Gusto Payroll Review

Pros

• Easy to use
• Transparent pricing
• Strong self-service resources
• Built-in time tracking and HR
• Next day-4 days payroll processing available
• Valid in all 50 states

Cons

• Cheapest plan doesn’t include built-in time tracking
• Recurring customer support complaints

What Is Gusto?

Gusto is an online payroll service offering full-service tax support, benefits administration, and HR for small to mid-sized businesses. Gusto’s services include automated payroll through Gusto AutoPilot, employee self-service portals, multistate payroll runs, direct deposit, and access to hundreds of integrations.

Like any software, Gusto isn’t without faults.

Gusto’s cheapest plan doesn’t include built-in time tracking or next-day direct deposit. Further, customer support complaints have ticked up in recent years. However, this payroll solution still has much to offer and is more than worth looking into.

Gusto Walkthrough

Gusto Pricing

Gusto’s pricing transparency, generous software plans, and free trial contributed significantly to its score in the pricing category. However, Gusto’s pricing rating took a hit as its base plan pricing is more expensive than the average cost of payroll software, and there aren’t many options for plan customization.

Gusto’s pricing starts at $49/month + $6/person. Gusto offers three plans for paying employees and contractors, and a fourth plan for businesses that only pay contractors.

Here’s a look at Gusto’s pricing breakdown:

Gusto operates under a SaaS pricing structure with no contracts or licensing agreements, so you can cancel at any time. Additionally, Gusto offers a fully interactive demo and doesn’t charge you until you make your first payroll run.

Take a deeper dive into Gusto’s pricing plans and features:

Gusto Contractor Only

Gusto’s Contractor Only plan costs $35/month + $6/month per person and includes the following features:

• Four-day direct deposit
• 1099-NECs at year’s end
• State new hire reporting
• Unlimited contractor payments

Gusto Solo

Gusto’s Solo plan is a new addition and costs $49/month + $6/person. It’s designed for solopreneurs and includes:

• Compliant self-pay
• Reasonable salary calculator
• Automatic tax filing
• S corp election and compliance
• Bill pay
• Invoicing
• Access to Solo 401(k)
• Access to health benefits

Gusto Simple

Gusto’s Simple plan costs $49/month + $6/person and includes:

• Full-service payroll across 50 states
• Health insurance administration
• Employee self-service portal
• Integrations
• Two-day direct deposit
• W-2s and 1099
• Multiple pay rates and schedules
• PTO policies and holiday pay
• Onboarding tools
• Automatic tax filing and payments
• Gusto AutoPilot payroll
• Tip credits
• Garnishments and deductions
• Document storage
• Admin and manager permissions

Gusto Plus

Gusto’s Plus plan costs $80/month + $12/person and includes everything in the Simple plan, plus:

• Time tracking
• Project tracking
• eSigning
• Job postings
• Advanced PTO management
• Next-day direct deposit
• Advanced onboarding tools
• Workforce costing reports
• Employee directory
• Multi-state payroll
• Employee management tools
• Custom reports
• Customizable templates

Gusto Premium

Gusto’s Premium plan costs $180/month + $22/month per person, and it includes everything in the Plus plan, plus:

• Support from certified HR professionals
• Advanced HR resources
• Dedicated support team
• Employee surveys
• Performance reviews
• Federal and state compliance support

Extra Gusto Costs & Fees

Gusto offers strong benefits administration and other add-on services that integrate seamlessly with its payroll software. Employers can choose to provide health benefits, 401(k) retirement plans, workers’ compensation insurance, 529 college savings plans, and tax-advantaged savings accounts. These add-ons allow businesses to build customized benefits packages that employees can opt into.

Pricing for Gusto’s service add-ons is fairly competitive, as the platform partners with several other established providers to offer these services and doesn’t charge administration fees for certain add-ons (workers’ compensation, health insurance, etc.).

Is Gusto Easy To Use?

With a near-perfect star rating in the ease of use category, we think Gusto is exceptionally easy to use. However, you don’t need to take our word for it. You can try the software for free by exploring Gusto’s interactive demo.

We find Gusto well-organized and easy to navigate. While some users have noted the software’s increasing number of glitches, most users report that the software is easy to use. A dashboard shows the most important payroll information for both employers and employees; a sidebar gives quick access to major features.

Gusto does not handle the implementation process unless you’re on its Premium plan. While this means more work, it also means you will probably save a lot of time instead of waiting weeks for your software to be implemented. Gusto provides step-by-step instructions to lead you through the setup process and offers good customer support if you get stuck or have questions.

As a cloud-based payroll solution, Gusto is compatible with nearly any device so long as you have an internet connection. Gusto now offers a mobile app with tools for both employers and employees, including payroll, time review, team management, onboarding, paycheck access, documents, and benefits.

Gusto Features

Gusto’s comprehensive feature set helped it earn a high score in the features rating category. Gusto’s feature rating dropped because it charges higher costs for some features.

That said, compared to other payroll software, Gusto’s offerings are decidedly robust. Beyond full-service payroll tools, Gusto’s HR tools and benefits administration are on par with those offered by the leaders in the payroll industry, such as ADP Payroll and QuickBooks Online Payroll.

