Your last pay stub and W-2 show different numbers? Here's why they don't match and what to do about it. Common discrepancies explained with examples.
It's January, you just got your W-2, and the numbers don't match your last pay stub of the year. Before you panic, know this: small differences are normal and expected. Here's why.
Example: - YTD Gross on pay stub: $65,000 - 401(k) contributions: $6,000 - Health insurance premiums: $3,600 - HSA contributions: $2,000 - W-2 Box 1: $53,400 ($65,000 − $11,600)
This is the most common reason for the difference and it's completely normal.
Published by the BestPaystubGen Editorial Team, covering paystubs, payroll compliance, federal and state taxes, W-2 forms, 1099 contractors, FICA, gross vs net pay, and IRS regulations updated for 2026.
This paystub generator is a simulation/mockup tool for personal record-keeping and verification purposes only.