A pay stub, at its core, is a detailed record provided by an employer to an employee, outlining the breakdown of their gross earnings, deductions, and net pay for a specific pay period. Think of it as a financial report card for your work—a critical document that provides transparency into how your wages are calculated and where every penny goes. It’s more than just a piece of paper. it’s a crucial tool for financial literacy, budgeting, and ensuring accuracy in your compensation. Understanding your pay stub is akin to understanding the ingredients in a meal. it empowers you to verify that you’re being paid correctly and helps you manage your personal finances effectively, from tracking income for loan applications to verifying contributions for retirement or taxes.

Table of Contents

Decoding Your Pay Stub: The Essentials

Understanding your pay stub is a foundational step in managing your personal finances. It’s not just a record of your earnings.

It’s a window into how your income is taxed, what benefits you’re contributing to, and what your actual take-home pay is.

Many people glance at the net pay amount and move on, but a deeper dive reveals critical information that impacts your financial well-being.

Gross Pay vs. Net Pay: The Fundamental Distinction

The first distinction you’ll notice on any pay stub is the difference between gross pay and net pay. This isn’t just financial jargon. it’s the basis of all compensation.

Gross Pay: This is your total earnings before any deductions are taken out. For hourly employees, it’s your hourly rate multiplied by the number of hours worked, plus any overtime. For salaried employees, it’s your agreed-upon salary for the pay period. It might also include bonuses, commissions, or tips. For example, if you earn $25/hour and work 80 hours in a two-week pay period, your gross pay would be $2,000.
Net Pay Take-Home Pay: This is the amount of money you actually receive after all taxes, benefits, and other deductions have been subtracted from your gross pay. It’s the number that hits your bank account. In 2023, the average difference between gross and net pay in the U.S. can range from 20% to 35%, depending on income level, state taxes, and benefit elections. This means if your gross pay is $2,000, your net pay might be closer to $1,300 – $1,600.

Understanding these two figures is paramount. Workful skip payroll

Your gross pay is what you “earn,” but your net pay is what you “have.” Misunderstanding this can lead to budgeting errors.

Employee and Employer Information: Verifying the Source

Every pay stub begins with identifying information for both you and your employer.

This might seem mundane, but it’s crucial for record-keeping and verification.

Employee Information: This section typically includes your full legal name, address, employee ID number, and often your Social Security Number SSN or Taxpayer Identification Number TIN. Always double-check this information for accuracy. Errors here can lead to issues with tax filings or benefit enrollments.
Employer Information: This includes the company’s legal name, address, and Employer Identification Number EIN. The EIN is essentially the company’s Social Security Number for tax purposes. This information is vital for tax season, especially when filing W-2 forms.

Ensuring this data is correct prevents headaches down the line, particularly when dealing with government agencies or financial institutions.

Unpacking Deductions: Where Does Your Money Go?

Once you understand gross pay, the next logical step is to explore the deductions. Workful status

This is where your gross pay is reduced to reach your net pay.

Deductions fall into two main categories: mandatory and voluntary.

Mandatory Deductions: Taxes You Can’t Avoid

These are amounts required by law to be withheld from your paycheck. They fund government programs and services.

Federal Income Tax: This is a progressive tax, meaning the more you earn, the higher percentage you pay. The amount withheld depends on your income, filing status single, married, etc., and the allowances you claim on your W-4 form. For example, a single individual earning $50,000 annually might see roughly 10-12% of their gross pay withheld for federal income tax, assuming standard deductions. In 2023, the federal income tax brackets ranged from 10% to 37%.
State Income Tax: Not all states have state income tax e.g., Texas, Florida, Washington, Nevada, South Dakota, Wyoming, Alaska, New Hampshire, Tennessee. For states that do, the rates vary significantly. California, for instance, has one of the highest state income tax rates, ranging from 1% to 12.3%, while states like Pennsylvania have a flat rate of 3.07%.
Social Security Tax FICA – OASDI: This funds retirement, disability, and survivor benefits. The rate is a flat 6.2% on earnings up to a certain annual limit, which for 2023 was $160,200. For example, on a $2,000 gross pay, $124 would be withheld for Social Security.
Medicare Tax FICA – HI: This funds hospital insurance for the elderly and disabled. The rate is a flat 1.45% on all earnings, with no income limit. An additional 0.9% Medicare tax applies to earnings over $200,000 for single filers and $250,000 for married filers. So, on a $2,000 gross pay, $29 would be withheld for Medicare.
Local/City Taxes: Some cities or localities impose their own income taxes. Examples include New York City, Philadelphia, and Detroit. These rates vary widely, from less than 1% to over 4%.

