Got questions? We've got answers.

Yes, we offer payroll in all 50 states. And it’s the same price whether you run payroll in one state or all 50.

If you already have payroll with someone else, check out our guide to switching. If you’re setting up payroll for the first time, here’s a guide to

Yes, we integrate with popular financial software, including QuickBooks, Xero, and FreshBooks, plus time-tracking, expense software, and more. See all our integrations.

Yes, in addition to your employees, you can also pay contractors through Gusto. We also automatically file and email them their 1099s at the end of the year at no extra charge.

No, Gusto does not have support for household payroll.

No, we can only process payroll for employees in the US.

It’s a lot. Check out the the full features list.

Yep! Gusto is accessible from any web-enabled device. You don’t need to download an app — just sign into Gusto on your web browser.

Gusto can run your payroll automatically. For salary or hourly employees with fixed hours, all you have to do is decide on what day they should be paid, and we’ll do it automatically. We’ll even send you a reminder one day before, in case you want to make changes.

Yes, you can choose to have Gusto automatically adjust wages to comply with the FLSA Tip Credit and minimum wage adjustment requirement. Gusto can also help restaurants claim the FICA tip credit tax incentive: At the end of the year, we will supply a report with the details your accountant will need to claim this credit on your corporate tax returns.

You can easily add garnishments and post-tax deductions in Gusto. We also automatically pay child-support garnishments for you in all states but South Carolina.

With next-day direct deposit, Complete and Concierge customers can run payroll by 5pm PT and get their team paid the next day. We'll debit funds from your account the next morning, and your employees will receive their direct deposit by 5pm local time. If your employees need their pay first thing in the morning, choose 2-day payroll.

Yes, we file W-2s and 1099s on your behalf. Employees and contractors receive electronic copies of their forms as well. If you switch to Gusto in the middle of the year, we will file complete W-2s for the entire year. During your setup, we gather the necessary wage information to help ensure W-2s are accurate for the full year.

There are quite a few. Check out the full list.

Yes, we support filing claims for the Federal R&D Tax Credit.

On payday, we send your employees a fun email with a link to their full paystubs.

Yes, direct deposit comes standard.

Employees get lifetime access to their Gusto account to see paystubs and W-2s. They can also contribute to nonprofit organizations directly from their paychecks and update their personal info in their Gusto account.

Health benefits through Gusto (including medical, dental, vision, HSA and FSA health plans, life and disability) are available today in Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington DC, Washington, and Wisconsin. We’re working hard to expand coverage to other states soon.

As long as we support health insurance in your company's home state, we can usually cover your out-of-state employees too. Our brokers can help you find options for your particular team.

Once you set up payroll with Gusto, you can view your recommended plans right from your account. Our fully-licensed brokers are also available to answer questions and help you choose a package that meets your budget and your team’s needs.

If you like the plan you have, good news! Many plans can be switched over to Gusto. If you’d like to look at new options, we have a range of plans from top carriers to help you find the balance of cost and coverage that’s right for you.

When you select your health benefits with Gusto, you’ll also have the option to add dental and vision coverage. For Health Savings Accounts and Flexible Spending Accounts, you can talk to one of our brokers to add those benefits, too.

Yes, you’ll have the option to add life and disability insurance policies when setting up health insurance in Gusto.

Absolutely! Gusto’s benefits advisors are fully-licensed professionals with years of experience. And they’re available by phone or email when you or your employees need some advice.

With Gusto, you get 100% online enrollment. Your employees can enroll in benefits, add dependents, and review their plan details in their Gusto account. We also have dedicated help just for employees to answer their benefits questions.

Yes, we help you handle COBRA requirements for employees who leave your company.

Your employees can make updates right in their Gusto account. It’s easy to add a dependent, change an address, change a name, and more.

Yes. 401(k) plans through our partner, Guideline are available in all 50 states.

Our partner, Guideline has some of the lowest fees in the industry. Guideline starts at $39/month plus $8/participating employee. There are no advisory AUM fees or extra management fees. Employees pay only the standard fund expenses; in Guideline portfolios, that ranges from 0.06%–0.07%.

Yes, absolutely! Guideline makes it easy to add employer contributions.

Guideline makes it easy for your employees to enroll in 401(k) plans, weigh investment options, and keep an eye on performance. Your team will have access to experienced Guideline advisors for any questions.

