Worksheet Generator · Budgeting
Earnings Statement (Pay Stub) Worksheet Generator
Make pay stub worksheets in seconds. Students read a realistic earnings statement — regular and overtime earnings, the deductions (taxes, Social Security, health insurance, 401K), and gross and net pay — then answer questions from it. A real look at what comes out of a paycheck, with a built-in answer key. Included with your full Money Instructor membership.
Make a Worksheet
Build your pay stub worksheet
How It Works
Make a worksheet in four steps
- Set the options. Choose the number of questions and the difficulty — Level 1 (dollar amounts) or Level 2 (adds percentages).
- Generate. Press Generate worksheet — the tool builds a full earnings statement with earnings, deductions, and gross / net pay.
- Students solve. They read the pay stub and answer the questions — hours, earnings, take-home pay, each deduction, and (Level 2) percentages of gross pay.
- Print or grade. Keep Include answer key on to print the worked solutions, or press ↻ New version for a fresh statement.
In the Classroom
Six ways to use it
Reading a pay stub
Students learn to read an earnings statement — a real first-job life skill.
Gross vs net pay
See the difference between what you earn and what you take home after deductions.
Payroll deductions
Federal and state tax, Social Security, health insurance, and 401K — what each one is.
Percent of an amount
Level 2 asks what percent of gross pay each deduction is — applied percent math.
Career & first-job units
A concrete look at a paycheck before students get their first one.
Sub plans & homeschool
A self-checking, no-prep worksheet with an answer key — a new pay stub every time.
What It Teaches
Money skills students build
A pay stub tells the whole story of a paycheck: what you earned, what was taken out, and what you actually take home. Students practice reading an earnings statement, understanding deductions, and — at Level 2 — finding each deduction as a percent of gross pay. Pair this with the earnings statement lesson, the how to read a pay stub video, and the time card generator for the hours side.
- Read an earnings statement (pay stub) and find any value on it
- Tell the difference between gross pay and net pay
- Identify the deductions: federal and state tax, Social Security, health insurance, 401K
- Calculate average daily pay and overtime earnings
- Find each deduction as a percent of gross pay (Level 2)
Common Questions
Pay Stub Worksheet FAQ
Do I need a membership to use this generator?
Yes — the generator is a full Money Instructor membership feature (the paid plan, not a free account). Full members can make and print unlimited worksheets with answer keys. The page itself is free to read.
What is on the pay stub worksheet?
A full earnings statement: regular and overtime earnings, the deductions (federal and state tax, Social Security, health insurance, 401K), total deductions, and gross and net pay for the period and year-to-date. Students answer questions using the statement.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything is taken out. Net pay (take-home pay) is what is left after the deductions. The worksheet shows both.
What are the two difficulty levels?
Level 1 asks about dollar amounts (hours, earnings, take-home pay, each deduction). Level 2 adds percentage questions — what percent of gross pay each deduction is.
Can I use my own student names?
Yes. Enter a comma-separated list of employee names, or leave it blank for random names. Set Number of statements up to 5 to give each student a different pay stub.
Is there an answer key?
Yes. Keep Include answer key on and the tool prints the worked answer to every question.
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