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How to Extract Data from Pay Stubs Automatically

April 3, 2026

To extract data from pay stubs, upload the PDF, image, or scan to an AI extraction tool like Lido. It reads gross pay, deductions, net pay, YTD totals, employer name, employee name, and pay period dates with 99.9% accuracy from any payroll provider format, outputting structured data to Excel or CSV.

Pay stubs arrive in as many formats as there are payroll providers. ADP, Paychex, Gusto, Workday, and in-house systems all produce different layouts. Lenders verifying income need to extract data from applicant-provided pay stubs. HR teams processing transfers need data from the prior employer's stubs. Auditors reviewing payroll need structured data from hundreds of stubs per engagement.

For the full payroll extraction landscape, see best payroll data extraction software. For income verification in lending, see best bank statement analysis software.

What data can be extracted

Key fields: Employee name and ID, employer name, pay period dates, gross pay, federal/state/local tax withholdings, Social Security and Medicare deductions, 401(k) contributions, health insurance deductions, other voluntary deductions, net pay, and YTD totals for each category.

{"headline": "Extract data from any pay stub format.", "subtext": "50 free pages. No credit card required. Works with any payroll provider."}

See also best payroll data extraction software, W-2 extraction, and employee benefit plan audits.

Try Lido for pay stub extraction →

Frequently asked questions

Can AI read pay stubs from any payroll provider?

Yes. Lido handles pay stubs from ADP, Paychex, Gusto, Workday, QuickBooks Payroll, and in-house systems with 99.9% accuracy. No per-provider template setup required.

What data can be extracted from a pay stub?

Gross pay, federal/state/local tax withholdings, Social Security and Medicare, 401(k) contributions, health insurance premiums, other deductions, net pay, and YTD totals. Also employee name, employer name, and pay period dates.

How do lenders use pay stub extraction?

Mortgage and personal loan underwriters extract income data from applicant-provided pay stubs to verify stated income. AI extraction automates this step, reducing processing time from minutes to seconds per stub.

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