How do I show proof of income as an Instacart shopper?

Use in-app earnings summaries, bank statements showing Instacart deposits, the annual 1099-NEC, a profit and loss statement, or a self-generated pay stub reflecting your real earnings.

Can I make a pay stub for Instacart income?

Yes. Gig workers can legally generate their own pay stubs to document real income. The figures must match your actual Instacart earnings and bank deposits.

What can I use an Instacart pay stub for?

Shoppers commonly use pay stubs for apartment applications, car and personal loans, and income verification, usually alongside bank statements that confirm the deposits.

How to Get a Pay Stub as an Instacart Shopper

Instacart pays you for every batch — but it never hands you a pay stub. When a landlord or lender wants proof of income, here's how shoppers turn app earnings into documents that count.

Does Instacart Give Pay Stubs?

No. Instacart classifies shoppers as independent contractors. There's no payroll and no tax withholding, so no pay stub. What you get is:

Earnings summaries in the Shopper app (batch pay, tips, and promotions)
Deposits to your bank or Instant Cashout
An annual 1099-NEC if you earned $600 or more

Why Shoppers Need Proof of Income

You'll be asked to verify income when you apply for an apartment, finance a car, or take out a loan. Without pay stubs, you assemble proof from what you do have.

5 Ways to Prove Instacart Income

Earnings screenshots — fast, but often seen as easy to edit
Bank statements — show consistent Instacart deposits over 2–3 months
1099-NEC — proves last year's annual income
Profit & loss statement — earnings minus mileage, phone, and supplies
A self-generated pay stub — your real earnings in a standard format

Account for Your Expenses

Your deposits aren't pure profit — mileage and supplies reduce real earnings. A gig worker profit and loss statement captures that net figure, which is what lenders weigh most.

How to Create an Instacart Pay Stub

Pull your real earnings from the Shopper app for the pay period
Choose the gig worker stub type
Enter your name, payer, and earnings — taxes estimate automatically
Preview live, then download a free preview or a clean PDF for $6.99

Document real income only. A pay stub based on your actual Instacart earnings is a legitimate record; inventing or inflating numbers to qualify for housing or credit is fraud.