Knowing these mandatory deductions helps you understand the true cost of your earnings and how your contribution supports public services.

Voluntary Deductions: Benefits and Beyond

These deductions are typically elected by the employee and can include contributions to benefit plans, savings, or other programs. My workful app

Health Insurance Premiums: Your share of the cost for medical, dental, or vision insurance. According to the Kaiser Family Foundation, in 2023, the average annual premium for employer-sponsored family health coverage was over $23,000, with employees contributing, on average, around $6,500 of that amount.
Retirement Plan Contributions: Deductions for 401k, 403b, or other employer-sponsored retirement plans. Many employers offer matching contributions, which is essentially free money for your future. Contributing 10-15% of your gross pay to retirement is often recommended for long-term financial security.
Life Insurance Premiums: If you opt for additional life insurance through your employer, the premiums will be deducted here.
Flexible Spending Accounts FSAs or Health Savings Accounts HSAs: Pre-tax contributions for healthcare or dependent care expenses. In 2023, the IRS allowed up to $3,050 for FSA contributions. HSAs, which require a high-deductible health plan, had contribution limits of $3,850 for individuals and $7,750 for families.
Union Dues: If you are part of a union, your membership dues will be deducted.
Loan Repayments: Sometimes, advances or loans from the employer are repaid through payroll deductions.

Reviewing these voluntary deductions ensures that your benefit elections are correctly reflected and that you’re maximizing any pre-tax savings opportunities.

Pay Period and Year-to-Date Information: Tracking Your Progress

Beyond the current pay period’s breakdown, pay stubs also provide crucial cumulative data, which is essential for financial planning and tax preparation.

Understanding the Pay Period: How Often You Get Paid

The pay period specifies the timeframe for which you are being compensated. Common pay periods include:

Weekly: Paid every week 52 pay periods per year.
Bi-weekly: Paid every two weeks 26 pay periods per year. This is the most common pay frequency in the U.S., with over 40% of companies using it.
Semi-monthly: Paid twice a month 24 pay periods per year, often on the 15th and the last day of the month.
Monthly: Paid once a month 12 pay periods per year.

Knowing your pay period helps you budget effectively and anticipate when your income will arrive.

If you’re paid bi-weekly, for instance, you’ll have two “extra” paychecks in a year that can be used for savings or debt reduction. Workful pay login

Year-to-Date YTD Totals: A Cumulative Financial Snapshot

One of the most valuable pieces of information on a pay stub is the Year-to-Date YTD totals.

These figures represent the cumulative amounts of your earnings and deductions from the beginning of the calendar year up to the current pay period.

YTD Gross Pay: This sum is vital for understanding your total income earned so far, which is critical for tax planning.
YTD Federal Income Tax: The total federal income tax withheld from your paychecks throughout the year. This helps you estimate your tax liability and avoid underpayment penalties.
YTD Social Security and Medicare Taxes: The total contributions to these programs, allowing you to confirm that the correct amounts have been withheld and reported.
YTD Voluntary Deductions: The cumulative amount contributed to your 401k, FSA, or health insurance, which helps you track your progress towards financial goals and benefit utilization.

Regularly reviewing YTD totals can help you catch errors early, adjust your tax withholdings if necessary, and monitor your overall financial trajectory.

For example, if your YTD tax withholdings seem low compared to your income, you might adjust your W-4 to avoid a large tax bill next April.

Why Your Pay Stub Matters: Beyond Just the Money

A pay stub is far more than just a receipt for your wages. Workful salary paycheck calculator

It’s a critical document with multiple practical uses that impact your financial health and administrative responsibilities.

Ignoring its contents can lead to significant financial oversights.

Financial Planning and Budgeting: The Blueprint for Your Spending

Your pay stub is an indispensable tool for effective personal financial management.

