Templates & Examples
Pay Stub Format Explained: Standard Layout and Fields
Standard Pay Stub Format
While pay stub designs vary, most follow a standard format with consistent sections and information.
Layout Structure
Top Section: Identification
- Company logo and name
- Company address and EIN
- Employee name and ID
- Pay date and check number
Middle-Left: Earnings
- Detailed earnings by type
- Hours worked (regular and OT)
- Pay rates
- Current period totals
Middle-Right: Deductions
- Tax withholdings
- Insurance premiums
- Retirement contributions
- Other deductions
Bottom: Summary
- Gross pay
- Total deductions
- Net pay (take-home)
- YTD totals for all categories
Common Pay Stub Abbreviations
| Abbreviation | Meaning |
|---|---|
| REG | Regular pay |
| OT | Overtime pay |
| HOL | Holiday pay |
| PTO | Paid time off |
| FIT / FWT | Federal income tax |
| SIT / SWT | State income tax |
| SS / OASDI | Social Security |
| MED | Medicare |
| 401K | Retirement contribution |
| DEN | Dental insurance |
| VIS | Vision insurance |
| LTD | Long-term disability |
| STD | Short-term disability |
| LIFE | Life insurance |
| HSA | Health savings account |
| FSA | Flexible spending account |
| GARN | Garnishment |
| YTD | Year-to-date |
Digital vs. Paper Format
Modern pay stubs are typically electronic, accessible through employer portals. Digital formats offer advantages like easy storage, search, and sharing.
Professional Pay Stub Standards
A professional pay stub should be:
- Clear — Easy to read with logical organization
- Complete — All legally required information included
- Accurate — Correct calculations verified
- Consistent — Same format every pay period
- Secure — Protected personal information
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Sample Pay Stub Example: See What a Real Pay Stub Looks Like
See a complete sample pay stub with every section explained. Understand how gross pay becomes net pay through deductions.