1099 / Independent Contractor
1099 Contractor Pay Stub Generator
The only pay stub generator with a dedicated 1099 mode — correct self-employment tax, professional formatting, verified by landlords and lenders.
Generate accurate income verification statements for independent contractors and freelancers. Includes correct self-employment tax (15.3%), estimated federal income tax, and state tax for all 50 states.
4.8/5 · 2,847 reviews
No signup required$6.99 all-in100% money-back guaranteeWhy StubFast?
- Correct self-employment tax rate (15.3%) — unlike W2-only generators
- Federal income tax estimated after SE deduction (reduces taxable income)
- State income tax for all 50 states — including California, Texas, New York
- Professional 'Contractor Income Statement' format
- QR verification code — landlords and lenders can verify online
- No signup required to preview
- $6.99 for clean PDF, no watermark
- 100% money-back guarantee, no exclusions
Common Use Cases
- →Apartment rental applications — most landlords require 2–3 months
- →Mortgage pre-approval — banks require income documentation
- →Car loan or auto financing applications
- →Proof of income for credit card applications
- →Freelance platform income verification
- →Small business loan applications
Frequently Asked Questions
Do 1099 contractors get pay stubs?▼
Employers do not issue pay stubs to 1099 contractors. However, independent contractors often need income verification for apartments, loans, and financial applications. StubFast generates a '1099 Income Statement' that shows gross earnings, estimated self-employment tax (15.3%), and net income — the correct format for contractors.
How is 1099 tax calculated differently from W2?▼
As a 1099 contractor, you pay self-employment (SE) tax at 15.3% (covering both employee and employer portions of Social Security and Medicare). You can deduct half of your SE tax from gross income before calculating federal income tax. Our calculator applies these rules automatically, unlike W2-only generators that apply incorrect FICA withholding to contractor income.
Will my 1099 pay stub be accepted by my landlord?▼
Most landlords accept income statements from contractors when they match IRS documentation (like 1099 forms received). Every StubFast paid stub includes a QR verification code and a unique verification ID that landlords can check at stubfast.com/verify. We recommend pairing stubs with bank statements for additional verification.
What if I work for multiple clients?▼
You can generate separate stubs for each client, or consolidate all income into a single self-employed income statement. For multiple-client scenarios, the self-employed mode lets you enter total earnings and describe your work as 'Consulting Services' or similar.