Paystubs
What Is SDI on Your Paystub? State Disability Insurance Rates for 2026
SDI is state disability insurance, a required deduction in California, New York, New Jersey, Rhode Island, Hawaii and Puerto Rico. The 2026 rates, labels and limits.
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Paystub Guides
Paystub guides covering earnings, deductions, net pay and what a compliant pay stub should include.
20 articles · Page 1 of 2
Paystubs
What Is STD on Your Paystub? Short-Term Disability Deductions Explained
STD on a paystub means short-term disability insurance. Whether the line is your premium, your employer's share or benefits paid to you, and how it differs from state SDI.
Paystubs
What Is Medical ER on Your Paystub? ER Health Cost Explained
Medical ER, or ER Health, is what your employer pays toward your health insurance. Why it is not taken from your pay, what is normal and where it shows on your W-2.
Paystubs
What Is LTD on Your Paystub? Long-Term Disability Deductions Explained
LTD is the premium for long-term disability insurance. Who pays it, why pre-tax or after-tax matters if you ever claim and how LTD can show up as earnings.
Paystubs
What Does FTD Mean on a Paystub? Fiscal Year to Date vs. Federal Tax Deposit
FTD on a paystub usually means fiscal year to date, a column common on teacher and school paystubs. How it differs from YTD and from a federal tax deposit.
Paystubs
What Is SIT Withheld on Your Paycheck? SIT on Your Paystub Explained
SIT withheld is the state income tax taken from each paycheck. What SIT, SWT and RES SIT mean, how the amount is calculated and why some paystubs show $0.
Paystubs
What Is GTL on Your Paystub? Group Term Life and Imputed Income Explained
GTL is the taxable value of employer-paid group term life insurance above $50,000. Why it shows up as both an earning and a deduction and what it really costs.
Paystubs
What Is MED EE on My Paycheck? Fed MED/EE Medicare Tax Explained
MED EE, or Fed MED/EE, is the 1.45% Medicare tax on every paycheck. How it is calculated, when the extra 0.9% starts, who is exempt and how it shows on your W-2.
Paystubs
What Is Fed MWT EE on My Paycheck? Meaning and the 1.45% Check
Fed MWT EE is usually the employee share of Medicare tax. How to confirm it with the 1.45% check and how it differs from FIT, FICA EE and OASDI EE.
Paystubs
What Is Proof of Income for an Apartment? Documents Landlords Accept
Pay stubs, W-2s, tax returns, bank statements or benefit letters: what landlords accept as proof of income, how the 3x rent rule works, how they verify it and what to do if you are self-employed.
Paystubs
What Is FUTA? Federal Unemployment Tax Explained
FUTA is a federal unemployment tax only employers pay: 6.0% on the first $7,000 of wages, usually 0.6% after the state credit. Rates, Form 940 and paystubs.
Paystubs
Year-to-Date (YTD): What It Means on Your Pay Stub
YTD means year-to-date: your totals so far this year. Where YTD appears, how it is calculated, when it resets and how it maps to your W-2.
Everything You Need to Know About Pay Stubs
A pay stub is the itemized record behind every payment an employer makes. It shows the hours or salary the pay was based on, the gross amount earned, each tax and deduction taken out and the net figure that reaches the bank account. Most stubs also carry year-to-date totals that build up with every pay date.
The guides in this category explain what each section of a stub means, how to read the abbreviations payroll systems print and how to use stubs as proof of income for a lease or a loan. If you want to see how the numbers themselves are produced, our guides on how gross pay becomes take-home pay walk through the calculation. At the end of the year your stubs feed into the annual wage statement, which is covered in our guides to reading your W-2 form.
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Find the guide you need, from reading your first pay stub to state withholding rules and year-end tax forms.
Paystubs
How pay stubs work, what each line means and when you need one.View articles Payroll
Running payroll, payroll taxes and records for small businesses.View articles Tax
Federal withholding, FICA and state income tax guides for all 50 states.View articles Finance
Budgeting, proof of income and making the most of your earnings.View articles Paycheck
Gross vs net pay, deductions and calculating your take-home pay.View articles W-2 Form
Reading, getting and correcting the annual wage and tax statement.View articles 1099 Forms
1099-NEC, 1099-MISC and income records for contractors.View articles Meet Our Authors
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