Can I upgrade or downgrade at any time?

Yes, of course! Gusto was built to grow and evolve with your business. Whether you decide you need new features, or aren’t using the ones you have, upgrading your plan will kick in immediately, and downgrades will go into effect at the beginning of the next billing period (the first of the month).

Do I have to sign a long-term contract?

Nope. Gusto is month-to-month. Cancel anytime.

How many times can I run payroll per month?

Every Gusto plan comes with unlimited payroll runs. We’ll never charge you extra for things like off-cycle payrolls.

How much does health insurance administration through Gusto cost?

With Gusto as your broker, health insurance administration comes at no extra cost. You’ll only pay the cost of the insurance premium. Need a quote? We have licensed advisors who can walk you through the process. Want to keep your broker? For only $6/month per eligible employee, your broker can manage your plans right in Gusto. And Premium plan customers can integrate their health insurance broker for free.

What if my number of employees changes throughout the year?

With Gusto, you’re only charged for active employees. As you add new team members, your monthly price will increase. But if you have seasonal employees, or if an employee isn’t working during a given month, they can be temporarily deactivated and you won’t be charged.

How do you bill for contractors?

Contractors are billed at the per person cost for any plan you select. We know you might not pay your contractors on a regular schedule, so we only bill you for contractors in months when you’ve paid them.

How do I sign up for Gusto?

We’re happy to help whether you need to set up your first payroll as a new business (congrats!) or transfer an existing payroll from another provider (good choice). Click here to answer a few questions and get started. If you are moving an existing payroll, you’re going to want to have your EIN, and your team’s addresses and salaries ready. Plus, if it’s the middle of the year, gather any documentation about the payroll taxes you’ve already filed.

What tax forms will Gusto file for me?

We file federal, state, and local payroll tax forms on your company’s behalf (things like Form W-2, Form 1099, Form 940, Form 941, Form 8974, and others). What’s extra nice is that you can e-file, e-sign, e-fax, and e-store your documents right from your Gusto account. Easy!

Does Gusto integrate with other software?

We know it’s hard to give up the software you love. That’s why Gusto integrates with your favorite tools. We work with accounting programs like QuickBooks, Xero, Aplos, ZipBooks, Autobooks, and FreshBooks, plus other types of software like Expensify, Hubstaff, Clover, Homebase and more. Check out all of our integrations

Where can I find Gusto pricing for accountants?

Being a Gusto accounting or bookkeeping partner comes with a ton of benefits — dedicated support, free payroll for your firm, people advisory training, increased revenue share, and perks to pass along to your clients. Check out our Gusto for Partners page or email advisor@gusto.com to learn more.

I need more answers. Who can I contact?

If you’re shopping around, we recommend exploring our site a bit — you’ll find information about payroll, benefits, time tools, and more. Plus, our Help Center has lots of help information, especially for existing customers. If you need to get in touch with our team, check out our contact page.

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.

Simple

A streamlined set of automatic payroll features and benefits integrations.

Plan details:

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Full-service single-state payroll including W-2s and 1099s

Full-service single-state payroll including W-2s and 1099s

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Unlimited payroll runs

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Single state payroll

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Federal, state, and local tax filings

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W-2 filings

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1099-NEC filings (federal and state)

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Federal W-4s

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I-9 forms and support

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Direct deposits or printable checks

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Garnishment deductions and child support payments in most states

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Payroll reports

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Payroll on AutoPilot®

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Multiple pay rates and schedules

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Paid-time-off policies

Learn more

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Employee profiles and self-service

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Basic hiring and onboarding tools

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Gusto-brokered health insurance administration

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Employee financial benefits

Employee financial benefits

Benefits administration is included with all Gusto plans. Pick from our no-cost, low-cost, and premium options.

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Pay-as-you-go workers’ comp administration

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Medical, dental, and vision insurance

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401(k) retirement plans

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HSAs and FSAs

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Commuter benefits

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529 college savings

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Gusto Wallet cash accounts and free financial tools

Learn more

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Payroll and time-off reports

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Custom admin permissions

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Integrations for accounting, time tracking, expense management, and more

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Basic support

Plus

Comprehensive payroll, benefits, and HR tools for employers building a great place to work.

Plan details:

Everything in the Simple plan, plus:

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Full-service multi-state payroll including W-2s and 1099s

Full-service multi-state payroll including W-2s and 1099s

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Unlimited payroll runs

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Multiple state payroll (all 50 states)

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Federal, state, and local tax filings

•
W-2 filings

•
1099-NEC filings (federal and state)

•
Federal W-4s

•
I-9 forms and support

•
Direct deposits or printable checks

•
Garnishment deductions and child support payments to most states

•
Payroll reports

•
Payroll on AutoPilot®

•
Multiple pay rates and schedules

Learn more

•

Next-day direct deposit

•

Advanced hiring and onboarding tools

•

PTO management and policies

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Time tracking and project tracking

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Workforce costing and custom reports

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Team management tools

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Full support

Priority support and HR services add-on

Get access to HR experts and resources plus a direct line to phone and email support for faster service.

$8/mo per person

Premium

Scalable payroll and benefits, expert HR, and dedicated support for the complex needs of growing teams.

