Can You Get an Instacart Paystub in 2024? Everything You Need To Know

As an Instacart shopper, having proof of your earnings is often necessary for loans, benefits applications, taxes and more. But with Instacart classifying shoppers as independent contractors rather than employees, traditional pay stubs aren‘t provided. So how do you get an Instacart pay stub equivalent?

I‘ve worked as an Instacart shopper for over 2 years, so I‘m very familiar with how to track earnings and use them as income verification. Here‘s what I‘ve learned about getting an Instacart pay stub and reporting your income.

Accessing Your Earnings on the Instacart Platform

The Instacart Shopper app provides easy access to your full earnings history. Under the Earnings tab, you‘ll find:

• A weekly summary of your Instacart income, including:
  • Total weekly pay
  • Breakdown of batches, tips, promotions
  • Hours worked
• Ability to tap into each week to see a daily earnings breakdown
• Details on every completed batch:
  • Batch payment
  • Tip amount
  • Batch acceptance time
  • Delivery time
  • Customer name
  • Order total

This extensive batch-by-batch and weekly view provides all the details you would find on a pay stub. You can screenshot or print these earnings summaries whenever needed.

Key Statistics on Instacart Shopper Income

• Average hourly earnings: $15-22/hour according to various reports
• Average weekly earnings: $300 according to a 2021 Instacart survey
• Top shoppers can earn over $1,000 per week (I average $800 myself)
• Over 200,000 shoppers who regularly use the platform to earn income

As you can see, Instacart provides legitimate earnings potential. With the detailed Shopper app income reporting, you have the documentation needed to verify your Instacart pay.

Using Instacart Earnings as Income Verification

Here are some examples where Instacart earnings documentation can be used to demonstrate your income:

• Applying for a mortgage – Screenshots of your weekly earnings summaries can supplement your 1099 tax forms to show consistent Instacart income.
• Car loan application – Your year-to-date earnings, assuming you‘ve worked with Instacart for at least 1 year, can help you qualify.
• Government assistance programs – Instacart income over $600/month could impact eligibility for subsidies or benefits. Reporting your 1099 forms and/or Shopper app earnings helps avoid fraud.
• Renting an apartment – Landlords often require proof of income; Shopper app earnings and 1099s can help you qualify.
• Student loan income-based repayment – Your AGI from 1099s and time worked per app earnings can be used to adjust your monthly payment.

Tax Filing as an Instacart Independent Contractor

As a contractor, you are responsible for paying self-employment taxes on your Instacart earnings. Key points:

• You will receive a 1099-NEC from Instacart if you earned over $600
• Report your 1099 earnings on Schedule C when you file your personal taxes
• You must pay a self-employment tax of 15.3% on your net income to cover Social Security and Medicare
• Deduct valid business expenses like mileage, bags, phone data to reduce your taxable income
• Track all income and expenses so you can accurately file your taxes
• Consider working with a tax professional to ensure you maximize deductions

Thoroughly reporting all your 1099 income and deductions will save you money at tax time. Having full Shopper app earnings details makes the process smooth.

The Bottom Line

While Instacart does not provide traditional employee pay stubs, you have access to all your detailed earnings data right in the Shopper app. This gives you everything you need to verify your income from Instacart when needed. Just make sure to clarify that you are an independent contractor and not an actual Instacart employee. With the app earnings details and your annual 1099 tax forms, you can easily prove your Instacart income.