Many providers that offer 401(k) services are not fiduciaries. Our partner Guideline is a fiduciary, which means they are legally accountable for putting your interests first even if it reduces their compensation. Therefore, you can have peace of mind that they are acting in the best interest of your team.

Gusto tax-advantaged accounts are currently available in all the states where we support health insurance, which currently includes Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington DC, Washington, and Wisconsin.

HSAs and Health FSAs can be used to pay for qualified health expenses. Dependent FSAs can be used for eligible care expenses for dependents. Commuter benefits can be used to cover the costs of commuting, including public transit, parking, and carpooling options with Uber and Lyft.

Whether you choose to offer one, two, or all three of these benefits, there is an annual service charge of $200. There is a monthly cost of $4 per participant per account for FSA and Commuter Benefits (subject to a $20 monthly minimum), and a $2.50 per participant monthly cost for HSA (with no minimum).

Yes. 529 plans are available through our partner, Gradvisor in all 50 states.

After setting up payroll, you can easily start the process right from your Gusto account. Then, you’ll speak with a Gradvisor advisor to complete your selection and invite your employees to enroll.

Earnings from a 529 plan aren’t subject to federal tax and generally aren’t subject to state tax when used to pay for qualified education expenses. Some states provide tax deductions or credits to employees for 529 contributions, and some states also provide employers with tax credits for matching 529 contributions. Because state tax treatment of 529 plans varies by state, we recommend you consult your tax advisor about your state and local taxes.

There’s no setup fee for 529 plans. Employers pay $6 per participant per month, with an $18 per month minimum.

Yes, you have the option to boost employee savings with automatic company contributions.

Through our partner AP Intego, we offer workers’ comp in all states where private policies are required. Check out the requirements for your state.

Once you’ve added your employees to Gusto, you can apply for a policy in just a few clicks. You’ll get an estimate instantly, plus a final quote in a day or two from our workers’ comp insurance partner, AP Intego. Everything is done online, including digitally signing your policy.

AP Intego automatically withdraws only the amount you owe each period based on your actual payroll. This can help you avoid lump sum payments at the beginning and end of the year.

Yes! You can set up customized time-off policies within Gusto. With our Complete plan, employees can submit requests, managers can approve, and Gusto automatically tracks balances and accruals for you. We also sync with your calendar so you know when everyone is out.

With Gusto, you can sync your team’s time-off requests plus payroll deadlines, employee birthdays, and anniversaries to your calendar to stay on top of important milestones.

When you add a new employee, you’ll just enter some basic info like their name, salary, and email, and choose the documents you want them to fill out. Then invite them to self-onboard and Gusto will send them an email so they can e-sign their new hire paperwork, like W-4s and I-9s, and welcome them to the team. With our Complete plan, you can also have them sign custom docs, like offer letters and handbooks. All the signed forms are safely stored in Gusto and organized for easy reference whenever you need them.

With our Concierge plan, your payroll admin will get access to certified HR pros to answer questions; updates about certain state and local regulation changes to help you stay compliant; plus an HR resource center with an employee handbook builder and more.

Yes, you can organize all your employees with contact info, birthdays, and more. You can also organize your team into departments and set up an easy-to-use org chart. It’s your one system of record. Employees also get access to learn about your company and get to know their team.

With our Complete plan, you can send anonymous monthly surveys to your employees that ask a few pointed questions to get a pulse on how your team is feeling. Within a few days, you’ll receive actionable feedback that you can use to build a happier workplace.

Yes, with Permissions you can limit additional admins’ access to Gusto.

Yes. Customers on our Complete and Concierge plans have access to our time tracking solution that automatically syncs with payroll. Hourly and salaried non-exempt employees and contractors can track their hours for payroll.

We do not provide physical time clocks, but we integrate with several time and attendance partners so you don’t need to manually enter hours into payroll.

Yes, this is available to customers on our Complete and Concierge plans. Both salaried and hourly employees can track their hours worked on projects. Employers can get a report detailing their team’s cost on a per project basis.

When employees track their hours to projects, you get a breakdown of your workforce costs per project. If you need to combine workforce costs with other project costs (like overhead or materials), it’s simple to pull a report or send to Quickbooks Online or Xero.

Yes, you can sync departments, jobs, and projects with Quickbooks Online and Xero.

You bet. When you call or chat with us, you’ll be speaking with one of our friendly, experienced reps in our San Francisco or Denver offices. You can also email us!

