Financial & Paystubs5 min readFebruary 22, 2026
Freelancer Paystub Guide: Creating Income Documentation
Freelancer? You still need income documentation. Here's how to create it.
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Freelancer Paystub Guide
As a freelancer, creating income documentation is essential for financial transactions.
Why Freelancers Need Paystubs
- Apartment applications - Prove income to landlords
- Loan applications - Mortgage, auto, personal
- Credit applications - Credit cards, lines of credit
- Tax preparation - Track earnings
- Client requirements - Some require documentation
What to Include
Business Information - Your business name - Address - EIN or SSN
Income Details - Pay period - Gross earnings - Client/project breakdown - YTD totals
Deductions (Self-Employment) - Self-employment tax estimates - Health insurance - Retirement contributions - Business expenses
Alternative Documentation
Lenders may also accept: - Bank statements - Tax returns - 1099 forms - Profit/loss statements - Client contracts
Best Practices
- 1Keep consistent records
- 2Generate stubs regularly
- 3Match to bank deposits
- 4Save copies for taxes
- 5Be accurate and honest
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