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How to Read Your Pay Stub

Walks employees through the sections of a pay stub, from work information and earnings through deductions, taxes, direct deposit and PTO. Also shows how to find and open past stubs as PDFs.

Your pay stub breaks one pay period into labelled sections — work information, hours and earnings, deductions, taxes, direct deposit, employer paid benefits and PTO — each showing a current-period amount and a year-to-date total.

Finding and opening your pay stubs

The Pay Stubs panel provides historical access to pay stubs. A list of available stubs, displaying pay period and check type, is listed in date order.

  1. Select a pay period link to open the corresponding check stub as a PDF document.
  2. Based on your web browser, the pay stub will display in a new window or a new tab.
  3. Print the document or save it to your local hard drive as you would with any other PDF document.

Note: This pay stub is a non-negotiable document and therefore cannot be cashed.

What each section of the pay stub shows

SectionWhat it shows
Company and PersonNames and addresses for both sides the paycheck represents
Work InformationEmployer and employment identifiers
Pay UnitThe dates the paycheck covers and your payroll group
Hours and EarningsHow your gross pay is calculated
DeductionsYour contribution to each benefit plan enrolled for the pay period
Direct DepositThe distribution of compensation between accounts
Tax InformationPersonal federal and state tax elections and allowances
Employer Paid BenefitsYour employer's contribution to the benefit plans
TaxesAll taxes withheld from your compensation
Paid Time Off InformationPTO plan balances and activity
Pay DetailsGross pay, total taxes and deductions, from which net pay is calculated

Company and Person section

In the Company and Person sections, you can see the two sides the paycheck represents, such as company and employee. In both sections you can see the names and addresses for both sides.

Work Information section

In the Work Information section, you can see:

  • The company Federal Employer Identification Number (FEIN)
  • Employee ID
  • Hire date
  • FLSA code — Exempt or Non-Exempt
  • Department
  • Position
  • Social Security Number (SSN)
  • Pay Unit

Pay Unit section

Each paycheck represents a pay period, and in the Pay Unit section you can find:

  • Period Beginning Date
  • Period End Date
  • Check Date
  • Pay Unit. The Pay Unit indicates the payroll group you belong to in the company. The people in this group share the same pay periods.

Hours and Earnings section

In the Hours and Earnings section, you can see how your gross pay is calculated. The information in this section depends on the earnings type.

  • Earning column: the segments that constitute your gross pay — for example, regular salary, regular hourly, overtime, imputed income and others.
  • Non-Tax column: if you see YES, the current amount in this row is not added to the Total Taxable amount.
  • Current: the total hours you have worked, the average hourly pay rates, and the total gross pay amounts by segment for this pay period.
  • YTD (year-to-date): the hours and amounts that have accumulated since the start of the calendar year.
  • Total Taxable row: your current and year-to-date taxable amounts. The name of the row, Gross (Taxable + Non-Tax - Imputed), indicates the way gross pay is calculated.

Note: If work is calculated on an hourly basis and reported on a daily basis, the pay statement will also be calculated on a daily basis.

How the Overtime Daily rate is displayed

The Overtime Daily record gives you accurate information on your total worked hours and compensation. The hourly rate displayed on your pay stub is adjusted between your actual hours and compensation.

Example — a person paid for two overtime types with the same hourly rate of 1.5:

  • 33 x 1.5 = 49.50
  • On the pay stub, the displayed Overtime Daily rate is calculated by dividing the pay amount (15.85) by the sum of overtime hours (0.23 + 0.09 = 0.32). That is 15.85 / 0.32 = 49.53.

the original article included a sample pay stub image labelling these sections: Company, Work Information, Tax Information, Person, Pay Unit, Hours and Earnings, Employer Paid Benefits, Taxes, Deductions, Paid Time Off Information, Direct Deposit and Pay Details. Each is described in text below, so the image is illustrative only. Re-add it if you want a visual reference.

Deductions section

In the Deductions section, you can see your contribution to each benefit plan enrolled for the pay period. The Deductions section gives the deduction amounts for the pay period and the accumulation year-to-date.

Direct Deposit section

In the Direct Deposit section, you can see the distribution of compensation between accounts.

Tax Information section

The Tax Information section provides information on personal federal and state taxes elections and allowances.

Employer Paid Benefits section

The Employer Paid Benefits section provides information on the contribution your employer has made to the benefit plans for the pay period and year-to-date.

Taxes section

In the Taxes section you can see a list of all taxes withheld from your compensation for the pay period and year-to-date.

Paid Time Off Information section

ColumnWhat it indicates
DescriptionThe name of the PTO plan
Start BalancePTO hours accumulated before the start of the pay period
AdjustmentAny corrections made to the total amount of PTO hours this pay period
EarnedThe amount of PTO hours accumulated for this pay period
TakenThe amount of PTO hours used during the pay period
End BalanceThe amount of PTO hours at the end of the pay period

Pay Details section

The Pay Details section consists of gross pay, total taxes and deductions, from which the net pay is calculated.

Frequently asked questions

Can I cash my pay stub?

No. The pay stub is a non-negotiable document and cannot be cashed. You can print it or save it to your local hard drive as you would any other PDF document.

Where do I find my old pay stubs?

The Pay Stubs panel provides historical access to pay stubs, listing the available stubs by pay period and check type in date order. Selecting a pay period link opens that check stub as a PDF in a new window or tab, depending on your web browser.

What does YTD mean on my pay stub?

YTD stands for year-to-date. In the Hours and Earnings section, the YTD columns show the hours and amounts that have accumulated since the start of the calendar year, while the Current columns show the figures for this pay period only.

What does the Non-Tax column mean?

In the Hours and Earnings section, if the Non-Tax column shows YES, the amount in that row is not added to the Total Taxable amount.

How is my gross pay calculated on the pay stub?

The Total Taxable row is labeled Gross (Taxable + Non-Tax - Imputed), which shows how gross pay is calculated. The Pay Details section then takes gross pay, total taxes, and deductions to arrive at your net pay.

Still have questions around reading your pay stub?
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