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Gusto: Payroll Services Review, Features and Prices

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Gusto: Payroll Services Review, Features and Prices

Gusto offers a variety of comprehensive payroll services and tools that will help you support your employees and provide them with the health and financial benefits they need to help them thrive. Continue reading our full review to know everything Gusto has to offer your business.


Financial and Health benefits
Flexible plans
Supports a wide range of integrations
Modern design


No priority support offered
A bit pricey

Quick Stats

Customer Support
Direct Deposit
Not Available
Monthly Fee
$39 + $6/Payee and Up
Priority Support Available
Not Available
Free Trial

Gusto was founded in 2011, and since then, it has grown to become one of the top payroll service providers who are trusted by numerous businesses. Gusto has an A rating from the Better Business Bureau and is praised by business owners for maximizing their business's efficiency and helping it scale and grow successfully.

Gusto is a modern HR platform and a one-stop place that will keep your business flowing and your employees satisfied. Its services range from hiring and onboarding to a full-service payroll, insights and reporting, and way more.

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Gusto Payroll Features

Full-Service Payroll

Gusto's full-service payroll will automate your payroll with a few clicks. It will help you calculate and file your taxes with compliance. Full-service payroll features include:

  • Unlimited payroll runs
  • State tax registration
  • Automatic tax calculations
  • International contractor payments in over 80 countries
  • Direct deposits
  • Local, state, and federal payroll tax filing

Employee Benefits

Gusto provides you with the ability to build the right benefits package for your team. Benefits come at either no cost, low cost, or premium. Employee benefits include:

  • Health Insurance
  • Worker's compensation
  • HSA & FSA
  • Dental & Vision
  • Commuter benefits

Gusto Wallet app – no cost

The Gusto Wallet application provides your employees full control over their paychecks. They can set up saving goals, change their contributions anytime, and instantly transfer to their spending account. Moreover, they can also easily split their checks into separate accounts.

The Gusto Wallet app also provides your employees with their own debit card, which earns them 1.7x more interest than the national average, with free withdrawals from ATMs. It is also compatible with Apple Pay and Google Pay.

In emergencies, your employees can request a cash-out instantly and have the amount deducted from their next paycheck, so they won't have to be indebted to anyone.

Health Insurance Administration - premium

Gusto can integrate your employee's existing brokers with its payroll system or have them enrolled in your own health plan that you can build. Gusto covers medical, dental, and vision insurance and allows you to pick your cost health reimbursement options. Health benefits include:

  • Health savings accounts
  • Disability insurance
  • Flexible spending account
  • Life insurance
  • Dependent care FSAs

Time and Attendance

Gusto will help you save time with its automated time tools to calculate your team's hours, holidays, and PTO. Time and attendance features include:

  • Mobile time tracking with geolocation
  • Time-off requests and approvals
  • PTO policies and reporting
  • Overtime alerts
  • Projects tracking and cost reports
  • Leading time tracking software integrations

Hiring and Onboarding

Gusto will make it easier for your business to stand out in a competitive market; it will provide you with job postings, an applicant tracking system, offer letter templates, document e-signing and storage, custom onboarding checklists, app provisioning, and finally, integrations with the latest recruiting software.

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Talent Management

Gusto offers your business comprehensive built-in performance tools that will keep your employees engaged and at their optimum efficiency. Features include:

  • Automated feedback requests
  • Performance review templates
  • Learning and development tools
  • Personalized employee communications

Insights and Reporting

Gusto provides you with valuable insights and reporting customized to many metrics. You get the following:

  • Access to HR experts
  • Compliance checklists
  • Automatic custom reports
  • Automated tax credit identification
  • Workforce and project costing
  • Anonymous feedback surveys
  • Law and regulation alerts
  • Competitive compensation tools


Gusto seamlessly integrates with a wide range of today's top software and applications such as Google, Slack, Microsoft Office, and loads more. Integrations range from accounting software to point of sale.

Moreover, Gusto also offers special discounts on some of the most popular integrations.

Gusto Plans and Prices

Gusto offers four plans for its payroll services:

Core - $39/month + $6/month/person

This plan is suitable for small businesses with simple salaries, wages, and payment schedules. Plan benefits include:

  • Full-service payroll, including W-2s and 1099s
  • Employee profiles and self-service
  • Gusto-brokered health insurance administration
  • Employee health and financial benefits
  • Integrations for accounting, time tracking, and more
  • Friendly support

Complete - $39/month + $12/month/person

This plan is designed for larger businesses with complex hiring, payroll, and team management needs. Core plan benefits are included in addition to:

  • Next-day direct deposit
  • Time tracking and PTO management
  • Hiring and onboarding tools
  • Project tracking and workforce cost reports
  • Team management tools
  • Performance reviews

Concierge - $149/month + plus $12/month/person

The Concierge plan is for businesses with more sophisticated HR, policy, and compliance needs. It includes all benefits mentioned above, plus:

  • HR resource center
  • Compliance alerts
  • Certified HR pros
  • Dedicated support team

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Select – Quote-based

The Select plan is for growing businesses with at least 25 employees who need premium tools and dedicated support. All the previous plans' features are included, in addition to:

  • Full-service payroll migration
  • Health insurance broker integration
  • Direct access to a dedicated customer success manager
  • Waived fees and exclusive pricing

Extra Tools Prices

  • International contractors – 1.5% administration fee
  • Broker Integration - $6/month per eligible employee
  • R&D tax credits – 20% of tax credits used + fees
  • Retirement savings – starts at $49/month + $8/month per participant
  • College savings - $6/month per participant

Customer Support

Gusto has a dedicated help center to help you find your answers. You can also reach their support team by live chat or phone at (800) 936-0383. Resources are also offered on their website, including calculators and tools, small business guides, APIs for developers, and blogs.


Gusto is by far one of the best payroll service providers in the industry. The features and services it offers are comprehensive and come at a great price. Gusto can scale to your business and grow with it to ultimately provide your employees a better experience and incentives to keep working hard.

You can get started by filling out a short survey of your business, then signing up with Google or creating an account and informing Gusto a little bit more about your business's needs.

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How much does Gusto cost?
What extra benefits do I receive with the quote-based Select plan?
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