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We sweat the SMALL stuff

Unified contractor and
employee payroll
Smarter off-cycle payroll
Business detail changes
without support
In-app EIN applications
Gusto in ChatGPT, Claude,
and Slack
Built-in I-9 verification
Redesigned expense
management
More admin tools on
mobile
Accountant payroll
tracking inside Karbon
Failed deposits
auto-resend
Set-and-forget contractor
pay
One-click W-9 collection
Assisted payroll error
flagging
Real-time cash flow
dashboard
Proactive compliance and
savings alerts
AI-powered business
tax savings
Personalized S corp
guidance
Smarter annual benefits
renewals
Unified contractor and
employee payroll
Smarter off-cycle payroll
Business detail changes
without support
In-app EIN applications
Gusto in ChatGPT, Claude,
and Slack
Built-in I-9 verification
Redesigned expense
management
More admin tools on
mobile
Accountant payroll
tracking inside Karbon
Failed deposits
auto-resend
Set-and-forget contractor
pay
One-click W-9 collection
Assisted payroll error
flagging
Real-time cash flow
dashboard
Proactive compliance and
savings alerts
AI-powered business
tax savings
Personalized S corp
guidance
Smarter annual benefits
renewals

See the updates built for your business

There’s a lot to dig into. Explore what’s most useful for your team.

REMOVE STEPS

Fewer steps between you and done

If it felt like extra work, it probably was.

So we asked a simple question: “How can we make this easier?” Now your business stays on track, and your day stays yours.

Contractor payments summary showing debit date, contractors paid, hours worked, and total payments, with a searchable list.

One payroll experience
for your whole team

Pay your contractors in the same familiar view you use for employees. Search, auto-save, and automate payments to streamline your workflow. Contractors can even add multiple payment methods and split pay across accounts.

Learn more
A step-by-step flow asking the reason for the off-cycle run, with options like fixing a previous payroll mistake.

Off-cycle payroll that feels like regular payroll

Paying your team outside the normal cycle used to mean a different workflow. Now you’ll see the same spreadsheet view you’re used to, along with built-in guidance to flag common irregularities before you hit submit.

Learn more
Federal EIN change progress tracker showing completed steps for reviewing submission, creating a new legal entity, and updating state information.

Update business details faster

Need a federal EIN or legal name change? Don’t bother with a support email. Enter the details, follow the progress, and in some cases, see updates applied right away.

Learn more
EIN application prompt showing an estimated 3-minute setup time and 1-2 day issuance.

Get your EIN on Gusto

Apply for an EIN without leaving Gusto (currently in beta). Your details carry over automatically, so there’s nothing to re-enter and no switching between sites.

Learn more
Add unpaid team members to your org
You can now add team members who are unpaid or paid outside of Gusto (like founders, advisors, or volunteers). They’ll show up in your org chart, access HR tools, and manage approvals for time off and expenses.
Fewer bank setup errors
Whether employees connect their bank instantly through Plaid or enter details manually, we now validate accounts in real time and surface clear errors upfront, helping reduce failed deposits and payroll cleanup.
Easy time off requests
Time off request flows are now available on every plan and turned on by default. Requests can be submitted and approved through the web or mobile app.
New time off policy options
Choose paid or unpaid when setting up a time off policy under compensation type. This makes it easier to create the right policy without workarounds.
More ways to pay your global team
If an international payment hits the limit, you can adjust the transfer speed or wire funds directly, so your team gets paid on time without leaving Gusto.
1099 filing on your terms
More control over your filings means fewer surprises at tax time. You decide which 1099s Gusto files on your behalf and which ones to handle on your own. Turn filings on or off with a single toggle—no need to contact support.

That’s only the beginning...

Add unpaid team members to your org
You can now add team members who are unpaid or paid outside of Gusto (like founders, advisors, or volunteers). They’ll show up in your org chart, access HR tools, and manage approvals for time off and expenses.
Fewer bank setup errors
Whether employees connect their bank instantly through Plaid or enter details manually, we now validate accounts in real time and surface clear errors upfront, helping reduce failed deposits and payroll cleanup.
1 of 10

REDUCE CONTEXT SWITCHING

Workflows that actually flow

Every extra tab is a tiny interruption. We stitched together what used to be scattered and brought Gusto into the tools you use every day.

One less reason to lose your place.

Payroll summary dashboard showing pay period comparison with debit amounts, employee counts, trend line chart, and variance breakdown by tax type.