Accurate Budgeting: Knowing your precise net pay allows you to create a realistic budget, ensuring you don’t overspend based on gross income expectations. According to a 2023 survey, nearly 60% of Americans live paycheck to paycheck, making accurate budgeting based on net pay essential for financial stability.
Tracking Income: It provides a clear record of your earnings over time, which is crucial for tracking financial goals, assessing your income growth, and making informed decisions about spending and saving.
Identifying Discrepancies: Regularly checking your pay stub helps you spot errors in pay rate, hours worked, or deductions immediately, allowing for prompt correction before they accumulate. A study by the American Payroll Association found that payroll errors affect nearly 1 in 5 employees annually.

Think of your pay stub as the foundation for your personal financial house. Without it, you’re building on shaky ground.

Proof of Income: Opening Doors to Opportunities

Your pay stub serves as official documentation of your employment and income, which is required for numerous essential transactions. Workful new grad

Loan Applications: Whether it’s a mortgage, car loan, or personal loan, lenders require proof of stable income to assess your ability to repay. They typically ask for your last two to three pay stubs.
Rental Applications: Landlords use pay stubs to verify that you meet income requirements often 3x the monthly rent and can consistently pay rent.
Credit Card Applications: While some credit card companies may rely on self-reported income, providing pay stubs can strengthen your application and potentially lead to a higher credit limit.
Social Service Benefits: Applications for certain government or social welfare programs often require income verification through pay stubs.

Having readily accessible and accurate pay stubs can expedite these processes and prevent delays when you need them most.

Tax Preparation: Simplifying Your Annual Filings

When tax season rolls around, your pay stub becomes an invaluable resource, though it doesn’t replace your W-2.

Estimating Tax Liability: Your YTD figures for gross pay and tax withholdings provide a strong indication of your overall tax situation before your W-2 even arrives. This allows you to plan for potential refunds or payments.
Verifying W-2 Accuracy: Compare your final pay stub’s YTD totals with your W-2 form at the end of the year. Any discrepancies should be addressed with your employer immediately to ensure accurate tax filing. In 2022, the IRS processed over 260 million tax returns, and even minor errors can cause significant delays.
Tracking Pre-Tax Contributions: Your pay stub details contributions to pre-tax accounts like 401ks, FSAs, and HSAs, which are important for determining your taxable income and potential deductions.

By understanding your pay stub throughout the year, you can approach tax season with confidence, having a clear picture of your financial contributions and obligations.

Digital vs. Paper Pay Stubs: The Evolution of Payroll

The way employees receive their pay stubs has evolved significantly with technological advancements.

While paper stubs were once the norm, digital options now dominate, offering convenience and efficiency. Workful phone support

The Rise of Digital Pay Stubs: Convenience at Your Fingertips

Electronic pay stubs, often accessible through online portals or email, have become the preferred method for many employers.

Accessibility: Digital stubs can be accessed anytime, anywhere, with an internet connection. This means no more waiting for mail or searching for misplaced paper copies. A survey indicated that over 80% of companies now offer digital pay stubs.
Environmental Impact: Moving away from paper reduces waste and aligns with sustainability efforts.
Security: Reputable online payroll portals use encryption and multi-factor authentication to protect sensitive personal and financial data. This can be more secure than paper stubs sent through mail or left in unsecured locations.
Searchability and Archiving: Digital records are easy to search, download, and store for future reference, simplifying record-keeping for employees. Most payroll systems allow employees to access several years of past pay stubs.

While convenient, it’s crucial to ensure the online portal is secure and to practice good password hygiene.

Managing Your Digital Pay Stubs: Best Practices for Security

Even with the convenience of digital stubs, responsible management is key to maintaining security and accessibility.

Secure Portal Access: Always use strong, unique passwords for your payroll portal and enable multi-factor authentication MFA if available. MFA adds an extra layer of security, significantly reducing the risk of unauthorized access.
Regular Downloads: While the portal usually archives your stubs, it’s a good practice to periodically download and save copies to a secure, encrypted drive or cloud storage. This provides a personal backup in case of system issues or if you leave the company.
Beware of Phishing: Be highly suspicious of emails claiming to be from your payroll department asking for login credentials or personal information. Always navigate directly to your employer’s official payroll portal instead of clicking links in emails.
Print When Necessary: For official purposes like loan applications, you may still need to print out physical copies. Ensure your printer is secure and dispose of printed copies responsibly after use.

By adopting these practices, you can maximize the benefits of digital pay stubs while minimizing potential risks.

