How to Extract Data From Pay Stubs (2026)

October 11, 2026

The best way to extract data from pay stubs is with an AI extraction tool like Lido. Lido reads pay stubs from any payroll provider, including scanned copies and photos, and turns earnings, taxes, deductions, and net pay into clean spreadsheet data you can export to Excel.

In this tutorial, we will walk you through how to extract data from pay stubs using Lido. Simply follow the steps below.

How to Extract Data From Pay Stubs Step by Step

Lido works with pay stubs from ADP, Paychex, Gusto, Workday, QuickBooks Payroll, and in-house systems without any template setup. The steps below use Lido's PDF Table Extractor to pull every section of a pay stub into a spreadsheet.

Step 1: Log Into Lido

Before you start, make sure you have your pay stub saved as a PDF, image, or scanned copy.

If you don't have a Lido account yet, you can create one for free here.

Once you're logged in, create a New File.

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Step 2: Select PDF Table Extractor

Click on Tools in the top menu and select the PDF Table Extractor. This tool is designed to read tables and structured data from your pay stub.

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Step 3: Upload Your Pay Stub

Drag and drop your file into Lido, or click to upload. PDFs, scanned images, and photos of paper pay stubs all work.

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Step 4: Select the Data You Want to Extract

For the purpose of this tutorial, we are using a sample pay stub. Pay stubs are split into sections like earnings, taxes, deductions, and pay summary, so you can extract just the ones you need.

Drag the selection box over the sections you want to pull. To extract everything, drag it over the whole pay stub. Once you have your selection, click Extract Data.

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Step 5: Review and Insert the Extracted Data

Review the extracted data to make sure it includes everything you need. You can go back to adjust your selection. When you're satisfied, click Insert at Active Cell to add it to your spreadsheet.

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Step 6: Edit and Format Your Data

You can edit and format the cells however you need. Adjust column widths, format amounts as currency, or reorganize the sections to suit your workflow.

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Step 7: Export to Excel (Optional)

Once you're done, click Export to Excel at the top to download your pay stub data as a spreadsheet file that you can also use in Google Sheets.

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What Data Can You Extract From Pay Stubs?

Lido can extract any field printed on a pay stub. The most common fields include:

Employee and employer details: Employee name, employee ID, and employer name.

Pay period: The start and end dates of the pay period, plus the pay date.

Gross pay: Total earnings before any taxes or deductions.

Tax withholdings: Federal, state, and local income tax, plus Social Security and Medicare.

Deductions: 401(k) contributions, health insurance premiums, and other voluntary deductions.

Net pay: The take-home amount after all taxes and deductions.

YTD totals: Year-to-date amounts for gross pay, taxes, deductions, and net pay.

Who Uses Pay Stub Data Extraction?

Pay stub extraction saves time for any team that reviews pay stubs from many different employers:

Lenders: Mortgage and personal loan underwriters extract income data from applicant pay stubs to verify stated income. For more on income verification, see best bank statement analysis software.

HR teams: HR teams pull data from a new hire's previous pay stubs when processing transfers.

Auditors: Payroll auditors turn hundreds of pay stubs per engagement into structured data they can test and review. Many also compare pay stubs against hours pulled from employee timesheets to confirm pay matches time worked.

For more payroll tools, see best payroll data extraction software. If you also work with tax forms, see our guide to W-2 extraction.

Now that you know how to extract data from pay stubs, you can turn any pay stub into clean spreadsheet data in minutes. Expense paperwork follows a similar path, so it also helps to learn how receipts are processed.

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 is required.

What data can be extracted from a pay stub?

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

Can I extract data from a photo or scan of a pay stub?

Yes. Lido includes built-in OCR that reads scanned and photographed pay stubs. Upload the image, and Lido extracts the same data as from a digital PDF.

How do lenders use pay stub extraction?

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

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