1099 contractor pay stub template
Generate a clear, itemized pay stub for work you actually performed as an independent contractor.
What a 1099 stub really shows
1099 contractors are not on payroll: no employer is withholding income tax, Social Security, or Medicare for you. A stub for a contractor is therefore a self-prepared record — it documents gross contract pay, any voluntary set-asides for estimated taxes, and net cash received.
Use this template to organize what you billed, what you were paid, and what you set aside for self-employment tax. It pairs naturally with the 1099-NEC you receive at year end.
Lenders and landlords who accept self-employed income usually pair a stub with one tax return year and a bank statement. Don't overstate. Document what you actually earned.
Honest, legitimate use only
These templates are for documenting income you actually earned. They are not 'fake stub' tools. We don't guarantee that any lender or landlord will accept a self-prepared document, and we don't recommend submitting one without supporting evidence like a tax return and bank statements.
Frequently asked questions
Do 1099 contractors get pay stubs?
Not from a payroll system — you create your own income record. A contractor stub is a self-prepared summary of contract pay received in a period.
What goes on a 1099 contractor stub?
Gross contract pay for the period, an optional self-employment tax set-aside line, expense reimbursements if any, and a net cash figure. There is no W-2-style withholding.
Is this the same as a 1099-NEC?
No. The 1099-NEC is an annual IRS form your payer issues to summarize your full-year contractor income. A stub is a per-period record you keep yourself.