What is Gusto? Pricing Features Pros and Cons

Some of the most affordable payroll plans on the market are reportedly offered by Gusto, a cloud-based HR and payroll platform. You’ll quickly be on your way to ensuring that everyone gets paid on time with a user-friendly platform. Although It is not a free service, its Simple plan starts at at $40 per month + $6 per person. It offers Plus and Premium options for needs that are more complicated. Here is all the information you require regarding Gusto’s pricing strategies in 2023.

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What is Gusto?

The modern HR and payroll platform Gusto is targeted towards small enterprises. It provides a single platform on which you can hire, pay, insure, and support your staff. It assists more than 200,000 businesses around the country to ensure that workers are paid on time and to handle all record-keeping, withholding, and tax obligations. Additionally, the platform interfaces with several benefits, including workers’ compensation, health insurance, retirement programes, and much more.

Gusto for Payroll

Gusto provides a comprehensive, user-friendly payroll tool for managing payroll. While remaining in compliance with local, state, and federal laws, you can process payroll for employees and contractors, add new hires, calculate and withhold taxes, and add new recruits. Every time you process payroll, payroll taxes are automatically filed with the appropriate governmental entities. There are no unforeseen costs and the pricing is clear. Before you begin the payroll procedure, you won’t have to pay anything.

Gusto for HR and Benefits

Gusto’s full-service, user-friendly HR platform takes care of all your needs, from hiring and onboarding to team management, compensation, and more, whether you are in the office, working remotely, or combining the two. You can benefit from the countless advantages offered, such as payroll, health, dentistry, and vision insurance as well as 401(k) and college savings programes. It assists you in managing the entire process to make sure all of your demands are satisfied and can even assign a dedicated success manager to assist.

Gusto Pricing and Plans

Gusto helps to make your life easier by automating payroll for your company, which may be a difficult chore. Even if you are a business of one, it offers reasonable pricing options in addition to making your business function more smoothly. You can upgrade or downgrade at any time with Gusto.

Tiered Plans and Features

Monthly Price$40 plus $6 per person$80 plus $12 per personCustom pricing
Full-Service Payroll WIth W-2s and 1099sβœ”βœ”βœ”
Employee Profiles and Self-Serviceβœ”βœ”βœ”
Gusto-Brokered Health Insurance Administrationβœ”βœ”βœ”
Employee Health and Financial Benefitsβœ”βœ”βœ”
Integrations for Accounting, Time Tracking and Moreβœ”βœ”βœ”
Friendly Supportβœ”βœ”βœ”
Next-Day Direct Depositβœ”βœ”
Time Tracking and PTO Managementβœ”βœ”
Hiring and Onboarding Toolsβœ”βœ”
Project Tracking and Workforce Cost Reportsβœ”βœ”
Team Management Toolsβœ”βœ”
Performance Reviewsβœ”
HR Resource Centerβœ”
Compliance Alertsβœ”
Certified HR Prosβœ”
Dedicated Support Teamβœ”


For $40 per month + $6 per worker per month, It offers its basic Simple plan to smaller businesses with straightforward salaries, wages, and pay schedules. The Simple plan includes unlimited payroll runs and full-service payroll, including W-2s, 1099s, direct deposit, or printable checks. Employees get lifetime access to their Gusto account, which is wonderful for keeping them informed and allowing them to examine pay stubs and tax filings.


The Simple plan alone is fantastic because it provides a lot for the price, but the Plus plan adds more features for payroll and team management requirements. The Plus plan is available for the same monthly fee of $80, but with a minor increase in cost per person to $12. In addition to doing everything the Simple plan does, this plan also manages PTO, time tracking, and next-day direct deposits.


For organisations with more complex HR, policy, and compliance needs, It also offers the Premium package, which includes everything in the Simple and Plus plans. To receive a personalised estimate for this tier, please get in touch with the business. A comprehensive HR resource centre, compliance alerts, unrestricted access to HR specialists who have attained certification, and a fully committed support team who are familiar with you and your company are all included in the package. A company with more than 30 employees would benefit greatly from this plan.

How does Gusto work?

Employers are reminded when payday is approaching via the Gusto interface. Every employee is included on payday so that employers may confirm that the hours worked and direct deposit amounts are accurate. The programme makes sure companies can administer raises and salary changes and offer proper compensation. Everything is in one straightforward spot, and the design is simple to understand.

Employee benefits

Gusto gives its employees retirement and investing alternatives in addition to healthcare benefits. The programme offers benefits in free, low-cost, and premium priced tiers. Some of these benefits include:

  • Renewals during open enrollment periods.
  • Paycheck splitters.
  • HSAs and FSAs.

Benefit deductions are taken into account immediately during payroll filing, saving employees from having to take an additional step.

Talent Management, Hiring and onboarding

Gusto gives users the option to make simple job advertisements and track incoming applications as well as the number of persons doing job interviews. Talent acquisition is challenging enough for teams to manage, but It provides resources for the entire process. It helps to ensure that all paperwork are digitally signed, stored, and never left forgotten in the backs of stale filing cabinets by providing simple-to-follow procedures for onboarding, candidates, and employers.

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Other Gusto Costs

For expanding companies with a minimum of 25 employees who require devoted support, Gusto also has a Select plan. Every element from the Simple, Plus, and Premium plans that has been tailored for your company is included in the plan specifications. To learn more about your unique demands and the cost of this package, get in touch with Gusto.

Gusto also has a strategy for companies that only use independent contractors rather than workers. Except for the affordable monthly fee of $6 per person, this plan is free each month It offers limitless contractor payments in all 50 states, four-day direct deposit, and 1099-NECs at the end of the year. Take notice that this plan does not include the majority of add-on features.

Gusto also gives you the choice to expand your plan’s features and benefits:

  • Workers’ compensation (just pay premiums; no other costs)
  • (Pay simply for premiums; there are no additional expenses) health insurance
  • Integration of brokers ($6 per month for each qualified employee)
  • 401(k) retirement savings (begins at $49/month plus $8/month for each participant)
  • International contractors (1.5% to 2% administration fee)
  • State tax registration (pricing varies by state)
  • R&D tax credits (20% of tax credits used plus fees)
  • 529 college savings ($6 per participant per month, with $18 minimum per month, and no setup fees)

You may rest easy knowing you are not required to use Gusto’s services going forward if you ever feel they are not a suitable fit for your company. There are no yearly commitments while using Gusto, and you can cancel at any moment.

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