Pay Stub & Income Guides

Everything freelancers, gig workers, and self-employed individuals need to know about pay stubs, taxes, and proving income to landlords and lenders.

Basics
6 min read·January 15, 2025

What Is a Pay Stub? A Complete Guide

A pay stub (also called a paycheck stub or earnings statement) is a document that shows your earnings and deductions for a pay period. Learn exactly what it contains and why you need one.

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Tax Basics
8 min read

1099 vs W2: What's the Difference and Why It Matters

Are you an employee (W2) or independent contractor (1099)? The classification affects your taxes, benefits, and how you document income. Here's everything you need to know.

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1099 Contractors
5 min read

Do 1099 Workers Get Pay Stubs?

1099 contractors don't receive traditional pay stubs from employers — but you can (and should) create your own. We explain why, and how to do it in 60 seconds.

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Freelancers
7 min read

How to Make Proof of Income as a Freelancer

Landlords and lenders require income proof that freelancers rarely have. Here are 6 documents you can use — and how a pay stub generator solves the problem instantly.

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Gig Workers
5 min read

Can Uber Drivers Get Pay Stubs? Here's What You Need to Know

Uber doesn't issue pay stubs — the app only shows weekly earnings summaries. Learn how gig drivers can create income verification documents for apartment and loan applications.

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Self-Employed
9 min read

Self-Employed Income Verification: 7 Ways to Prove Your Income

Banks, landlords, and lenders trust W2 paperwork — but self-employed income is harder to prove. Here are the 7 most accepted methods for self-employed income verification.

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Renters
6 min read

Pay Stub Requirements for Apartment Applications

Most landlords ask for 2–3 recent pay stubs. Learn exactly what information they look for, what format they expect, and what to do if you're self-employed or a gig worker.

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Self-Employed
8 min read

Proof of Income When You're Self-Employed

No W-2 or employer pay stub? Here are the documents self-employed workers use to prove income for apartments, loans, and lenders — and how to prepare them fast.

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Loans
7 min read

Proof of Income for a Car Loan

See exactly what income documents auto lenders accept — including from self-employed and gig workers — and how to prepare proof of income before you apply.

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1099 Contractors
7 min read

How to Make a Pay Stub as an Independent Contractor

Independent contractors don't get employer pay stubs. Learn how to create an accurate 1099 contractor pay stub for apartments, loans, and income verification.

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Self-Employed
7 min read

How to Make a Self-Employed Pay Stub

A step-by-step guide to creating an accurate self-employed pay stub for apartments, loans, and income verification — what to include and how taxes work.

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Gig Workers
6 min read

How to Get a Pay Stub as a DoorDash Driver

DoorDash doesn't issue pay stubs — just weekly earnings and a 1099. Learn how Dashers create proof of income for apartments, loans, and verification.

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Basics
8 min read

Proof of Income Documents: What Actually Counts

A complete list of proof of income documents landlords and lenders accept — pay stubs, tax returns, bank statements, 1099s, and letters — with examples.

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Renters
7 min read

How Do Apartments Verify Income?

Learn exactly how landlords verify income — the documents they request, the 3x rent rule, and what self-employed and gig renters should submit to get approved.

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Loans
8 min read

Proof of Income for a Mortgage (Self-Employed)

What mortgage lenders accept as proof of income — especially if you're self-employed. Tax returns, P&L statements, bank statements, and how to prepare.

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Basics
7 min read

How to Write a Proof of Income Letter (+ Template)

What to include in a proof of income letter, plus a copy-paste template you can use in two minutes — ideal for self-employed, freelancers, and gig workers.

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Self-Employed
7 min read

How to Show Proof of Income Without Pay Stubs

No pay stubs? Here are the documents that prove income for the self-employed, gig workers, and cash earners — and how to combine them for approval.

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Self-Employed
6 min read

How to Prove Income When You're Paid in Cash

Paid in cash? Learn how to document and prove your income for apartments and loans — deposit records, a pay stub, a P&L, and bookkeeping that holds up.

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