Access Gusto in
ChatGPT, Claude, and Slack

Good news, payroll admins: Connect Gusto with the tools you use every day to ask questions about your people and payroll data, uncover trends, and get fast insights. Eligible customers can even run payroll directly from chat.

Learn more
I-9 verification flow showing a passport scan prompt with a globe icon and a confirmation badge reading “I-9 saved.”

Simplify your I-9 process

Complete, verify, and store I-9s right in Gusto—even remotely. Everything stays organized with guided steps and compliant storage built in.

Learn more
Expense approval card showing a charge for paint brushes with buttons to approve or reject.

A better way to handle expenses

We’ve redesigned expenses to make submitting, reviewing, and reimbursing faster. Employees can quickly submit expenses on the go, managers can approve from the mobile app, and nobody’s stuck digging through clutter.

Learn more
Gusto mobile app screen showing approved timesheets and an expense approval notification, with a customer quote: “The fact I can do that from a cell phone. It’s wild to me.”

Do more from the mobile app

The Gusto mobile app now lets admins approve timesheets and time off requests, run reports, and access their compliance dashboard right from their phone.

Learn more
Gusto and Karbon logos side by side, with a customer quote: “When I run payroll today, I bounce between Gusto and our practice management system.”

Accountants: Track payroll inside Karbon

Connect Gusto Pro with Karbon to create payroll work items with synced due dates and track progress in real time. No more toggling between tools.

Learn more
Access employee profiles from payroll
View each employee’s pay and profile details right inside your payroll run. Confirm info and answer questions without jumping between screens.
Payroll deadline reminders
Set up reminders for payroll deadlines via SMS, push notifications, and your personal calendar, so nothing slips through the cracks.
Timely work alerts
Employees get mobile push notifications to review timesheets and schedule updates, and fix missed punches. This helps keep time entries accurate before shifts and payroll runs.
More flexibility for Payroll Bridge
Now you can use Payroll Bridge even if you need to fund a late payroll.⁶ Stay in control and ensure your employees are paid on time and in full.
Get 3 days of breathing room for payroll
Sometimes you need flexibility to cover payroll. When you take out a line of credit with Payroll Bridge,⁶ Parafin will waive the financing fee if you repay your outstanding balance within 3 days.⁷
Streamlined bill payments
We’ve simplified the Gusto Bill Pay payment process into one clear view. Review your selections and finish paying your bills faster than ever before.³

We didn’t stop there.

Access employee profiles from payroll
View each employee’s pay and profile details right inside your payroll run. Confirm info and answer questions without jumping between screens.
Payroll deadline reminders
Set up reminders for payroll deadlines via SMS, push notifications, and your personal calendar, so nothing slips through the cracks.
1 of 4

AUTOMATE WORK

Scale your work, not your workload

You shouldn’t have to fix, chase, or double-check everything yourself. We took the hand-holding out of the equation to let you focus on the work that really moves the needle.

Gusto payday notification showing a “Happy payday, Erin” message for West Botanical.

Failed deposit?
No action needed

When an employee’s paycheck deposit fails, you don’t need to rerun payroll. Once they update their bank info, the payment resends automatically. Cha-ching.

Learn more
Automated contractor payment setup showing a monthly schedule for two contractors, with a customer quote: “I hate that I have to click a different link to pay my contractors than my regular employees.”

Schedule contractor payments in advance

Get ahead of contractor payments and stop rushing before payday. Payments go out on time, and you skip the last-minute data entry.

Learn more
Bill Pay vendor list showing W-9 status for two vendors: one with a W-9 on file and another with a prompt to add one.

Easy W-9 collection with Bill Pay

Spend less time chasing paperwork and entering data during tax season. Request and collect W-9s right from Bill Pay with one click.³ Vendor info and forms are stored automatically.

Learn more
Payroll review screen with an alert flagging that payroll is $1,200 higher than usual compared to the last 6 months.

Catch payroll errors before they happen

Assisted Payroll Prep flags unexpected payroll amounts before you submit. Use Gusto timesheets? It also catches irregular timecards and suggests fixes, so all you have to do is review and approve.

