Introducing Gusto Cashout

Gusto Cashout is a free financial benefit for your employees.

Built right into payroll, Gusto Cashout™ helps your employees cover unexpected expenses between paydays.

Person on phone in laundromat Gusto Cashout in-app

This is what modern
payroll looks like.

Financial health starts with savings and access to money when you need it. Gusto Cashout lets employees get money between paydays based on estimated earnings. It’s repaid automatically from their paycheck with no fees and no interest.

  • Free for your employees. Free for you.
  • Smart limits to help protect employees.
  • Doesn’t affect your books or your payroll.
Gusto Cashout Product Shot
Gusto Cashout Product Shot

Surprise expenses
can happen to anyone.

Credit card bills aren’t always in sync with payday. Cars don’t break down when it’s convenient. Life is unpredictable.

40% of Americans don’t have $400
to cover an emergency bill or expense.
U.S. Federal Reserve, 2018
25% of households making $100-150k per year can’t cover a $2,000 expense.
Brookings Institution, 2011
How it works

Employees access Cashout right from their Gusto accounts.

Gusto Cashout in-app starting screen
How it works

Employees access Cashout right from their Gusto accounts.

1. Enter an amount

Smart limits cap withdrawals at 40% of an employee’s paycheck. Cashout can be used up to twice per month.

2. Confirm cashout

Once they choose an amount, they tap the cashout button to confirm.

3. Get cash

Money is deposited into their bank account as soon as the next business day. 1

Replay button


An effortless way to support
your team’s financial health.

Gusto Cashout has no impact on your books or how you run payroll. No cost. No extra work. Just a commitment to your team's mental health and financial wellbeing.

Peace of mind for both
you and your team.

Source: 2019 internal survey of Gusto customers 2
Financial health

The first step towards a better financial future.

Gusto Cashout is just one part of our commitment to help employees save, spend, and borrow with confidence. Keep an eye out for new tools coming soon, like personal savings built right into paychecks.

father with daughter

Still have questions?
We have answers.

What is Cashout?

Gusto Cashout lets employees get money between paydays based on estimated wages. It's a simple way for employees to cover expenses when savings aren’t enough, and funds are automatically paid back from the employee’s paycheck. 3

How much does it cost?

Gusto Cashout is completely free for you and your employees. We think if an employee has worked the hours, they shouldn't have to pay expensive fees to access money between paydays.

Which employees are eligible?

To be eligible, employees must receive a W-2, get paid through direct deposit, and be over 18. Currently, Gusto Cashout is available in all states except AZ, MA, ME, WV, IL, NV, NJ, ND, PA, VT. Other requirements may apply.

The people platform

So much more than payroll.

Teams are at the heart of every small business. That's why we built the people platform — one place with everything you need to build an incredible workplace.

Get your team working with Gusto.

1 Funds requested by 4pm Pacific Time will arrive on the next business day.
2 Survey data based on a 2019 Gusto survey of 600+ Cashout users (previously named “Flexible Pay”). Testimonial provided in connection with a promotion entry.
3 The Cashout Program is issued by Sunrise Banks, N.A., Member FDIC. The Sunrise Banks, N.A. Privacy Policy can be found here.