Gusto has also expanded its AI and mobile capabilities, including integrations with ChatGPT, Claude, and Slack, natural-language payroll and business insights, AI-supported benefits recommendations, and expanded mobile tools for payroll, expenses, compliance, tax tasks, and reporting.

Gusto is best suited for small to midsize businesses. Larger businesses or companies with highly complex payroll, HR, or compliance needs may want a more enterprise-focused platform.

Gusto Customer Service

While Gusto offers a solid collection of self-service support options, including an extensive knowledgebase, the software has very limited training options, multiple customer service complaints, and could offer extended support hours. All in all, the software’s rating in the customer service category reflects its many support options and their problem spots.

Gusto’s customer support is available Monday through Friday from 7 AM- PM (MST). The company provides ample support resources and multiple ways to contact a representative directly on all its plans. The Premium plan comes with a dedicated support team and HR and compliance support. It’s noteworthy that customers frequently praise Gusto’s customer support team.

Gusto’s full customer support options include:

Negative reviews about Gusto’s customer service ticked up during the pandemic’s onset, with customers citing extensive wait times and lengthy problem resolution times. Moreover, customers have taken note of the software’s growth, citing that its customer service has dropped as the software has grown.

Gusto Integrations

Gusto’s integrations have become far more diverse than in the past. The company supports 185+ integrations and an API for developers. The integrations cover everything from accounting to time tracking, point of sale, project management, expense tracking, and more.

The most notable integrations are with Xero, QuickBooks, and QuickBooks Time (a time tracking app that solves Gusto’s limited time tracking capabilities). However, Gusto’s payment processing integrations are quite limited.

Gusto Reviews

In terms of user reviews, Gusto definitely has some room for improvement. Customer reviews for the software tend to be positive, but there are a significant number of negative reviews that dropped the rating. However, the software’s average 4.3/5 star rating across multiple review sites helped boost its rating in this category.

In addition to customer reviews, you can view customer stories on Gusto’s website. Customers generally don’t have issues with Gusto’s software or features. Most negative reviews focus on troubleshooting issues and the time it takes to resolve these issues, even with the help of customer support.

Negative Gusto Reviews

• Poor customer support
• Difficult to modify tax filings

Positive Gusto Reviews

• Saves time running payroll
• Strong benefits integrations
• Easy to use
• Transparent pricing
• Great tax support features

Is Gusto Secure?

Gusto is exceptionally transparent about its data, product, and application security protocols. The company uses Amazon Web Services (AWS) to host its servers, services, and databases, with its primary infrastructure located in the AWS West region and a second physical location in the East. Gusto uses 256-bit SSL Encryption, firewalls, and multifactor authentication to protect customer data.

Here are some of Gusto’s notable security features:

• 256-bit SSL Encryption
• Firewalls
• Multifactor authentification
• Fraud monitoring

How Does Gusto Compare To Other Payroll Software?

As a popular payroll software option, Gusto boasts features that include advanced benefits administration options, full-service payroll, and an easy-to-use platform. As great as Gusto is, it’s not the only option on the market. Want to know how Gusto compares to ADP or QuickBooks? Keep reading for Gusto comparisons.

Gusto VS ADP

In the Gusto vs ADP comparison, Gusto wins out as a more affordable option, as it includes many of ADP’s add-on features in its pricing plan bundles and offers unlimited payroll processing.

However, there’s a lot more to the battle between ADP and Gusto. Our Gusto VS ADP comparison takes a deep dive into the differences between the two payroll software options.

Gusto VS QuickBooks Online Payroll

If your business is looking for a full-service payroll solution, both QuickBooks Online Payroll and Gusto are excellent options. Both Gusto and QuickBooks can handle your state and federal payroll taxes, wage garnishments, new-hire reporting, PTO, time tracking, and much more. Additionally, both options offer unlimited payroll runs.

One of the biggest differences between the two is the business sizes they are designed to serve. QuickBooks is best suited for smaller businesses, while Gusto can comfortably handle the needs of small to large-sized businesses. Check out our Gusto VS QuickBooks comparison for an in-depth look into what makes Gusto and QuickBooks different from one another and our thoughts on which option may best suit your business’s needs.

What is your favorite feature in Gusto?

Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.

Chelsea KrauseLead Staff Writer

My favorite feature in Gusto is the employee portal. It’s so easy to use and organizes important employee data, company HR information, and even any company benefits all in one spot. A close runner-up is the cute little piggy bank pig that runs across the screen on payday.

The Final Verdict: Is Gusto Worth It?

Gusto is a strong payroll and HR platform for small to midsize businesses that want full-service payroll, transparent pricing, benefits administration, onboarding tools, and employee self-service in one system. It’s especially useful for businesses that want payroll software that’s easy to use without giving up HR and benefits features.

Gusto may not be the best fit for larger businesses with complex payroll, advanced reporting, or enterprise-level HR needs. Some users also report customer support delays, so businesses that need highly hands-on support should compare alternatives before committing.

Overall, Gusto remains one of the strongest payroll options for small to midsize businesses that want approachable payroll software with solid HR and benefits tools.

If you’re interested in checking out other payroll software options for your small business, you can visit our posts on the best cheap payroll services and best free payroll software options for small businesses.