Learn more
Faster and smarter R&D tax credit checks
Upload your business tax return and we can run an AI-powered check to help estimate your R&D tax credit eligibility for you.
Set availability to work
Managers can ask employees to submit their work availability directly in Gusto, so they can quickly build schedules with fewer conflicts.
Auto-sync hours to payroll
Approved timesheets automatically sync to payroll. One less step for you to keep payroll on track.
Automate break premiums
To reduce manual break tracking and help with compliance, you can set up California break policies to track missed breaks and add required premium pay to payroll.
Benefits updates, handled automatically
We’ve improved how your benefits work behind the scenes. That means faster processing times, greater accuracy, and fewer issues to follow up on.
Simpler COBRA management
COBRA enrollment notices, automation, and support for departing employees are now faster and smarter, thanks to our partnership with Anuvi.

Still with us? Great.

Faster and smarter R&D tax credit checks
Upload your business tax return and we can run an AI-powered check to help estimate your R&D tax credit eligibility for you.
Set availability to work
Managers can ask employees to submit their work availability directly in Gusto, so they can quickly build schedules with fewer conflicts.
1 of 4

GET CLEARER GUIDANCE

See what matters right when it matters

The difference between a tough decision and an obvious one is usually just information. We make sure it’s there when you need it. Back to business.

Cash flow dashboard showing a “High payroll funding confidence” badge and a projected balance.

A clearer view
of your cash flow

From cash on hand to upcoming bills and estimated payroll, see exactly where your money stands—all in one simple dashboard.

Learn more
Gusto Pro alert warning that a client may be out of compliance, with a customer quote: “As a practice leader, I often ask: how will I know when something that should happen doesn’t—and how do I prevent that from affecting our client?”

Accountants: Spot opportunities before your clients ask

We automatically surface compliance requirements and savings opportunities across your client base, so you catch it before they do.

Learn more
List of available tax credits including R&D, retirement plan, and FICA tip tax credits.

Find ways to save on business taxes

Pro tip: Gusto can help you save thousands on your taxes. Our AI-powered tools can help identify and estimate potential R&D, 401(k), and FICA tip credits, and can even prefill forms for you.

Learn more
Chat conversation with Gus, Gusto’s AI assistant, offering to walk through questions about S corp eligibility.

Considering S corp election? Get help from Gus

Get new, personalized insights about S corp eligibility for solopreneurs. When you’re ready, we’ll guide you through completing, signing, and filing IRS Form 2553.

Learn more
Benefits recommendations panel showing medical, dental, and vision options, with a customer quote: “I’m shooting in the dark a bit while finding the right plans. What’s still missing for me are benchmarks.”

Seamless benefits renewals

Using personalized insights on cost and coverage, along with dental and vision industry benchmarks, our advisors are here to help set your team up with the right benefits, year after year.

Learn more
Your compliance status, at a glance
The Taxes & Compliance dashboard now surfaces critical tasks, filing dates, and account issues up front. See what needs attention before it becomes a problem, and click 'Ask Gus' on any task for guidance on what to do.
Updates to tip and overtime reporting
The One Big Beautiful Bill Act introduced new tax benefits that affect reporting for tips and overtime. We’ve updated payroll and reporting on W-2s and 1099s to reflect these changes and help you stay compliant.
Clear pay data for your team
Employees can see their net pay, taxes, and deductions in one consistent view. Fewer paycheck questions means less time explaining pay details on your end.
Paycheck tracking
Employees can follow their paycheck from processing to deposit, with real-time status updates right in the mobile app.
Time off accrual waiting periods
Set a time off accrual waiting period based on hours worked instead of just days. This gives employers more flexibility and the ability to align accrual rules with state requirements.
Get help with California’s new notice law
California’s SB 294 requires you to share a 'Know Your Rights' notice with employees every year, track who received it, and keep records for 3 years. Gusto helps you download official notices, track delivery, and store records in one place.

You don’t miss a thing, do you?

Your compliance status, at a glance
The Taxes & Compliance dashboard now surfaces critical tasks, filing dates, and account issues up front. See what needs attention before it becomes a problem, and click 'Ask Gus' on any task for guidance on what to do.
Updates to tip and overtime reporting
The One Big Beautiful Bill Act introduced new tax benefits that affect reporting for tips and overtime. We’ve updated payroll and reporting on W-2s and 1099s to reflect these changes and help you stay compliant.
1 of 9

  1. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC. When you enable stablecoin payments on Gusto’s platform, you must also agree to the Zero Hash LLC and Zero Hash Liquidity Services LLC terms and conditions and enable your Zero Hash account. Cryptocurrency assets are held and custodied by Zero Hash LLC, not Gusto. Services may not be available in all states. Cryptocurrency assets are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation coverage. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero.

