A pay stub, W-2, or 1099 arrives as a PDF, and Excel will not open it as rows. Upload the document and BankXLSX pulls gross pay, taxes, deductions, net pay, and year-to-date totals into a clean spreadsheet you can sort, total, and average. Built for income verification, tax prep, and bookkeeping, not for making pay stubs. Start free, no credit card.
Last updated June 2026
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Download the pay stub, W-2, or 1099 as a PDF and upload it to BankXLSX. The converter reads the document and writes each field into its own column: employee, employer, pay period, gross pay, federal and state tax, deductions, net pay, and year-to-date totals. You get an Excel or CSV file in under a minute, ready to average across pay periods for income verification or cross-check against a W-2 at tax time. BankXLSX extracts data from real documents; it does not create or edit pay stubs.
A pay stub is a designed PDF, not a data file. Earnings, taxes, deductions, and year-to-date columns sit in a tight layout that copies into Excel as a jumble, and every payroll provider lays it out differently. Here is what slows people down.
Paste an earnings table out of a pay stub PDF and the current, rate, hours, and year-to-date numbers collapse into one cell or shift a row, so nothing totals.
ADP, Paychex, Gusto, Workday, and QuickBooks Payroll each format the stub their own way, so a template built for one breaks on the next.
Lenders ask for 30 days or several months of stubs, and keying each one in by hand to average gross pay is slow and error prone.
The YTD column is the one that has to match the W-2 at year end, and it is buried alongside the current-period figures in small print.
A stub that was printed and scanned, or a mailed W-2, has no copyable text, so a plain PDF reader gives you nothing usable.
Federal tax, state tax, Social Security, Medicare, 401(k), and health premiums each belong in a column, but on the PDF they sit in a stacked block.
Upload the PDF and the converter reads the payroll layout, then writes earnings, taxes, deductions, and totals into spreadsheet columns you can sort, filter, and add up right away.
Employee, employer, pay date, pay period, gross pay, each tax, each deduction, and net pay land in their own columns so the math lines up.
The YTD figures are extracted alongside the current period, so the last stub of the year reconciles against the W-2 in a glance.
Upload a W-2 to pull boxes 1 through 20, or a 1099-NEC, 1099-MISC, or 1099-B to pull the reportable amounts into rows.
Convert a run of pay stubs and stack them into one sheet so averaging monthly income for a loan file is a single formula.
Download a real .xlsx workbook for analysis or a clean CSV you can load into a loan origination system, tax software, or your books.
256-bit encryption in transit, and you can delete your uploaded files whenever you want.
No software to install and no credit card to start.
Save the pay stub, W-2, or 1099 from your payroll portal, employer, or email. Scanned and image only PDFs work too.
Tip: The last stub of the year carries full YTD totals.
Drag the document into the box above. The converter reads earnings, taxes, deductions, net pay, and year-to-date figures.
Tip: Several stubs at once are fine.
Save the result as XLSX or CSV and open it in Excel, Google Sheets, your tax software, or a loan file.
Tip: Columns are ready to average and total.
Payroll document data feeds loan files, tax returns, and the books, so the people converting it are usually verifying income, preparing a return, or recording payroll.
Pull gross pay and YTD from several months of stubs into one sheet to average income and compute debt-to-income for a mortgage or business loan file.
Cross-check the final stub against the W-2, and turn a stack of client 1099s into a totals sheet ready for the return.
Record payroll runs and contractor 1099 payments into QuickBooks or the general ledger from structured rows instead of retyping.
Document earnings for a lease, a visa, or a self-employed loan application by handing over a clean spreadsheet instead of a stack of PDFs.
A pay stub holds the numbers a lender, a tax preparer, or a bookkeeper needs, but it is built as a designed PDF rather than a spreadsheet. Earnings, taxes, deductions, and year-to-date columns sit in a tight grid that does not survive a copy and paste, and every payroll provider lays it out differently. Converting the stub turns all of it into rows you can sort and total, which is the difference between retyping a month of stubs and a one minute upload. For a loan file that means averaging gross pay across pay periods in a single formula instead of by hand.
BankXLSX reads the standard sections of a US pay stub and writes each into clean columns. The table below shows what shows up in your spreadsheet.
| Stub section | What it contains | Columns you get |
|---|---|---|
| Header | Employee, employer, pay date, pay period | Name, employer, pay date, period start and end |
| Earnings | Regular, overtime, bonus, rate and hours | Earning type, rate, hours, current, year-to-date |
| Taxes | Federal, state, Social Security, Medicare | Tax type, current, year-to-date |
| Deductions | 401(k), health, dental, other pre and post tax | Deduction type, current, year-to-date |
| Summary | Gross pay, total taxes, total deductions, net pay | Gross, taxes, deductions, net, all with YTD |
Lenders verify income off gross pay, not take-home, and they apply a recent-document rule that usually means a stub dated within the last 30 days plus enough history to show the income is steady. When you convert each stub to rows, averaging gross pay across pay periods and pulling the year-to-date figure becomes a formula rather than a manual read, which is why loan processors and self-employed borrowers building their own file convert stubs first. The same sheet supports a debt-to-income calculation, since the gross numbers are already separated from deductions. BankXLSX prepares the income data; it does not make the lending decision, and it never alters the figures on the document.
