Best Paystub Generators of April 2025
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Paycheck Stub Creators: What You Need to Know

Whether you are being mandated by the government or just responding to a suggestion from your accounting department, paycheck stubs are always a good idea. Of course, you don't want to waste valuable resources, calculating, drafting, printing, and distributing your paystubs every month. Instead, efficient business owners opt for 1 of 2 choices: paystub generators or payroll services that provide paycheck stub generation.

What’s the difference between these 2 options and which one is right for your business? You’ve got a lot of questions, and we’ve got the answers. So, let’s dive right in.

Why Are Paycheck Stubs Important?

Before we explain how to get these slips of information, it's a good idea to highlight why paycheck stubs are so important, anyway. For one thing, most states require that you as an employer give your employees paystubs. Note, it is not required by federal law, but most states have some sort of legal requirement about paystubs.

What's more, paycheck stubs are excellent for accounting purposes. The last thing you really want to do at the end of the year is scramble around for data to make frenzied calculations about your employees' earnings, tax deductions, 401Ks, and more. Paystubs help you keep all of this important information carefully filed, stored, and organized for future reference.

Finally, since these small slips of paper (or digital files, depending on how you process payroll) involve complicated laws and ever-changing regulations, a business could potentially get into a heap of trouble without them. We’re talking major fines, legal action, and a mess of lawyer fees. So, cover your bases, and hand out paystubs.

What Does a Paycheck Stub Generator Provide?

Ok, so now that you know why you need paycheck stubs, let’s get back to your 2 options. As mentioned, you can opt for a paycheck stub generator. Generators will take your payroll information, crunch out the pertinent numbers, and print or digitize a paystub for each employee. There are a few benefits to this option:

• Convenience

Paycheck stub generators are found online in droves. You can do a fast Google search and come up with hundreds in seconds.

• Cost

What’s more, paycheck stub generators are almost always free, or cost next to nothing to use.

With those 2 benefits combined, it seems hard to understand why so many businesses opt for the second choice at all. But as you can see from the stats, the vast majority of companies prefer a for-pay payroll software or service over the free generators available online.

Why?

Well, let’s look at the cons that come with paystub generators:

• Cost

Wait a minute. Didn’t we list that as a benefit? Yes, but the old adage is definitely applicable here. You really get what you pay for with free generators. The quality of your paycheck stubs is questionable at best and downright embarrassing at worst. In fact, you can get paycheck stubs that are completely wrong or missing information. And what good does that do you?

• Accountability

Since these services are free, there’s no accountability, and no one to turn to when mistakes happen. As it turns out, free paycheck stub generators don’t check their work at all. So, the paystubs are riddled with misinformation. The problem with this is, as mentioned earlier, misfiled paystubs spell disaster for a business. And disaster that can amount to thousands of dollars in fines and legal transactions.

Why Do I Need Payroll software?

Anyone who deals with payroll knows just how complex and time-consuming of a task it is to make sure all employees' paychecks are accurate, and how often it distracts you from working on what matters most for your job or your business. Payroll software solutions on the market today solve that problem altogether—instead of keeping up with your state’s tax regulations, payroll software solutions automatically calculate, deduct, and submit your forms to ensure you’re compliant at all times. This doesn’t just save you time, it protects you from pricey fines that come with making tax errors and missing deadlines. Add to that the piles paperwork that are no longer needed thanks to employee self-service portals through which anyone can access their forms. Bottom line - doing your payroll online can help streamline your day-to-day.

User Testimonials

“Compliance is a big thing that I know little about. With requirements always changing, it’s nice to have a solution that does it all for me...Now with Gusto, new hire reports are submitted automatically and all payroll taxes are filed....”

Rabee Ikkawi, co-founder of children’s clothing line, Kids Atelier

Read the Gusto review or visit their site

“...ADP has helped us streamline the payroll process – it’s now much easier and more efficient. I can log on to the website from anywhere and process payroll in 45 minutes to an hour.”

Tameka Brown, Senior Vice President of HR at InFirst Federal Credit Union

Read the ADP review or visit their site

“Deluxe Payroll understands the unique needs of the construction industry and are they unbelievably responsive. They are accurate, friendly and take care of any issues quickly and completely.”

Mike Henderson President ABC Baltimore

Read the Deluxe review or visit their site

How Easy-to-use Is It?

The interface for your online business payroll system should be intuitive and you should be able to make updates and add new employees quickly and easily. It should be the type of system that all of your team members can use if need be, without any lengthy training process or background in IT. Setting up your complete payroll solution should be straightforward and easy with a short and painless onboarding process for your team members. Whenever you have new team members, onboarding them should be quick enough to where you never miss a beat.

How Much Will It Cost?

The cost varies between solutions, but they all follow a similar pricing structure in which there’s a flat base fee per month or per payment period that ranges between $20 to $100. Most services also charge $1-$15 per employee per month or payment period. Some solutions charge extra for more advanced features such as paying taxes and printing W-2 forms for employees, or for paying workers via direct deposit.

What Size Organizations Can Use It?

Online business payroll software is available for organizations of all sizes. It can help small companies and also large enterprise businesses deal with the headaches and twists and turns of tax compliance, as well as making sure that all of your hours and labor costs are taken care of. Most complete payroll solutions offer small business- as well as corporate payroll services.

Is There Technical Support Available?

Most payroll software providers have online help centers and dedicated customer support teams available via phone, chat, or email, though they vary in their response times. Some even have US-based teams with dedicated managers, providing an extra layer of support to your technical issues.

What Payment Methods Are Available?

Payroll platforms can help you streamline your business by offering the most common and comfortable payment method for employees today: direct deposit to their bank accounts. In most cases, direct deposit comes standard, and does not cost any extra. You can still pay employees with paychecks if you choose. This is particularly useful for paying independent contractors. For businesses in the service industry, platforms such as Gusto can also help you manage tip credits.

What About Processing Tax Forms, Like W2s and 1099s?

Keeping your business tax compliant is a key benefit of a payroll software, and automatic generation of tax forms, such as W-2s and 1099s is a must, which all of the leading payroll platforms include.

Start Streamlining Your Payroll Process and Saving Time

Paying employees promptly and properly, while staying compliant with tax regulations and the benefits regime can be a time-consuming business that takes you away from more important work. Getting the right payroll software with complete payroll services can give you this valuable time back to grow your business in a worry-free, organized and compliant environment.