Our team is available Monday through Friday, from 7am to 4pm Pacific Time.

If you have more than 10 employees, we have a dedicated team who will import all of your data securely into Gusto.

Yes, we’ll automatically send new hire reports to the state for you, and we help you and your employees complete mandated federal forms, such as I-9s, W-4s, W-2s, and 1099s.

Most states require you to have a workers’ comp policy. We’ll help you find a policy and calculate the premium payments.

We’re HIPAA, ERISA, and ACA compliant to keep your employee information secure and comply with federal regulations.

We handle COBRA requirements for you, emailing employees with the necessary paperwork when they leave your company and helping you manage them if they decide to enroll.

The rules for non-discrimination testing can be confusing. We help you navigate them and record annual tests, as required by the IRS, for various benefits-related products like FSAs.

With our Concierge plan, you can talk to a certified HR pros for any compliance-related questions. Plus, we’ll keep you notified of certain regulation changes that could affect your business.

Security is one of the top priorities at Gusto. We put the same amount of care in protecting your information as we would with our own information. We use encryption, firewalls, and other technology to help keep your data secure.

Yes. We offer multi-factor authentication to help confirm whether the right person is signing into an account. Using multi-factor authentication may add an extra level of security to your account.

We use the 256-bit Advanced Encryption Standard (AES) to protect the transmission of data to our site. Encryption can help protect data from unwanted disclosure or changes.

Access to our data centers is restricted. We take physical, procedural, and technical steps to safeguard information that may be hosted in our data centers.

Yes. The bank account information you provide in order to process payroll is secured using different anti-fraud measures. We adhere to industry standards and comply with applicable state and federal privacy and security laws.

We regularly review transactions for any suspicious activity. If we believe we’ve found anything out of the ordinary, we’ll investigate and let you know as quickly as possible.

Please visit AP Intego for information on uptime and past incidents. You can also subscribe to updates to be alerted in the rare event of a service interruption.

We offer 3 different payroll and HR plans so you can choose the one that’s right for you. You can add benefits and insurance to any Gusto plan. Check out our pricing for more info.

Each month, you will be charged the per person cost for each active employee (even if you haven’t paid them). You won’t be charged for contractors unless you pay them in any given month.

Nope! There are no annual contracts. You can cancel at any time.

There is no additional cost for employees in multiple states, for W-2s or 1099s, or for amendments. Check out our full list of payroll features to see everything that’s included.

Gusto Wallet (including Cashout and Cash Accounts) was designed to help improve employees’ short-term financial health, which is foundational to building long-term financial security. This benefit is an addition to our other financial health benefits like 401(k)s, 529 college savings, and life & disability insurance.

Gusto Wallet is available to active W-2 employees who receive payroll through Gusto. To access, employees can download the Gusto Wallet mobile app or log in to their Gusto account in any web browser. If employers would like to make Gusto Wallet available for their team, they can activate it right in their Gusto accounts.

Gusto Wallet, which includes Cash Accounts and Cashout, is free for employees, and no extra cost for employers. There are no account minimums and no hidden fees, except for charges like out-of-network ATM and foreign transaction fees. Please review the terms and conditions carefully.

Within Gusto Wallet, employees have access to their paystubs, Cash Accounts, Gusto Cashout, and automatic paycheck splitting.

Cash Accounts offer easy, online banking for employees. They include saving and spending accounts that earn interest on every dollar and come with a Gusto debit card. Plus, there’s the option to set up automatic savings every payday towards up to five different goals — things like vacations, gifts, or just a rainy day.

Gusto Cashout allows employees to access up to 40% of their estimated accrued net wages (max $500) between paydays to cover unexpected bills or emergency expenses. Funds are available as soon as the next business day or instantly with a Gusto debit card, and are automatically repaid from the employees’ next paycheck.

Gusto Cash Accounts, which include savings goals and a spending account, are demand deposit accounts that are FDIC insured up to $250,000. Gusto partners with nbkc bank, Member FDIC, to make it happen. So no, we’re not a bank. But we work with a good one to make sure your money is safe.

Employers can activate Gusto Wallet for their teams right in their Gusto account. For Cash Accounts, navigate to the benefits tab to check if the benefit’s active for your team. For Cashout, contact us at wallet@gusto.com to check for eligibility. And, of course, if you decide these benefits aren’t a good fit for your team, you can turn them off anytime in your benefits tab.