These three documents answer different questions, and converting each one to Excel makes the cross-checks fast. The pay stub is the per-period record; its final year-to-date totals should match the W-2 the employer files. The W-2 reports a full year of wages and withholding for an employee, while a 1099 reports payments to a contractor or, in the case of a 1099-B, proceeds from securities sales. The table sums up which is which.
| Document | Covers | Key figures extracted |
|---|---|---|
| Pay stub | One pay period for an employee | Gross, taxes, deductions, net, YTD |
| W-2 | Full year of wages for an employee | Boxes 1 to 20: wages, withholding, state |
| 1099-NEC / MISC | Payments to a contractor | Payer, recipient, nonemployee compensation |
| 1099-B | Securities sales for the year | Description, proceeds, cost basis, gain or loss |
Working a brokerage account at tax time? The 1099-B pairs with the year-end statement detail, and you can convert both with the brokerage statement to Excel converter. If your income includes business deposits, the lender side of the file usually also needs the bank account, which is covered by the bank statement converter for lenders.
The converter is not tied to one template, so it reads stubs from ADP, Paychex, Gusto, Workday, Rippling, QuickBooks Payroll, and the many smaller and white-label payroll systems employers use. That matters because a loan file or a tax engagement rarely involves a single employer, and a tool that only reads one format leaves you keying in the rest by hand. Scanned or image only stubs are read the same way, which covers the W-2 that arrived in the mail or the stub a borrower photographed.
Once the data is in a spreadsheet, loading it elsewhere is quick. Bookkeepers recording payroll and contractor payments can map the cash side through the QuickBooks QBO format or the IIF format for QuickBooks Desktop. If you also handle the borrower or client bank account, the general bank statement converter and the PDF bank statement to Excel converter produce the same structured output, so the whole income file ends up in one consistent layout.
Most teams do not stop at Excel. If payroll and vendor payments are headed into QuickBooks Online, you can turn the exported file into an importable QBO with a CSV to QBO converter. For any other financial PDF you need as a sheet, a general PDF to Excel converter handles reports and tables, and lenders or accounting firms that process income documents at volume can extract them with enterprise document OCR.
Download the pay stub as a PDF from your payroll portal or employer and upload it to BankXLSX. The converter reads the earnings, taxes, deductions, net pay, and year-to-date totals and writes each to its own column, then lets you download an XLSX or CSV ready to sort, total, and average across pay periods.
Yes. Upload a W-2 to pull boxes 1 through 20, including wages, federal and state withholding, and Social Security and Medicare, into columns. A 1099-NEC or 1099-MISC pulls the payer, recipient, and compensation amounts, and a 1099-B pulls description, proceeds, cost basis, and gain or loss for tax reporting.
Yes. The converter extracts the YTD column alongside the current-period figures for earnings, taxes, and deductions. That is the figure that should match the W-2 at year end, so keeping it makes the final stub to W-2 reconciliation a single comparison rather than a manual recount.
Yes. The converter is not built for one template, so it reads stubs from ADP, Paychex, Gusto, Workday, Rippling, QuickBooks Payroll, and smaller or white-label payroll systems. Since a loan file or a tax engagement usually spans more than one employer, handling every format keeps you from retyping the ones a single-format tool misses.
Yes, for preparing the income data. Loan processors convert several stubs into one sheet, average gross pay, and pull year-to-date totals to support a debt-to-income calculation. BankXLSX structures the figures off the documents the borrower provides; it does not contact the employer, decide the loan, or stand in for a payroll-connection verification.
Yes. If the pay stub or W-2 was printed and scanned, mailed, or photographed and has no copyable text, the converter reads it as an image and still extracts the fields. A plain PDF reader gives you nothing usable from a scan, which is the case this converter is built for.
No. BankXLSX only extracts data from pay stubs, W-2s, and 1099s you already have and never generates, edits, or alters a document. It reads the figures as printed and writes them to a spreadsheet, which is what income verification, tax prep, and bookkeeping need.
Uploads use 256-bit encryption in transit, you can delete your files at any time, and your income data is never resold or shared. The conversion runs without installing anything, so the document stays under your control while it is processed.
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