Employees may need to use paycheck stubs for things like loans and assistance applications. Paycheck stubs can help employees keep track of hours and budget expenses. They also help the employer by making sure employee information is correct. Some employers add a line on the pay stub stating it is the employees' responsibility to inform them if there are any changes that should be made such as address and withholding information. That way it is on every single paycheck stub and it cannot be said the employee was not informed of their responsibility.
A sample paycheck stub shows examples of what would be on an employee's pay stub. Some deductions are taken before taxes such as insurance and 401(k). These would be deducted from the gross wages before deducting taxes.