export pay stubs. Creating an account allows you to save your pay stubs for later access and editing.
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