Learn how self-employed workers, freelancers, and 1099 contractors can create pay stubs for income verification, loans, and rental applications.
If you're self-employed, a freelancer, or an independent contractor, you know the challenge: you need proof of income, but you don't have an employer handing you pay stubs. Whether you're applying for a mortgage, renting an apartment, or filing taxes, having professional pay stubs is essential.
As a self-employed individual, you pay both the employee and employer portions of FICA taxes:
Additionally, you owe federal and state income taxes on your net self-employment income (gross income minus business expenses).
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.