Servers, bartenders, and tip-based workers: Stop being limited by pay stubs that only show minimum wage. Create professional documentation showing your actual earnings including tips.
You're earning $3,000-$5,000/month but your pay stub says $800?
Any job where tips are a major part of your income
Plus: Delivery drivers (pizza, food), valet parking, tour guides, casino dealers, wedding staff, event servers, and any role where tips are significant
Show your REAL income to qualify for better apartments
Prove you earn enough to afford rent comfortably
Get approved for car loans based on actual earnings
Build credit with accurate income documentation
Document your real income in 3 simple steps
Calculate average tips over 4-8 weeks for consistent documentation
Base wage + average tips = your real earning power
Instant professional pay stub showing your complete income
See the dramatic difference
❌ No landlord will rent to you with $256/month income
✅ Now you qualify for apartments up to $1,000/month!
Track your daily tips for 4-8 weeks. Use a notebook, spreadsheet, or tip tracking app. This gives you accurate averages and shows consistency.
Don't use one great night. Calculate weekly or bi-weekly averages over a month or more. Lenders prefer seeing consistent, predictable income.
Document your actual earnings. Tips are taxable income. Being honest protects you legally and ensures your documentation holds up to scrutiny.
If you work in a seasonal location, you might average separately for busy vs. slow seasons, or calculate annual average for mortgage applications.
Yes! Your total earnings include base wage + tips. A professional pay stub should reflect your ACTUAL income, including cash and credit card tips. This is your real earning power that landlords and lenders need to see.
This is extremely common in the service industry. Create a comprehensive pay stub that shows your full earnings: base wage + average tips. Document what you actually earn, not just the minimum wage on your employer's stub.
Track your tips for 4-8 weeks and calculate a weekly or bi-weekly average. Many servers/bartenders keep a tip log or use apps. Use this average to show consistent income rather than one unusual week.
Yes. Landlords understand that service industry workers earn most of their income from tips. A professional pay stub that shows base + tips is often MORE credible than an employer stub showing only $15/hour.
Calculate your average during typical seasons. You can also create multiple pay stubs showing different periods (summer busy season vs. winter) to demonstrate your income range and averages.
The pay stub should reflect your actual earnings. Remember that tips are taxable income. Being accurate on documentation is important for both ethical and legal reasons when applying for housing or loans.
