StubzPro comparisons
Pay Stub Generator vs Payroll Service
Last checked October 2026
Make a pay stub, $3.99Compare the types of tools
| Feature | Pay stub generator | Household/small business payroll service | Free blank template |
|---|---|---|---|
| What it does | Makes a pay stub from the figures you enter | Runs payroll, including withholding and tax filings | Provides a layout; you type every number |
| Who files the taxes | You | The service | You |
| W-2s | You | The service | You |
| Typical cost model | Per stub | Monthly fee | Free |
| Best for | Employers who handle filings and need a pay record | Employers who want payroll and filings handled for them | People who can enter and check every figure themselves |
When a payroll service is the better choice
- You would rather not file Schedule H, state unemployment returns or W-2s yourself.
- You have several employees and want payroll handled for you.
- You want direct deposit.
When a pay stub generator is enough
You already handle the filings, pay one household employee or a few employees, and want a record each payday. A generator handles the document step; your tax filings and wage payments remain separate.
See the nanny tax calculator for household employment tax estimates.
FAQ
Does a pay stub generator file my taxes?
No. It only makes the stub. You (or a payroll service) still file and pay the taxes.
Do I still need a W-2 if I use a pay stub generator?
Yes, if the IRS rules require one. For a household employee in 2026, that's when you pay $3,000 or more in Social Security and Medicare wages, or when you withhold income tax (IRS Publication 926).
How much does a pay stub cost on StubzPro?
$3.99 per stub. You can preview it free, and you don't need an account.
Source: IRS Publication 926.
Also read: Choosing a Pay Stub Generator for Nannies and Small Employers
Document wages you actually paid.
Preview free. $3.99 per stub. No account or subscription.
For real wages only. Use StubzPro to record pay you actually paid. Never make a stub to show income that wasn't earned; doing so can be illegal. This page is general information, not legal or tax advice. Figures are for 2026 and can change.