Can You File Taxes with Just Your Last Paystub?

Sometimes — but it’s risky. You can technically file taxes using your final paystub, but it’s not recommended. The IRS prefers an official W2, and filing without one can cause delays, errors, or even rejections.

When It’s Possible

You may be able to file taxes with your last paystub if your employer hasn’t sent your W2 yet and you need to file early. The key is that your paystub must show:

• Total wages for the year (YTD amount)
• Withholding for federal and state taxes
• Social Security and Medicare contributions

Common Situations

• You changed jobs late in the year
• Your employer went out of business
• You moved and haven’t received your W2

Why a W2 is Safer

Your W2 is an official IRS document. It’s verified by your employer and automatically sent to the IRS — meaning it matches their records. Filing with your paystub means:

1) You’re estimating instead of reporting verified numbers.

2) A small mistake could trigger an IRS correction or audit.

3) Your refund could be delayed while your return is verified.

Bottom line: The W2 ensures your return matches what the IRS already has on file.

What To Do Instead

If your W2 hasn’t arrived yet, the safest move is to wait until after January 31st, when employers are required to send them out. Filing with the official form ensures your numbers match what the IRS already has on file. You can also contact your employer or payroll provider to get a copy of your W2 if it was lost or never delivered.

If your W2 never shows up, you can still move forward using Form 4852, a substitute W2 the IRS accepts. This form relies on your last paystub to estimate your total earnings and tax withholdings.

For a faster and simpler option, FormPros offers both a W2 generator and a paystub generator — so you can create whichever form you have the information for. Either way, you’ll have the right document ready to go in minutes.

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Can You File Taxes with Just Your Last Paystub? FAQs

• Can I file before I get my W2?
  Technically yes, but the IRS may reject your return if your numbers don’t match their records. Waiting is safer.
• What happens if I file with a paystub and get my W2 later?
  If the amounts differ, you’ll need to file an amended return (Form 1040-X).
• Can I use my paystub for a refund estimate?
  Yes — it’s great for estimating your refund, not filing.
• What if my employer refuses to give me a W2?
  Contact the IRS after February 14th; they can request it directly from your employer.
• Is Form 4852 the same as a W2?
  No, but it’s an official substitute form that’s acceptable when your W2 is missing.

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