Let’s find the right plan for your business.

Join Gusto today and don’t pay a cent until you’re ready to run payroll.

Join Gusto today and don’t pay a cent until you’re ready to run payroll.

Core

For businesses with simple salaries, wages, and pay schedules.

Plan details:

Full-service payroll including W-2s and 1099s
Employee profiles and self-service
Employee health insurance administration and benefits
Employee financial benefits
Integrations for accounting, time tracking, and more
Friendly support

Complete

For businesses who need payroll, hiring, time tracking, IT support, and smart team management.

Plan details:

Everything in our Core plan, plus:

Next-day direct deposit
Time tracking and PTO management
Hiring and onboarding tools
Project tracking and workforce cost reports
Team management tools
Performance reviews

Concierge

For businesses who need HR guidance, custom policies, and expert compliance support.

Plan details:

Everything in our Core and Complete plans, plus:

HR resource center
Compliance alerts
Certified HR pros
Dedicated support team
certified HR experts
Rely on certified HR experts.
Tricky HR questions? Get direct access to HRCI and SHRM-certified experts.

Select

For growing businesses who need premium tools and dedicated support.

Plan details:

Crafted to scale with fast growing businesses. This plan includes:

Every feature from our Core, Complete, and Concierge plans, customized to your business
Full-service payroll data transfers and account setup
Health insurance broker integration
Direct access to a dedicated customer success manager
Waived fees and exclusive pricing

Contractor Only

For contractor-only businesses who haven’t hired W-2 employees yet.

$6/mo per person

Plan details:

Plan details:

Unlimited contractor payments across all 50 states
4-day direct deposit
1099-NECs at the end of the year
New hire reporting (if required in your state)
International contractor payments (available as add-on)

Does not include:

Does not include:

Back-up withholding or other contractor withholding required by state agencies
Plan add-ons (aside from international contractor payments)

Compare flexible features for all kinds of teams.

Customize your Gusto plan with powerful add-ons.

Offer more meaningful benefits to your team, add powerful time-saving tools, and uncover valuable tax credits. See pricing details below.

Offer more meaningful benefits to your team, add powerful time-saving tools, and uncover valuable tax credits. See pricing details below.

Money envelope

Payroll & HR tools Money envelope

International contractor payments

Manage cross-border payments to contractors in 95 countries and counting.

State tax registration

We'll handle the state and local paperwork when you need to file payroll taxes in a new state.

R&D tax services

Scan your payroll date to save up to $250,000 in annual payroll tax offsets. Powered by Ardius.

Health benefits

Health benefits Health benefits

Health insurance

Work with our licensed brokers to pick the right medical, dental, and vision plans for your team and budget.

Health insurance broker integration

In most cases, we can integrate your existing broker and eligible health insurance plans right into Gusto.

Workers' compensation

Set up pay-as-you-go workers' comp plans that integrate with your payroll. Powered by AP Intego.

Life and disability

Offer life, short-term disability, or long-term disability insurance to give employees peace of mind.

Penny heart

Financial benefits Penny heart

401(k) retirement savings

Help your team save for the future with simple 401(k) integrations that sync directly with payroll.

529 college savings

Provide your team with tax-advantaged savings plans for future education expenses. Powered by Gradvisor.

Money balance

Tax-advantaged benefits

One $200 annual service charge covers all four account types.

Money balance

Health savings accounts (HSAs)

Pre-tax savings accounts for qualified health expenses.

Flexible spending accounts (FSAs)

Pre-tax flexible spending accounts for qualified health expenses.

Dependent care FSAs

Pre-tax flexible spending accounts for qualified dependent care expenses.

Commuter benefits

Pre-tax spending accounts for commuting costs.

Add-on features aside from International Contractor Payments not available with Contractor Only plan; Select plan customers may receive discounts and waived fees for R&D tax services, broker integration, and Guideline 401(k)s.

Easily connect Gusto with the tools you need.

Make Gusto your system of record by automatically syncing payroll data with your favorite tools and software. One integrated system means less manual data entry, fewer errors, and more time to focus on taking care of your team.

Integrations
Integrations
Employee onboarding
Employee onboarding

What to consider when choosing a payroll provider.

What to consider when choosing a payroll provider.

Pricing FAQs

Trusted by more than 200,000 businesses and their teams.

1 The Gusto Cash Account, savings goals, spending account, and debit card are issued by nbkc bank, Member FDIC.

2 With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.

3 The Cashout Program is issued by Sunrise Banks, N.A., Member FDIC. The Sunrise Banks, N.A. Privacy Policy can be found here.

Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.