Addressing Errors and Discrepancies: What to Do When Things Go Wrong

Even with sophisticated payroll systems, errors can occur. Workful salary calculator california

Knowing how to identify and address them is crucial for protecting your earnings.

Common Pay Stub Errors to Look For

Being vigilant about checking your pay stub can save you headaches and ensure you’re paid correctly.

Incorrect Hours Worked: This is arguably the most common error, especially for hourly employees. Always compare the hours listed on your pay stub with your own timekeeping records. A discrepancy of even a few hours per pay period can add up significantly over time.
Wrong Pay Rate: Verify that the hourly rate or salary amount is correct according to your employment agreement. Sometimes, new raises or promotions aren’t reflected accurately on the first pay stub.
Incorrect Deductions: Check that the amounts withheld for taxes, insurance, and retirement contributions match your expectations and elections. Look out for:
- Over-withholding/Under-withholding: For taxes, this can lead to a huge tax bill or a smaller refund than anticipated.
- Missing Benefit Deductions: If you signed up for a benefit like health insurance but no deduction appears, you might not be covered.
- Unauthorized Deductions: Any deduction you don’t recognize or haven’t authorized should be questioned immediately.
Improper Calculation of Overtime or Bonuses: Ensure that overtime hours are paid at the correct rate typically 1.5 times your regular rate and that any bonuses or commissions are fully accounted for.

A quick review of these key areas every pay period can flag issues before they become major problems.

Steps to Take When You Find an Error

If you discover a discrepancy on your pay stub, act promptly and professionally.

Gather Documentation: Collect all relevant evidence, such as your personal time records, copies of your employment contract, benefit enrollment forms, and previous pay stubs that were correct. The more data you have, the stronger your case.
Contact Payroll or HR: Reach out to your employer’s payroll department or human resources representative. Explain the error clearly and concisely, providing all your supporting documentation. It’s often best to do this in writing email so you have a record of your communication.
Follow Up: If the issue isn’t resolved promptly, follow up respectfully. Keep a log of all communications, including dates, times, names of people you spoke with, and summaries of conversations.
Understand the Resolution Process: Ask what steps the company will take to correct the error and when you can expect to see the correction on a subsequent pay stub or receive a reimbursement. For payroll errors, it can sometimes take one or two pay cycles to reflect the correction.
Legal Recourse If Necessary: If your employer fails to correct significant errors after repeated attempts, you may need to seek advice from a labor attorney or contact your state’s Department of Labor. Wage theft, even unintentional, is a serious matter. According to the Economic Policy Institute, wage theft costs American workers billions of dollars annually, with over $3 billion in back wages recovered by the Department of Labor between 2017 and 2020.

Being proactive and methodical in addressing pay stub errors ensures that you receive the compensation you’ve rightfully earned. Workful pay by check

Advanced Pay Stub Insights: Beyond the Basics

While the core components of a pay stub are consistent, there are additional nuances that can provide deeper insights into your compensation and benefits.

Understanding Taxable vs. Non-Taxable Income

Not all income reported on your pay stub is treated the same for tax purposes.

Taxable Income: This includes your regular wages, overtime, bonuses, commissions, and most forms of supplemental pay. These amounts are subject to federal, state, and local income taxes, as well as FICA taxes.
Non-Taxable Income/Benefits: Certain benefits are considered non-taxable, meaning they don’t count towards your gross income for tax calculation purposes. Common examples include:
- Pre-tax contributions to 401k or 403b: These reduce your taxable income for the year.
- Pre-tax contributions to FSAs or HSAs: Money put into these accounts reduces your taxable income.
- Qualified transportation benefits: Commuter benefits, up to certain IRS limits $300/month for 2023 for transit passes/vanpooling.
- Employer-paid health insurance premiums: While the total premium might be significant, the portion paid by your employer is generally not considered taxable income to you.

Understanding this distinction helps you grasp how pre-tax deductions can effectively lower your overall tax burden, making certain benefits even more valuable.

Vacation, Sick, and PTO Balances: Managing Your Time Off

Many pay stubs also include a summary of your accrued and used time off.

This is crucial for managing your work-life balance and planning for breaks. Workful offices

Accrued Hours: The amount of paid time off PTO, vacation, or sick leave you have accumulated over a specific period. This might be X hours per pay period, or a lump sum annually.
Used Hours: The number of hours of time off you have taken during the year.
Remaining Balance: The total number of hours you currently have available to use.

