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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.

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

Core

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

$39/mo

plus $6/mo per person

Plan details:

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

Complete

For businesses with complex hiring, payroll, and team management needs.

$39/mo

plus $12/mo per person

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
See plan details

Concierge

For businesses with more sophisticated HR, policy, and compliance needs.

$149/mo

plus $12/mo per person

Plan details:

Everything in our Core and Complete plans, plus:

HR resource center
Compliance alerts
Certified HR pros
Dedicated support team
Rely on your team of experts
Think of us as an extension of your team—just a call or email away.
See plan details

Select

For growing businesses who need premium tools and dedicated support. (Minimum 25 employees)

Contact sales for pricing
Contact sales

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 migration
Health insurance broker integration
Direct access to a dedicated customer success manager
Waived fees and exclusive pricing
See plan details

Contractor Only

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

$6/mo per person

Plan details:

Unlimited domestic contractor payments
International contractor payments (available for an additional cost, see add-ons below)
4-day direct deposit
1099-NECs at the end of the year
New hire reporting (if required in your state)
These accounts do not include:
Back-up withholding or other contractor withholding required by state agencies
Plan add-ons (aside from international contractor payments)
See plan details

Contractor Only

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

$6/mo per person

Plan details:

Unlimited domestic contractor payments
International contractor payments (available for an additional cost, see add-ons below)
4-day direct deposit
1099-NECs at the end of the year
New hire reporting (if required in your state)
These accounts do not include:
Back-up withholding or other contractor withholding required by state agencies
Plan add-ons (aside from international contractor payments)

Add extra powerful benefits and tools to your plan.

Workers' compensation

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

  • Pay only for premiums
  • No administration fees

Health insurance

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

  • Pay only for premiums
  • No Gusto administration fees

Broker integration

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

  • $6/mo per eligible employee
  •  

401(k) retirement savings

Help your team save for the future with easy, affordable 401(k) retirement plans. Powered by Guideline.

  • Starts at $49/mo
  • + $8/mo per participant

International contractors

Complete cross-border payments and necessary compliance documents in more than 95 countries.

  • Foreign exchange rates may vary
  • Pricing shown before payment

State tax registration

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

  • Pricing varies by state
  •  

R&D tax credits

Scan payroll data to save up to $250,000 in annual payroll tax offsets through R&D tax credits. Powered by Ardius.

  • 20% of tax credits used + fees
  • Discounts available with Select plan

529 college savings

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

  • $6/mo per participant ($18/mo min)
  • No setup fees
Add-on features not available with Contractor Only plan; Broker integration not available with Core plan.

Set up tax advantaged spending accounts for your team.

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

team illustration

Health savings
accounts (HSAs)

Pre-tax savings accounts for qualified health expenses.

$2.50/mo per participant No minimum

Commuter
benefits

Pre-tax spending accounts for commuting costs.

$4/mo per participant $20/mo minimum

Flexible spending
accounts (FSAs)

Pre-tax flexible spending accounts for qualified health expenses.

$4/mo per participant $20/mo minimum

Dependent care
FSAs

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

$4/mo per participant $20/mo minimum

Compare plans by features

Monthly fees $39 + $6 per person $39 + $12 per person $149 + $12 per person
Unlimited payrolls
All 50 states
Multi-state payroll
Tax filings and payments
Next-day direct deposit
2-day direct deposit
4-day direct deposit
State and Federal Unemployment Insurance
W-2s and 1099s
Garnishments
Multiple pay rates and schedules
Tip credits
Direct deposit
Paid-time-off policy tracking
Holiday pay
Time-off tracker & reporting
Accounting integrations
Time-tracking integrations
State new hire reporting
Payroll reports
Payroll on AutoPilot®
Paystubs and tax forms
Lifetime access
Payroll self-onboarding
Payday emails
New hire welcome
Gusto Cashout™
Employee mobile app
Early direct deposit
Teams, departments, managers
E-sign I-9 and W-4
Calendar reminders
Licensed benefits advising
Online enrollment
Employee support
ACA, HIPAA, ERISA compliance
Integrated pay-as-you-go policies
Automated billing
Online estimates
Unlimited phone, email, chat
Customizable admin permissions
Manager permissions
Online offer letters
Onboarding checklist
Online document storage
Custom onboarding checklist
Software provisioning
E-sign custom documents
Time tracking
Project tracking
Time-off requests
Automated payroll sync
Calendar sync
Custom paid holidays
Org chart
Coworker directory and fun facts
Custom fields
Anonymous employee surveys
Survey trend analysis
Actionable feedback
Unlimited ask the pro
HR compliance help
Employee relations advising
Custom employee handbook
Job description templates
HR guides and policy templates
Proactive compliance updates
Dedicated support team
Direct line for phone support

Pricing FAQs