Gusto

Payroll, benefits and HR in one place for US small businesses.

4.6 / 5
$49/month + $6/person Subscription

Best for: US small businesses, Companies wanting payroll plus benefits, First-time employers, Teams without an in-house accountant

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Affiliate Disclosure: Some links on this website are affiliate links. If you purchase a product through our links, we may earn a commission at no additional cost to you.

Quick Facts

Pricing$49/month + $6/person (Subscription) · Base fee plus per-employee monthly subscription
Free TrialYes
Free PlanNo
CategoryHR
Best ForUS small businesses, Companies wanting payroll plus benefits, First-time employers, Teams without an in-house accountant
DeploymentCloud / SaaS
IntegrationsQuickBooks / Xero / BambooHR / Slack / Trello / Zoom
Our Rating4.6 / 5
Last VerifiedSeptember 2026

Product Overview

Gusto started as payroll software and grew into the HR and benefits hub that US small businesses run on. Its core strength is full-service payroll: it calculates, files and pays federal, state and local taxes automatically, handles year-end W-2s and 1099s, and supports direct deposit on an automatic schedule. On top of that sits a genuinely useful benefits layer, where Gusto acts as a broker and lets employees compare and enroll in health, dental and vision plans directly inside the product. HR basics such as onboarding, document storage, time tracking and PTO are included, and higher tiers add hiring tools and performance reviews. The experience is notably friendly for non-accountants, which is why so many first-time employers choose it. The clear limitation is geography: Gusto is built for US payroll and does not serve teams that need native payroll in other countries.

Built for: Small businesses, Startups, Accountants & bookkeepers, First-time employers

Key Features

What We Like

  • Full-service payroll with automatic tax filing in all 50 states
  • Integrated benefits brokerage with employee self-enrollment
  • The friendliest payroll interface for non-accountants
  • Strong accountant and bookkeeper partner program

What We Don't Like

  • US-only payroll, with no native global payroll
  • Costs add up once you include benefits and add-ons
  • HR depth is lighter than a dedicated HRIS

Our Rating

4.6 / 5 overall
Ease of Use4.9
Features4.4
Pricing4.3
Integrations4.5
Support4.4
Value for Money4.6

Who is this for?

  • US small businesses
  • Companies wanting payroll plus benefits
  • First-time employers
  • Teams without an in-house accountant

SMBStartupsAccountants

Not Ideal For?

  • Businesses with non-US payroll
  • Enterprises needing deep HCM
  • Teams wanting advanced HR analytics

Search intent: transactional

Pricing

Starting from $49/month + $6/person.

Last verified: September 2026

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Compare Gusto

SoftwareBest ForRatingStarting PriceKey Feature
Gusto US small businesses, Companies wanting payroll plus benefits, First-time employers, Teams without an in-house accountant 4.6 / 5 $49/month + $6/person Full-service payroll with automatic federal, state and local tax filing

User Reviews

Third-party ratings are shown as reported by the source. We do not fabricate user reviews.

Frequently Asked Questions

How much does Gusto cost?
Gusto starts at $49 per month plus $6 per person per month for the Simple plan. The Plus plan is $80 per month plus $12 per person, and Premium uses custom pricing. Contractor-only plans start at $35 per month plus $6 per contractor.
Does Gusto handle tax filing?
Yes. Gusto automatically calculates, files and pays federal, state and local payroll taxes on your behalf, and files year-end W-2s and 1099s. This is included rather than charged per filing.
Is Gusto available outside the US?
No. Gusto payroll is US-only. It does offer Gusto Global for international contractors in some countries, but companies needing native payroll abroad should look at a global employer of record or a platform like Rippling.
Can Gusto manage health benefits?
Yes. Gusto acts as a benefits broker in many states, letting you offer and administer health, dental and vision plans with employee self-enrollment inside the platform.
Does Gusto integrate with accounting software?
Yes, with native two-way sync to QuickBooks Online and Xero, so payroll journal entries flow into your books automatically.
What are the best alternatives to Gusto?
Popular alternatives include Rippling, Workday, BambooHR. Compare them side by side in our Gusto alternatives guide: https://findvelio.com/software/gusto-alternatives/
Does Gusto integrate with other tools?
Yes — Gusto connects with QuickBooks, Xero, BambooHR, Slack and more. Confirm exact integration availability with the vendor for your stack.
What is Gusto best used for?
Gusto is most useful for US small businesses, Companies wanting payroll plus benefits, First-time employers, Teams without an in-house accountant — core jobs like Full-service payroll with automatic federal, state and local tax filing and W-2 and 1099 preparation and filing. Teams adopt it to Full-service payroll with automatic federal, state and local tax filing without stitching together separate HR tools.

Final Verdict

Gusto is the default payroll and HR platform for US small businesses, and for good reason. It removes the two things that terrify first-time employers: tax filings and benefits administration. The interface is genuinely pleasant, the automatic tax filing works across all 50 states, and the QuickBooks and Xero integrations keep the books clean. The limitations are clear. It is US-only, so international teams will outgrow it, and the per-person costs stack up once you add benefits, time tracking and higher tiers. Its HR features are also lighter than a dedicated HRIS like BambooHR. But if your priority is running payroll correctly with minimal fuss and giving employees real benefits, Gusto is very hard to beat.

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Affiliate Disclosure

Some links on this website are affiliate links. If you purchase a product through our links, we may earn a commission at no additional cost to you.

Our Review Process

Reviewed by: SaaS Review Editorial Team
Last updated: September 2026
Methodology: How We Review

Scores reflect our independent editorial judgement. Third-party ratings (G2, Capterra) are shown separately and attributed to their sources — we never present them as our own.

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