Monitoring these balances helps you plan personal time, avoid forfeiture of accrued hours some companies have a “use it or lose it” policy for vacation, and understand your benefits fully. For instance, the average American worker receives about 10-14 days of paid vacation after one year of service, according to the Bureau of Labor Statistics.

Alternatives to Traditional Employment and their “Pay Stubs”

While the focus has been on traditional employment pay stubs, it’s important to consider how income is verified for those outside of a standard employer-employee relationship.

For Freelancers and Independent Contractors: The 1099 World

If you’re a freelancer, gig worker, or independent contractor, you won’t receive a traditional pay stub. Instead, your income verification looks different.

1099 Forms: Clients or companies you work for will issue you 1099-NEC Nonemployee Compensation or 1099-MISC forms at the end of the tax year if they paid you over a certain threshold typically $600. These forms summarize your gross earnings from that client.
Invoices and Bank Statements: Your primary “pay stub” equivalent will be your invoices to clients and your bank statements showing the deposits. It’s crucial to maintain meticulous records of all invoices issued, payments received, and business expenses.
Self-Employment Tax: As a freelancer, you’re responsible for both the employee and employer portions of Social Security and Medicare taxes totaling 15.3% on your net earnings, up to the Social Security wage base. This is paid as self-employment tax.
Estimated Taxes: Since no taxes are withheld from your payments, you are generally required to pay estimated quarterly taxes to the IRS to avoid penalties.

Managing finances as a freelancer requires greater discipline in record-keeping and tax planning compared to traditional employment.

Many freelancers use accounting software to track income and expenses. Workful employer login

For Small Business Owners: Payroll and Owner’s Draw

If you own a small business, your “pay stub” situation depends on your business structure.

Sole Proprietorship/LLC Single-Member: Your income is typically an “owner’s draw.” You pay yourself from the business bank account, and there’s no formal pay stub with deductions. Your profit is taxed on your personal income tax return. Accurate bookkeeping is paramount to track income and expenses.
S-Corp/C-Corp: If your business is structured as an S-Corporation or C-Corporation, you might pay yourself a reasonable salary as an employee. In this case, you would receive a traditional pay stub, and the business would handle payroll deductions and tax withholdings just like any other employer. This can have tax advantages depending on your income level.

Regardless of your business structure, robust financial record-keeping is the bedrock of success and compliance.

The Future of Pay Stubs: Innovation and Integration

The evolution of payroll technology continues, promising more integrated and user-friendly experiences for employees.

Real-Time Pay and Financial Wellness Apps

Emerging trends suggest a move towards greater financial flexibility and insights for employees.

On-Demand Pay/Early Wage Access: Some companies are experimenting with systems that allow employees to access a portion of their earned wages before the official payday. This can help workers avoid high-interest payday loans or cover unexpected expenses. While convenient, it’s crucial for individuals to use these services responsibly to avoid constant reliance. In 2023, approximately 25% of employers offered some form of early wage access.
Integrated Financial Wellness Platforms: Payroll providers are increasingly integrating financial wellness tools into their portals. These tools might offer:
- Budgeting features: Allowing employees to allocate funds directly from their net pay.
- Savings goals: Setting up automatic transfers to savings accounts based on pay stub data.
- Tax planning insights: Providing projections based on YTD earnings and withholdings.
- Benefit utilization tools: Helping employees understand and maximize their health, retirement, and other benefits.

These innovations aim to empower employees with more control and understanding over their financial lives directly from their pay data. Workful investors

Blockchain and Enhanced Security

While still in early stages, blockchain technology holds promise for the future of payroll.

Enhanced Security and Transparency: Blockchain could create an immutable, secure, and transparent record of all payroll transactions, reducing the risk of fraud and errors. Each pay transaction would be a verified block in the chain.
Faster and Cheaper Payments: Distributed ledger technology could potentially enable faster, more efficient international payments and reduce transaction costs for employers.
Privacy Controls: While transparent, blockchain can also be designed with privacy features that control who can view specific data, offering a balance between transparency and confidentiality.

While not mainstream yet, these technological advancements could redefine how pay stubs are generated, stored, and accessed in the coming years, further enhancing their reliability and utility.

Frequently Asked Questions

What is a pay stub?

