#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.
We earn nothing from these links, and no vendor paid for placement.
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 |
| Privacy policy | 123PayStubs privacy policy checked 20 October 2026 |
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 30 stated pay stub templates.
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 4,580 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.