    Not yet available in New York.

  2. Cryptocurrency transactions and custody services are provided by third parties, not Gusto. Stablecoins are not legal tender, bank deposits, or investments, are not FDIC-insured, and may lose value, with redemption subject to limitation, delay, or refusal in certain circumstances, including pursuant to legal directives.

  3. Gusto Bill Pay services are powered by Melio. Melio’s single-use virtual card is issued by JPMorgan Chase. Transaction fees apply and vary based on payment method and speed. See here for details. 

  4. All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank.

  5. The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.

  6. For Vermont residents: THIS IS A LOAN SOLICITATION ONLY. GUSTO, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

    Gusto provides access to Payroll Bridge through our partnership with Parafin. Payroll Bridge is offered by Parafin, not Gusto. Gusto does not review applications, make credit or lending decisions, provide credit, service loans, or collect repayments.
    All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.
    All lines of credit are subject to application completion and review.
    Please also see Gusto’s     terms. 

  7. The Payroll Bridge grace period (the "Grace Period") waives the financing fee for eligible customers who repay their line of credit in full within three (3) calendar days of accepting the repayment plan by initiating an ACH transfer through Parafin by 11:59 pm PST and as required by the Advance Agreement Terms of Service with Parafin ("Advance Agreement"). Parafin's offer will indicate if the line of credit qualifies for the Grace Period. While the first payment includes that installment’s portion of the financing fee, the entire financing fee will be waived if the plan is repaid in full within the Grace Period, subject to the Advance Agreement terms. Payments must be initiated manually via Parafin's dashboard (next-day ACH only), with each repayment plan requiring a separate manual payment. If a customer has multiple outstanding repayment plans, older plans must be repaid first before any line eligible for the Grace Period, per the Advance Agreement, and only one line may be eligible for the Grace Period. If any ACH payment isn't received within the Grace Period on the eligible line or any older outstanding repayment plans, the line of credit will be ineligible for the Grace Period, all financing fees apply per the accepted repayment plan(s), repayments resume as originally agreed, and Parafin reserves the right to apply received payments to older outstanding repayment plans first.

  8. Gusto’s 401(k) Legal Disclosures - https://www.guideline.com/legal

We sweat the SMALL stuff

Unified contractor and
employee payroll
Smarter off-cycle payroll
Business detail changes
without support
In-app EIN applications
Gusto in ChatGPT, Claude,
and Slack
Built-in I-9 verification
Redesigned expense
management
More admin tools on
mobile
Accountant payroll
tracking inside Karbon
Failed deposits
auto-resend
Set-and-forget contractor
pay
One-click W-9 collection
Assisted payroll error
flagging
Real-time cash flow
dashboard
Proactive compliance and
savings alerts
AI-powered business
tax savings
Personalized S corp
guidance
Smarter annual benefits
renewals
Unified contractor and
employee payroll
Smarter off-cycle payroll
Business detail changes
without support
In-app EIN applications
Gusto in ChatGPT, Claude,
and Slack
Built-in I-9 verification
Redesigned expense
management
More admin tools on
mobile
Accountant payroll
tracking inside Karbon
Failed deposits
auto-resend
Set-and-forget contractor
pay
One-click W-9 collection
Assisted payroll error
flagging
Real-time cash flow
dashboard
Proactive compliance and
savings alerts
AI-powered business
tax savings
Personalized S corp
guidance
Smarter annual benefits
renewals

See the updates built for your business

There’s a lot to dig into. Explore what’s most useful for your team.

REMOVE STEPS

Fewer steps between you and done

If it felt like extra work, it probably was.

So we asked a simple question: “How can we make this easier?” Now your business stays on track, and your day stays yours.

Contractor payments summary showing debit date, contractors paid, hours worked, and total payments, with a searchable list.

One payroll experience
for your whole team

Pay your contractors in the same familiar view you use for employees. Search, auto-save, and automate payments to streamline your workflow. Contractors can even add multiple payment methods and split pay across accounts.

Learn more
A step-by-step flow asking the reason for the off-cycle run, with options like fixing a previous payroll mistake.

Off-cycle payroll that feels like regular payroll

Paying your team outside the normal cycle used to mean a different workflow. Now you’ll see the same spreadsheet view you’re used to, along with built-in guidance to flag common irregularities before you hit submit.

Learn more
Federal EIN change progress tracker showing completed steps for reviewing submission, creating a new legal entity, and updating state information.