A pay stub is a document provided by an employer to an employee that details their gross earnings, deductions like taxes and benefits, and net pay for a specific pay period.

Why is a pay stub important?

A pay stub is important for several reasons: it verifies your income, helps with budgeting and financial planning, allows you to track your deductions, and serves as official proof of employment for loans or rentals.

What is the difference between gross pay and net pay?

Gross pay is your total earnings before any deductions, while net pay is the amount you actually receive after all taxes and other deductions have been subtracted. Workful customer service code

What mandatory deductions typically appear on a pay stub?

Mandatory deductions usually include federal income tax, state income tax if applicable, Social Security tax FICA-OASDI, and Medicare tax FICA-HI.

What are voluntary deductions on a pay stub?

Voluntary deductions are those you elect to have taken out, such as health insurance premiums, retirement plan contributions e.g., 401k, Flexible Spending Account FSA contributions, and union dues.

What does YTD mean on a pay stub?

YTD stands for “Year-to-Date.” It represents the cumulative total of your earnings and deductions from the beginning of the calendar year up to the current pay period.

How often do most people get paid?

Most people in the U.S.

Are paid bi-weekly every two weeks, followed by weekly, semi-monthly, and monthly pay periods. Employee fte

Can I get a pay stub if I am a freelancer or independent contractor?

No, as a freelancer or independent contractor, you typically do not receive a traditional pay stub.

Your income is verified through invoices, bank statements, and 1099 forms issued by clients.

How do I check if my pay stub is accurate?

To check accuracy, compare the hours worked with your own records, verify your pay rate, ensure all deductions match your expectations and benefit elections, and cross-reference YTD totals with previous stubs.

What should I do if I find an error on my pay stub?

If you find an error, gather all supporting documentation time records, old stubs and contact your employer’s payroll or HR department immediately, ideally in writing.

Are digital pay stubs secure?

Yes, reputable online payroll portals use encryption and security measures like multi-factor authentication to protect your data. Freshbooks payroll add on

However, always use strong passwords and be wary of phishing attempts.

How long should I keep my pay stubs?

It’s recommended to keep pay stubs for at least one year after you’ve filed your taxes, especially until you’ve reconciled them with your W-2 form.

Some financial advisors suggest keeping them for several years, particularly if you’re tracking specific expenses or deductions.

Can my employer refuse to give me a pay stub?

In most states, employers are legally required to provide employees with pay stubs or a wage statement detailing their earnings and deductions, whether in paper or electronic format.

What is a W-4 form and how does it relate to my pay stub?

A W-4 form is an IRS document you fill out to tell your employer how much federal income tax to withhold from your paycheck.

The information on your W-4 directly impacts the federal income tax deduction on your pay stub.

What is FICA on a pay stub?

FICA stands for the Federal Insurance Contributions Act.

It refers to the mandatory deductions for Social Security OASDI and Medicare HI taxes, which fund these federal programs.

Why do my pay stub deductions change sometimes?

Deductions can change due to various reasons: changes in tax laws, adjustments to your W-4, increases in health insurance premiums, changes in retirement contributions, or hitting annual limits for certain taxes like Social Security.

Can my employer make deductions without my consent?

Employers can only make certain deductions without your specific consent, primarily mandatory taxes federal, state, local, FICA. For voluntary deductions like health insurance or 401k, your consent or enrollment is required.

What is the maximum I can contribute to a 401k and how does it show on my pay stub?

For 2023, the maximum employee contribution to a 401k was $22,500 plus an additional $7,500 for those 50 and over. Your elected contribution amount will appear as a pre-tax voluntary deduction on your pay stub, reducing your taxable income.

Do bonuses show up on a pay stub?

Yes, bonuses are typically included in your gross pay on a pay stub, though they may be itemized separately.

They are subject to federal income tax withholding at supplemental rates, as well as FICA taxes.

Can I use my pay stub as proof of address?

Yes, a pay stub that includes your name and current address is often accepted as a form of proof of address for various purposes, such as opening a bank account or applying for certain services.

0.0

0.0 out of 5 stars (based on 0 reviews)

Excellent0%

Very good0%

Average0%

Poor0%

Terrible0%

There are no reviews yet. Be the first one to write one.

Amazon.com: Check Amazon for Pay stub what
Latest Discussions & Reviews:

Pay stub what is