#4 of 10 in our directory
123PayStubs review: pricing and limits
123PayStubs is an online paystub generator that costs $3.99 per stub, calculates federal, state and FICA withholding automatically, and offers a free tier. It covers 1 document type — Pay stub. States covered: all 50 states. Price checked 6 September 2026.
Everything on this page is what 123PayStubs states about itself, checked 6 September 2026, except where a value is marked verified. Compare it against the rest of the list in our directory of paystub generators.
What 123PayStubs states
| Attribute | Value |
|---|---|
| Price per stub | $3.99 (vendor-stated, Vendor homepage, checked 6 September 2026. Stated as no subscription and no monthly fee.) Source: Vendor homepage as of 6 September 2026 |
| Free tier | Yes (vendor-stated, Vendor homepage, checked 6 September 2026. First stub free.) Source: Vendor homepage |
| Watermark on preview | Yes (verified, Hands-on check by our editorial team, checked 6 September 2026. Confirmed by hand across all ten tools: the on-screen preview carries a watermark and the purchased PDF does not.) |
| Watermark on free download | Not stated by the vendor (checked 6 September 2026) |
| Automatic tax calculation | Yes (vendor-stated, Vendor homepage, checked 6 September 2026. Federal income tax, state tax, Social Security and Medicare.) Source: Vendor homepage |
| States covered | All 50 states (vendor-stated, Vendor homepage, checked 6 September 2026) Source: Vendor homepage |
| Documents produced | Pay stub (vendor-stated, Vendor homepage, checked 6 September 2026) Source: Vendor homepage |
| Templates | 30 (vendor-stated, Vendor homepage, checked 6 September 2026. Stated as '30 Professional Templates, All Free to Use'.) Source: Vendor homepage |
| Delivery | Instant PDF download; email or print (vendor-stated, Vendor homepage, checked 6 September 2026) Source: Vendor homepage |
| Refund policy | Refund policy page linked; terms not stated on homepage (vendor-stated, Vendor homepage, checked 6 September 2026) Source: Vendor homepage |
| Support | Knowledge base and contact form; no phone stated (vendor-stated, Vendor homepage, checked 6 September 2026) Source: Vendor homepage |
What it does well
- Free tier: first stub free.
- Calculates tax withholding automatically from the figures you enter.
- 30 pay stub templates stated.
Limitations
- Pay stubs only.
- No phone support stated.
Who it suits
Low per-stub cost without a subscription, and the widest stated template selection.
That is our editorial view, formed from the vendor’s published information. It is not a test result — we have not run this tool end to end.
123PayStubs shows a rating of 4.8/5 from 4,541 reviews on Google Play (companion app). We did not collect or verify those reviews and we do not publish a rating of our own.
Alternatives to 123PayStubs
Compare it against the rest of the list in our side-by-side table of paystub generators, or read about these three:
People who need more than a stub — W-2s, 1099s and employment verification from one place.
Anyone who also needs W-2s, 1099s or other IRS forms from the same account.
A low per-stub price with a free first stub, and it handles state-specific items like California SDI and NYC local tax.
Back to the directory of paystub generators.