Plan details:

Everything in the Plus plan, plus:

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HR Resource Center

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Compliance alerts

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Access to certified HR experts

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Full-service payroll migration and account setup

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Health insurance broker integration

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R&D tax credit discount

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Waived fees and exclusive pricing

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Performance reviews

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Employee surveys and insights

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Dedicated support

See plan details

Contractor Only

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

$6/mo per person

See plan details

Plan details:

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Unlimited contractor payments across all 50 states

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4-day direct deposit

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1099-NECs at the end of the year

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New hire reporting (if required in your state)

International contractor payments (available as add-on)

Does not include:

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Back-up withholding or other contractor withholding required by state agencies

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Plan add-ons (aside from international contractor payments)

Hide plan details

Simple

A streamlined set of automatic payroll features and benefits integrations.

Plus

Comprehensive payroll, benefits, and HR tools for employers building a great place to work.

Premium

Scalable payroll and benefits, expert HR, and dedicated support for the complex needs of growing teams.

Contractor Only

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

Still on our original Core, Complete, or Concierge plan? See original plans and features

Compare flexible features for all kinds of teams.

Full-service payroll

Unlimited payrolls per month
Multi-state payroll
International contractor payments
State tax registration
Tax filings and payments
2-day and 4-day direct deposit
Next-day direct deposit
W-2s and 1099s
Digital pay stubs with lifetime access
Garnishments
Multiple pay rates and schedules
Tip credits
Payroll on AutoPilot®
Unemployment insurance
PTO policies and holiday pay
Custom paid holidays
Time tracking and project tracking
Time off requests and approvals
Time off calendar syncing
Expenses and reimbursements

Hiring and onboarding

State new hire reporting
Employee self-onboarding
Digital I-9s and W-4s
Offer letter templates
Custom offer letter templates
Onboarding checklist
Custom onboarding checklist
Document storage
Custom document e-signing
Email provisioning and deprovisioning
Software provisioning and deprovisioning
Job postings
Applicant tracking system

Employee benefits

Health insurance administration
Health insurance broker integration
Workers' compensation
HSAs and FSAs
Life and disability insurance
Gusto Wallet employee app
Spending and savings accounts
2-day early direct deposit
Gusto Cashout™
401(k) retirement savings
529 college savings
Commuter benefits

Insights and reporting

Payroll reports
Time-off reports
Workforce cost reports
Custom reports
Anonymous employee surveys
R&D tax credit services

Managing teams

Tools for remote teams
E-cards and celebrations
Custom admin permissions
Org chart and employee directory
Performance reviews

Guidance and support

Basic support
Full support
Priority support
Dedicated customer success manager
24/7 Help Center access
Licensed benefits advisors
ACA, HIPAA, ERISA compliance
Federal and state compliance alerts
Direct access to certified HR experts
HR Resource Center

Still on our original Core, Complete, or Concierge plan? See original plans and features

We're here to help.

Talk to our team.

Tell us more about your business so we can help you pick the right plan.

Check out our FAQs.

Jump to the bottom of the page to read some common questions and answers.

Check off your list.

Download and print this list of features so you can review, add notes, and share.

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.

Payroll & HR tools

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 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.

Financial benefits

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.

Tax-advantaged benefits
One $200 annual service charge covers all four account types.

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 (except international contractor payments) not available with Contractor Only plan; Premium plan customers may receive discounts and waived fees for R&D tax services, broker integration, Guideline 401(k)s, and more.

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.

View all apps

What to consider when choosing a payroll provider.

Does this work for teams my size?

Gusto was built for all kinds of teams. Some services are perfect for big corporations but overlook the needs of small businesses. That’s why a flexible payroll and benefits provider is so important. Whether you have a handful of employees or your company is quickly expanding into new states, Gusto’s platform offers flexible plans that cover everything from the basics to expert tools for fast-growing teams. Plus, you can easily upgrade or downgrade at any time.

What’s included in pricing?

We believe the most essential tools should be included—that’s why we don’t charge extra for basic things like off-cycle payrolls. With Gusto, you can pick the best plan for you, then customize it with add-ons to get the powerful functionality you want while saving money on features you don’t need.

Is it easy to switch?

Transferring your payroll data to a new provider can be daunting and tedious. With Gusto, you have someone to explain the process and help you through any tricky twists and turns. And if you have a larger team, we can often handle payroll data transfers on your behalf to help avoid errors and save you time. The same goes for your health benefits — we’re happy to transfer eligible plans right into Gusto so you can keep everything in the same place, all automatically synced with payroll.

Will this grow with my business?

Think about how much your team might grow in the coming years. You’ll want a payroll provider who can continue to serve your needs without making you jump through hoops or pay exorbitant additional costs. Gusto is a strong choice for small and medium sized companies with big aspirations. We understand your unique needs today and are committed to helping your team grow and thrive for years to come.

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.

Let’s find the right plan for your business.

Simple

$40/mo

Plus

$80/mo

Premium

Exclusive pricing

Contractor Only

Simple

$40/mo

Plus

$80/mo

Premium

Exclusive pricing

Contractor Only