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Review · Payroll

Gusto Review (2026): Pricing, Pros and Cons

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Short answer

Gusto ranks #1 of 7 in our payroll tools ranking (88/100). Best for small businesses that want payroll, benefits and core people tools in one place. Paid plans start at $49/mo + $6/person (Simple, single-state; Plus $80 + $12/person; Premium $180 + $22/person).

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Gusto

Best for small businesses that want payroll, benefits and core people tools in one place
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Starting price$49/mo + $6/personSimple, single-state; Plus $80 + $12/person; Premium $180 + $22/person
Free trial / planFree to set up; you pay once you run payroll
Vettlo score88/100
G2 user rating4.6/513,677 reviews

What is Gusto?

Gusto is full-service payroll with built-in HR and benefits administration. Simple ($49 a month plus $6 per person) covers single-state payroll, tax filing and core HR; Plus ($80 plus $12 per person) adds multi-state payroll, next-day direct deposit and time tracking; Premium ($180 plus $22 per person) adds access to HR experts. A Contractor plan costs $35 a month plus $6 per contractor.

Who it's best for

Small businesses that want payroll, health benefits administration and core HR handled by one tool.

Why we rank it

It covers the most ground for a small team, from payroll and tax filing to benefits and HR support, and you can set it up for free before the first pay run.

Pros and cons

Strengths

  • Payroll, core HR and health benefits administration in one product
  • Contractor-only plan at $35 a month plus $6 per contractor
  • Rated 4.6/5 on G2 across more than 13,000 reviews

Watch-outs

  • Simple is single-state; multi-state payroll needs Plus ($80 + $12 per person)
  • Next-day direct deposit is a Plus feature or a Simple add-on
  • Per-person fees double from Simple to Plus

Skip it if: You have employees in several states and want that on the cheapest plan; OnPay includes all 50 states for $49 + $6.

Gusto pricing

Paid plans start at $49/mo + $6/person (Simple, single-state; Plus $80 + $12/person; Premium $180 + $22/person). Free plan or trial: Free to set up; you pay once you run payroll.

From Gusto's pricing page, checked on the date at the top of this review. See how it compares on price in our payroll tools pricing overview.

How we scored Gusto

Payroll score: 88/100

Payroll & tax filing (25%)5/5
Compliance & multi-state (15%)4.5/5
HR & benefits (15%)4.5/5
Time tracking & integrations (10%)4/5
Ease of use (15%)4.5/5
Price & value (20%)3.5/5

Each criterion is rated 0 to 5 and weighted for the category. See our methodology.

How Gusto compares

#ToolBest forStarting priceScore
1GustoSmall businesses that want payroll, benefits and core people tools in one place$49/mo + $6/person88/100
2OnPayBest value for multi-state payroll$49/mo + $6/person87/100
3RipplingGrowing companies that want payroll, benefits and employee records in one systemFrom $8/employee/mo82/100
4RUN Powered by ADPSmall businesses that want a large provider's compliance and help desk servicesPricing on request80/100
5Square PayrollHourly, shift-based teams$35/mo + $6/person79/100
6Patriot PayrollVery small businesses on a tight budget$37/mo + $5/worker78/100

Alternatives and comparisons

Gusto FAQ

How much does Gusto cost?

Paid plans start at $49/mo + $6/person (Simple, single-state; Plus $80 + $12/person; Premium $180 + $22/person). Free plan or trial: Free to set up; you pay once you run payroll.

Is Gusto worth it?

Gusto scores 88/100 in our payroll tools ranking, where it is best for small businesses that want payroll, benefits and core people tools in one place. It's a weaker fit if: you have employees in several states and want that on the cheapest plan; OnPay includes all 50 states for $49 + $6.

Does Gusto have a free plan or trial?

Free to set up; you pay once you run payroll.

What are the best Gusto alternatives?

In our payroll tools ranking, the closest alternatives are OnPay, Rippling and RUN Powered by ADP.

Vettlo Editorial Team

Researched and written by the Vettlo editorial team using our methodology. Prices and plan details come from each vendor's public pricing page.