The Gusto Money Dashboard
See where you stand for payroll — before payday
Stop switching between bank accounts, spreadsheets, and payroll timelines. The Gusto Money Dashboard pulls it all together — your cash balance, upcoming bills, and estimated payroll — so you can see where you stand and act before it’s too late.¹
Run payroll with confidence
Know where you stand before payday — so decisions feel deliberate, not reactive.
See the bigger picture
Cash on hand is only part of the story. Understand what’s coming next and what it means for you.
Plan ahead — without slowing down
When you can see what’s ahead, it’s easier to keep things moving and make decisions with greater confidence.
Built on payroll
Connected to your Gusto payroll
For most businesses, payroll is their largest expense — and a major moment in the cash flow cycle. Because Gusto already runs your payroll, your upcoming payroll estimate is automatically factored into your dashboard. You don’t have to calculate it yourself or plug numbers into a spreadsheet.
Instant clarity
Know at a glance if you’re set for payroll
The Gusto Money Dashboard combines your cash on hand, upcoming bills, and the average of your last three payrolls to give you a clear payroll confidence status — high, medium, or low.¹
No toggling between accounts, mental math, or second-guessing. Just a clear signal telling you whether you’re projected to have enough funds for payroll — with time to act if you need to.
Stay ahead
See tight spots before they turn into problems
Cash flow issues often build quietly.
A simple funding status and projected balance view shows how your cash may shift before payroll runs — so you can spot a dip early and make a plan.
When there’s a gap, you’ll know — with time to act.
How it works
One clear view of what matters most
Step 1: Connect your accounts
Securely link your bank accounts via Plaid to see real-time balances.
Step 2: We factor in payroll automatically
Because Gusto runs your payroll, your upcoming payroll is estimated from recent runs — no manual entry required.
Step 3: See your projected balance before payroll runs
Cash on hand, bills due (via Gusto Bill Pay), and payroll — combined into one clear view, so you know if you’re covered with time to act.
Gusto Money
Even more ways to manage cash flow — built into Gusto
Every Gusto subscription includes access to Gusto Money, designed to work alongside payroll.
Use the Money Dashboard to see if you’re covered for payroll.
Pay and track bills with Bill Pay.²
Send invoices and bring cash in faster.
And if you need extra support, apply for a Payroll Bridge line of credit with Parafin to help fund payroll with confidence.³
Everything works together — because it’s all in one place.
Frequently asked questions.
The Gusto Money Dashboard gives you a forward-looking view of your estimated cash position by combining your current balances, upcoming bills, and estimated payroll into one projected view. This helps you see where you stand before payroll runs.
Access to the Money Dashboard is part of Gusto Money and available at no extra cost with your Gusto subscription.
No — but using Bill Pay helps ensure your upcoming expenses are reflected in your Dashboard projections. You can still connect your bank accounts to see balances and payroll estimates, but upcoming bills will not be factored in.
Yes. Bank connections are powered by Plaid and use secure, encrypted connections. Gusto does not store your bank credentials.
Get your team working with Gusto
1 Gusto Money Dashboard’s forecast is an estimate based on data from connected accounts and certain Gusto products you use. It may not reflect your complete financial picture, and actual results may vary. This information is provided for your convenience only and is not financial, tax, or legal advice. You are responsible for ensuring you have sufficient funds to meet payroll, taxes, bills, and other obligations on time. Please consult a qualified professional if you need advice.
2 Bill Pay and Invoicing services powered by Melio. Transaction fees apply and vary based on payment method and speed. See here (Bill Pay) and here (Invoicing) for details.
3 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.