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Pay Stub Quiz

Quick knowledge check

Pay Stub Quiz

Check how well you understand the key sections of a US pay stub, from gross pay to 401(k) contributions.

Question 1 of 6 0% complete

Q1 Q2 Q3 Q4 Q5 Q6

What does Gross Pay represent on your pay stub?

The total amount earned before any deductions. The amount left after all deductions. Only the base salary without bonuses. The amount paid after taxes.

What does Net Pay represent on your pay stub?

The total amount before deductions. The total amount after all deductions. Only voluntary deductions. The amount before any withholdings.

What does a 401(k) deduction on your pay stub represent?

A health insurance premium paid by your employer. Money withheld from gross pay and placed into your retirement savings plan. A tax credit applied by your employer. Overtime pay added to your gross earnings.

What does an employer match on your pay stub show?

Additional retirement savings your employer contributes on top of your own 401(k) contribution. A bonus paid for hitting a performance target. Your employer's share of health insurance premiums. A mandatory deduction your employer takes from gross pay.

What is the purpose of pre-tax benefit deductions (e.g. health insurance) on a pay stub?

They reduce gross pay before other withholdings apply. They increase gross pay by adding employer contributions. They are only deducted from the year-end bonus. They are taken from net pay after direct deposit.

What is the best first step if the net pay deposited in your bank does not match your pay stub?

Contact your HR or payroll department to investigate the discrepancy. Immediately file a complaint with the government. Ignore it if the difference is small. Adjust your W-4 withholding form.

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