Update business details faster

Need a federal EIN or legal name change? Don’t bother with a support email. Enter the details, follow the progress, and in some cases, see updates applied right away.

Learn more
EIN application prompt showing an estimated 3-minute setup time and 1-2 day issuance.

Get your EIN on Gusto

Apply for an EIN without leaving Gusto (currently in beta). Your details carry over automatically, so there’s nothing to re-enter and no switching between sites.

Learn more
Add unpaid team members to your org
You can now add team members who are unpaid or paid outside of Gusto (like founders, advisors, or volunteers). They’ll show up in your org chart, access HR tools, and manage approvals for time off and expenses.
Fewer bank setup errors
Whether employees connect their bank instantly through Plaid or enter details manually, we now validate accounts in real time and surface clear errors upfront, helping reduce failed deposits and payroll cleanup.
Easy time off requests
Time off request flows are now available on every plan and turned on by default. Requests can be submitted and approved through the web or mobile app.
New time off policy options
Choose paid or unpaid when setting up a time off policy under compensation type. This makes it easier to create the right policy without workarounds.
More ways to pay your global team
If an international payment hits the limit, you can adjust the transfer speed or wire funds directly, so your team gets paid on time without leaving Gusto.
1099 filing on your terms
More control over your filings means fewer surprises at tax time. You decide which 1099s Gusto files on your behalf and which ones to handle on your own. Turn filings on or off with a single toggle—no need to contact support.

That’s only the beginning...

Add unpaid team members to your org
You can now add team members who are unpaid or paid outside of Gusto (like founders, advisors, or volunteers). They’ll show up in your org chart, access HR tools, and manage approvals for time off and expenses.
Fewer bank setup errors
Whether employees connect their bank instantly through Plaid or enter details manually, we now validate accounts in real time and surface clear errors upfront, helping reduce failed deposits and payroll cleanup.
1 of 10

REDUCE CONTEXT SWITCHING

Workflows that actually flow

Every extra tab is a tiny interruption. We stitched together what used to be scattered and brought Gusto into the tools you use every day.

One less reason to lose your place.

Payroll summary dashboard showing pay period comparison with debit amounts, employee counts, trend line chart, and variance breakdown by tax type.

Access Gusto in
ChatGPT, Claude, and Slack

Good news, payroll admins: Connect Gusto with the tools you use every day to ask questions about your people and payroll data, uncover trends, and get fast insights. Eligible customers can even run payroll directly from chat.

Learn more
I-9 verification flow showing a passport scan prompt with a globe icon and a confirmation badge reading “I-9 saved.”

Simplify your I-9 process

Complete, verify, and store I-9s right in Gusto—even remotely. Everything stays organized with guided steps and compliant storage built in.

Learn more
Expense approval card showing a charge for paint brushes with buttons to approve or reject.

A better way to handle expenses

We’ve redesigned expenses to make submitting, reviewing, and reimbursing faster. Employees can quickly submit expenses on the go, managers can approve from the mobile app, and nobody’s stuck digging through clutter.

Learn more
Gusto mobile app screen showing approved timesheets and an expense approval notification, with a customer quote: “The fact I can do that from a cell phone. It’s wild to me.”

Do more from the mobile app

The Gusto mobile app now lets admins approve timesheets and time off requests, run reports, and access their compliance dashboard right from their phone.

Learn more
Gusto and Karbon logos side by side, with a customer quote: “When I run payroll today, I bounce between Gusto and our practice management system.”

Accountants: Track payroll inside Karbon

Connect Gusto Pro with Karbon to create payroll work items with synced due dates and track progress in real time. No more toggling between tools.

Learn more
Access employee profiles from payroll
View each employee’s pay and profile details right inside your payroll run. Confirm info and answer questions without jumping between screens.
Payroll deadline reminders
Set up reminders for payroll deadlines via SMS, push notifications, and your personal calendar, so nothing slips through the cracks.
Timely work alerts
Employees get mobile push notifications to review timesheets and schedule updates, and fix missed punches. This helps keep time entries accurate before shifts and payroll runs.
More flexibility for Payroll Bridge
Now you can use Payroll Bridge even if you need to fund a late payroll.⁶ Stay in control and ensure your employees are paid on time and in full.
Get 3 days of breathing room for payroll
Sometimes you need flexibility to cover payroll. When you take out a line of credit with Payroll Bridge,⁶ Parafin will waive the financing fee if you repay your outstanding balance within 3 days.⁷
Streamlined bill payments
We’ve simplified the Gusto Bill Pay payment process into one clear view. Review your selections and finish paying your bills faster than ever before.³

We didn’t stop there.

