With over 2 million people working in the restaurant industry, it can be hard for them to provide proof of income since a majority of their pay comes from tips. Without proof of income, it can be near impossible to secure a loan for big purchases such as a home or car. If you are working for tips and need proof of income, this article will walk you through the steps of doing just that with a check stub maker.
Pay stubs are perhaps the simplest and most popular way to demonstrate your revenue. Simply because they provide a wealth of information. What exactly is a pay stub? A pay stub is a summary of your earnings on a certain day, often the day you were paid. It comprises your income, pay schedule, after-tax net pay, and employer information.
Pay Stubs are frequently accepted as proof of income by whom?
Pay Stubs are used by landlords as proof of income for renting purposes. As evidence of income, many landlords request three (3) to six (6) months of pay stubs. This is to defend their right to be paid each month.
Apartment Income Verification
Pay stubs are frequently the most demanded proof of income document when applying for an apartment. Apartment complexes demand at least three months of pay stubs.
Proof of Income for Self-Employed

Pay Stubs can be utilized for self-employed persons. A self-employed person is someone who runs a business and does their own job rather than working for someone else.
Proof of Income for Automobile Dealerships
For income verification, car dealerships may request your most recent three (3) months of pay stubs. This is done to ensure you have enough money to make your monthly payments on time, thereby safeguarding their own interests.
Typically, dealerships want three months of pay stubs. As a result, whether you are paid bi-weekly or semi-monthly, you will require around 6 pay stubs to cover a three-month period.
Income Verification for Mortgage Lenders
Pay stubs are also accepted as proof of income by mortgage lenders. When you apply for a mortgage, the lender wants to make sure you have enough income to cover your mortgage payments after taxes and other costs each month. The lender anticipates that enough revenue will be available for this purpose.
Proof of Social Security Income
Social Security offices must use one of many accepted types of verification or a combination of them to verify proof of income and eligibility for benefits and services.
Income Proof for Investors
Some investors or lenders will need pay stubs as proof of income in order to assess your capacity to borrow cash to establish a business or enter the investing profession.
How can I provide proof of income?
Pay stubs, bank statements, a recent tax return, a letter from your employer on company letterhead stating how much you were paid, or a combination of these might be used to demonstrate your income.
How can I prove my income if I was paid in cash?
If your employers paid you in cash, you can obtain bank statements indicating deposits. The amount you placed into your bank account should be shown on the statement. It is important to note that your bank statement does not have to display a direct EFT transfer from your company. A proof of income letter from your company will also help you with your proof of income application.
How can I prove my income if I’m unemployed?
If you are jobless and receive unemployment benefits, the payments can be used as proof of income. It is beneficial to have a letter that explains why you are unemployed and when you anticipate returning to work.
How do I obtain proof of unemployment income?
You can seek a statement of unemployment benefits. What you get is a summary of your earnings and the days you were eligible for unemployment benefits. It is critical to remember that the statement must include the amounts as well as the payment plan.
What is proof of income?
Proof of income is any documentation that proves how much and when you get paid. A pay stub is a reliable and consistent tool for anybody to demonstrate proof of income.
How to Get Proof of Income Using a Pay Stub Generator
While you probably get a paystub for your hourly wage, it will not reflect your tips, which leaves you with only part of the proof of income that you need. But don’t fret, you can create a pay stub for your tip earnings in just a few minutes with our easy to use pay stub generator.
Gather Your Information
The first step in creating your paystub is to gather all of the required information. While most of it is the same across the board, there are states that require certain things. So, make sure you are aware of your state’s requirements. Our paystub generator has you select your state and will automatically update based on your needs.
Common Information
The most common information that you will need to generate a paystub includes:
- Employer’s name and address
- Your name and address
- Pay period dates
- Pay date
- Regular hours
- Overtime hours
- Tips/commissions
- Marital status/exemptions
Some of these may not be applicable to everyone, and others will be automatically calculated for you. Let’s delve into it a little more.
Hours
There are two different fields for hours. Here you can enter your regular and overtime hours worked. You will also need to include your hourly pay rate. Even though you have likely received a pay stub for hours you have worked, however, including it here along with your tip earnings gives you one stub for all of your earnings.
Tips/Commissions
This is where you will enter your tip earnings.
Marital Status/Exemptions
On this part of the form, you will simply choose whether you are married or single and how many exemptions you claim. This will help determine your taxes and deductions.
Other Fields
Holiday, vacation, and bonus pay can also be included on the paystub if applicable.
After you enter all of this information, your gross pay, net pay, and taxes/deductions will be calculated for you. All that is left for you to do is review the information for accuracy, choose your template, and print your paystub. It really is that easy.