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Gusto special offers

Editor's Choice
Starting at
Simple $49/mo + $6/person. Plus $80/mo + $12/person. Premium $180/mo + $22/person. Contractors are billed at the plan's per-person rate only in months you pay them. Next-day pay: included in Plus and Premium, $15/mo + $3/person on Simple. On Simple and Plus: same-day pay $90/payroll, instant pay $100/payroll, Business Compliance $85/mo per state (annual), Priority Support $30/mo + $3/person.
Free account setup and no long-term contract; cancel anytime

Finance Specs

What We Like
  • Unlimited payroll runs with tax filings and payments on every plan
  • No long-term contract, and account setup is free
  • Health insurance through licensed brokers, with no Gusto admin fee
  • Plus adds time tracking, next-day pay and multi-state payroll
Considerations
  • Same-day and instant pay cost extra below Premium
  • Business Compliance is a per-state add-on on Simple and Plus
  • No contractor-only plan for new customers
Expert Verdict
Choose Gusto if you're a small business that wants payroll, tax filings and basic HR in one place; Simple covers one state, and Plus is the step up for multi-state teams and time tracking. Add up the per-person fees and any add-ons before you choose.

Gusto is payroll, benefits and HR software for small businesses. Every plan runs unlimited payrolls and handles tax filings and payments, and higher plans add time tracking, multi-state payroll, HR guidance and compliance tools.

Gusto helps you hire and onboard employees with job postings, offer letters and new hire onboarding checklists, and you can share documents and request electronic signatures. Gusto says HR and benefits are fully integrated into its payroll platform, with medical, dental, life and vision coverage plus HSA, FSA and workers’ comp. It also takes care of minimum wage, overtime, and rules on meals and breaks. Other tools include performance reviews, learning and development resources, time-off requests and approvals, and custom PTO policies.

Gusto names new businesses and startups, mid-size businesses, and companies that outsource projects to independent contractors among the groups it serves. Gusto Solo is aimed at owners who are both a corporate entity and their own employee. Industries it lists include technology, construction, restaurants, trucking, healthcare, professional services, manufacturing, real estate and dentists. For restaurants, Gusto highlights its built-in time tracking and compliance support for tipped employees earning minimum wage.

Gusto’s integrations connect it with accounting, point of sale, time tracking and expense management apps. Time tracking syncs with payroll, and with expense management your team can upload pictures of receipts right in Gusto. Developers can build apps with Gusto using its developer tools. The Xero integration syncs payroll details to Xero as a manual journal or, on eligible Xero editions, as a bill, and you map Gusto categories to Xero accounts.

Pricing is a monthly base fee plus a per-person fee. Simple covers payroll in one state, Plus adds time tracking, next-day pay and multi-state payroll, and Premium adds HR support, Business Compliance and same-day and instant pay. Health insurance and other benefits are offered alongside. Current prices are in the pricing box above.

Frequently Asked Questions

How much does Gusto cost?

Simple costs $49/month plus $6 per person, Plus $80/month plus $12 per person, and Premium $180/month plus $22 per person. Account setup is free and there's no long-term contract. Next-day pay is included from Plus and costs $15/month + $3/person on Simple.

How does Gusto compare to Rippling?

Both run payroll and benefits for growing companies. Gusto publishes its plan prices on its site; compare Rippling's quote and its HR and IT tools against Gusto's plans for your headcount.

How does Gusto charge for contractors?

U.S. contractors are billed at your plan's per-person rate, and only in months you pay them. Global contractor payments carry a fee per payment instead of a monthly fee.

Advertiser Disclosure: Pricing checked Oct 10, 2026 on gusto.com. Prices change often, so check the official site before you buy.

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