Access employee profiles from payroll
View each employee’s pay and profile details right inside your payroll run. Confirm info and answer questions without jumping between screens.
Payroll deadline reminders
Set up reminders for payroll deadlines via SMS, push notifications, and your personal calendar, so nothing slips through the cracks.
1 of 4

AUTOMATE WORK

Scale your work, not your workload

You shouldn’t have to fix, chase, or double-check everything yourself. We took the hand-holding out of the equation to let you focus on the work that really moves the needle.

Gusto payday notification showing a “Happy payday, Erin” message for West Botanical.

Failed deposit?
No action needed

When an employee’s paycheck deposit fails, you don’t need to rerun payroll. Once they update their bank info, the payment resends automatically. Cha-ching.

Learn more
Automated contractor payment setup showing a monthly schedule for two contractors, with a customer quote: “I hate that I have to click a different link to pay my contractors than my regular employees.”

Schedule contractor payments in advance

Get ahead of contractor payments and stop rushing before payday. Payments go out on time, and you skip the last-minute data entry.

Learn more
Bill Pay vendor list showing W-9 status for two vendors: one with a W-9 on file and another with a prompt to add one.

Easy W-9 collection with Bill Pay

Spend less time chasing paperwork and entering data during tax season. Request and collect W-9s right from Bill Pay with one click.³ Vendor info and forms are stored automatically.

Learn more
Payroll review screen with an alert flagging that payroll is $1,200 higher than usual compared to the last 6 months.

Catch payroll errors before they happen

Assisted Payroll Prep flags unexpected payroll amounts before you submit. Use Gusto timesheets? It also catches irregular timecards and suggests fixes, so all you have to do is review and approve.

Learn more
Faster and smarter R&D tax credit checks
Upload your business tax return and we can run an AI-powered check to help estimate your R&D tax credit eligibility for you.
Set availability to work
Managers can ask employees to submit their work availability directly in Gusto, so they can quickly build schedules with fewer conflicts.
Auto-sync hours to payroll
Approved timesheets automatically sync to payroll. One less step for you to keep payroll on track.
Automate break premiums
To reduce manual break tracking and help with compliance, you can set up California break policies to track missed breaks and add required premium pay to payroll.
Benefits updates, handled automatically
We’ve improved how your benefits work behind the scenes. That means faster processing times, greater accuracy, and fewer issues to follow up on.
Simpler COBRA management
COBRA enrollment notices, automation, and support for departing employees are now faster and smarter, thanks to our partnership with Anuvi.

Still with us? Great.

Faster and smarter R&D tax credit checks
Upload your business tax return and we can run an AI-powered check to help estimate your R&D tax credit eligibility for you.
Set availability to work
Managers can ask employees to submit their work availability directly in Gusto, so they can quickly build schedules with fewer conflicts.
1 of 4

GET CLEARER GUIDANCE

See what matters right when it matters

The difference between a tough decision and an obvious one is usually just information. We make sure it’s there when you need it. Back to business.

Cash flow dashboard showing a “High payroll funding confidence” badge and a projected balance.

A clearer view
of your cash flow

From cash on hand to upcoming bills and estimated payroll, see exactly where your money stands—all in one simple dashboard.

Learn more
Gusto Pro alert warning that a client may be out of compliance, with a customer quote: “As a practice leader, I often ask: how will I know when something that should happen doesn’t—and how do I prevent that from affecting our client?”

Accountants: Spot opportunities before your clients ask

We automatically surface compliance requirements and savings opportunities across your client base, so you catch it before they do.

Learn more
List of available tax credits including R&D, retirement plan, and FICA tip tax credits.

Find ways to save on business taxes

Pro tip: Gusto can help you save thousands on your taxes. Our AI-powered tools can help identify and estimate potential R&D, 401(k), and FICA tip credits, and can even prefill forms for you.

Learn more
Chat conversation with Gus, Gusto’s AI assistant, offering to walk through questions about S corp eligibility.

Considering S corp election? Get help from Gus

Get new, personalized insights about S corp eligibility for solopreneurs. When you’re ready, we’ll guide you through completing, signing, and filing IRS Form 2553.

