Pay stubs prove current income better than old tax returns.

A pay stub can show current gross pay, net pay, deductions, pay period, year-to-date income, and employer details. It is useful when last year's tax return no longer reflects today.

Quick answer

Use a pay stub when a route needs current income. For IDR and affordability reviews, it often pairs with a loan statement, household size, and tax filing status.

What Lentara looks for

• Employee name and employer name.
• Pay date and pay period.
• Gross pay and net pay.
• Year-to-date gross or net income.
• Taxes and deductions when visible.

What it cannot prove alone

• Full household size.
• Spouse income access or consent.
• Complete annual self-employment income.
• All student loan balances or repayment plans.

Best next step

Scan the pay stub with the related statement or route document so Lentara can connect income to the decision.