Learn more
Benefits recommendations panel showing medical, dental, and vision options, with a customer quote: “I’m shooting in the dark a bit while finding the right plans. What’s still missing for me are benchmarks.”

Seamless benefits renewals

Using personalized insights on cost and coverage, along with dental and vision industry benchmarks, our advisors are here to help set your team up with the right benefits, year after year.

Learn more
Your compliance status, at a glance
The Taxes & Compliance dashboard now surfaces critical tasks, filing dates, and account issues up front. See what needs attention before it becomes a problem, and click 'Ask Gus' on any task for guidance on what to do.
Updates to tip and overtime reporting
The One Big Beautiful Bill Act introduced new tax benefits that affect reporting for tips and overtime. We’ve updated payroll and reporting on W-2s and 1099s to reflect these changes and help you stay compliant.
Clear pay data for your team
Employees can see their net pay, taxes, and deductions in one consistent view. Fewer paycheck questions means less time explaining pay details on your end.
Paycheck tracking
Employees can follow their paycheck from processing to deposit, with real-time status updates right in the mobile app.
Time off accrual waiting periods
Set a time off accrual waiting period based on hours worked instead of just days. This gives employers more flexibility and the ability to align accrual rules with state requirements.
Get help with California’s new notice law
California’s SB 294 requires you to share a 'Know Your Rights' notice with employees every year, track who received it, and keep records for 3 years. Gusto helps you download official notices, track delivery, and store records in one place.

You don’t miss a thing, do you?

Your compliance status, at a glance
The Taxes & Compliance dashboard now surfaces critical tasks, filing dates, and account issues up front. See what needs attention before it becomes a problem, and click 'Ask Gus' on any task for guidance on what to do.
Updates to tip and overtime reporting
The One Big Beautiful Bill Act introduced new tax benefits that affect reporting for tips and overtime. We’ve updated payroll and reporting on W-2s and 1099s to reflect these changes and help you stay compliant.
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  1. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC. When you enable stablecoin payments on Gusto’s platform, you must also agree to the Zero Hash LLC and Zero Hash Liquidity Services LLC terms and conditions and enable your Zero Hash account. Cryptocurrency assets are held and custodied by Zero Hash LLC, not Gusto. Services may not be available in all states. Cryptocurrency assets are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation coverage. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero.

    Not yet available in New York.

  2. Cryptocurrency transactions and custody services are provided by third parties, not Gusto. Stablecoins are not legal tender, bank deposits, or investments, are not FDIC-insured, and may lose value, with redemption subject to limitation, delay, or refusal in certain circumstances, including pursuant to legal directives.

  3. Gusto Bill Pay services are powered by Melio. Melio’s single-use virtual card is issued by JPMorgan Chase. Transaction fees apply and vary based on payment method and speed. See here for details. 

  4. All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank.

  5. The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.

  6. For Vermont residents: THIS IS A LOAN SOLICITATION ONLY. GUSTO, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

    Gusto provides access to Payroll Bridge through our partnership with Parafin. Payroll Bridge is offered by Parafin, not Gusto. Gusto does not review applications, make credit or lending decisions, provide credit, service loans, or collect repayments.
    All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.
    All lines of credit are subject to application completion and review.
    Please also see Gusto’s     terms. 

  7. The Payroll Bridge grace period (the "Grace Period") waives the financing fee for eligible customers who repay their line of credit in full within three (3) calendar days of accepting the repayment plan by initiating an ACH transfer through Parafin by 11:59 pm PST and as required by the Advance Agreement Terms of Service with Parafin ("Advance Agreement"). Parafin's offer will indicate if the line of credit qualifies for the Grace Period. While the first payment includes that installment’s portion of the financing fee, the entire financing fee will be waived if the plan is repaid in full within the Grace Period, subject to the Advance Agreement terms. Payments must be initiated manually via Parafin's dashboard (next-day ACH only), with each repayment plan requiring a separate manual payment. If a customer has multiple outstanding repayment plans, older plans must be repaid first before any line eligible for the Grace Period, per the Advance Agreement, and only one line may be eligible for the Grace Period. If any ACH payment isn't received within the Grace Period on the eligible line or any older outstanding repayment plans, the line of credit will be ineligible for the Grace Period, all financing fees apply per the accepted repayment plan(s), repayments resume as originally agreed, and Parafin reserves the right to apply received payments to older outstanding repayment plans first.

  8. Gusto’s 401(k) Legal Disclosures - https://www.guideline.com/legal