Add extra powerful benefits and tools to your plan.
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
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
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
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
Set up tax advantaged spending accounts for your team.
One $200 annual service charge covers all four account types.
Pre-tax savings accounts for qualified health expenses.$2.50/mo per participant No minimum
Pre-tax spending accounts for commuting costs.$4/mo per participant $20/mo minimum
Pre-tax flexible spending accounts for qualified health expenses.$4/mo per participant $20/mo minimum
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|
Run as many payrolls as you want, including bonus and off-cycle payrolls.
|All 50 states||
Run payroll in all 50 states.
Run payroll for employees working across multiple states.
|Tax filings and payments||
We automatically file and pay federal, state, and local payroll taxes.
|Next-day direct deposit||
Run payroll the day before your employees need to be paid.
|2-day direct deposit||
Run payroll two business days before your employees need to be paid.
|4-day direct deposit||
Run payroll four business days before your employees need to be paid.
|State and Federal Unemployment Insurance||
We automatically file and pay your state and federal unemployment insurance taxes.
|W-2s and 1099s||
We automatically generate W-2s and 1099s and send digital copies to your employees and contractors.
Deduct for garnishments. Plus, we'll send child-support payments for all states but South Carolina.
|Multiple pay rates and schedules||
Get the flexibility to pay employees with multiple pay rates and pay schedules.
Automatically adjust wages for FLSA minimum wage requirements and get help to claim the FICA Tip Credit tax incentive.
Pay employees conveniently and quickly via direct deposit.
|Paid-time-off policy tracking||
Set up vacation and sick policies, and track accruals and balances.
Select from federal holidays to create your paid holiday policy.
|Time-off tracker & reporting||
Track adjustments to employee time off policies, or run custom time off reports.
Integrate with QuickBooks, Xero, and FreshBooks.
Sync hours worked with payroll through TSheets, Homebase, When I Work, and more.
|State new hire reporting||
We automatically file state new hire paperwork for you.
View and export reports for payroll, benefits, employees, contractors, PTO, taxes, and more.
|Payroll on AutoPilot®||
Automated payroll that runs itself.
|Paystubs and tax forms||
Employees have access to paystubs and W-2s in their accounts.
Employees can always access their accounts, even after they leave your company.
Employees enter their personal info, including bank details and withholding.
We send your employees fun emails on payday with links to their paystubs.
|New hire welcome||
Send e-cards to welcome new employees and introduce them to their team.
Employees can access money between paydays to cover unexpected expenses.
|Employee mobile app||
Paychecks, time tracking, tax documents, and Gusto Wallet financial tools available on Android and iOS for W-2 employees.
|Early direct deposit||
Employees with a Gusto spending account¹ may get their paycheck deposited up to 2 days faster² with no extra work for you and no impact on payroll.
|Teams, departments, managers||
Organize your company into departments for reporting.
|E-sign I-9 and W-4||
Employees e-sign I-9s and W-4s, which are automatically stored in Gusto.
Add employee anniversaries and birthdays to your calendar.
|Health Benefits Administration||Core||Complete||Concierge|
|Licensed benefits advising||
Fully-licensed brokers will help you select a plan and enroll your employees at setup and renewal.
Employees enroll themselves entirely online.
Benefits experts answer questions ranging from prescription coverage to adding dependents.
|ACA, HIPAA, ERISA compliance||
Gusto is HIPAA, ERISA, and ACA compliant to comply with federal regulations.
|Worker's Comp Administration||Core||Complete||Concierge|
|Integrated pay-as-you-go policies||
Pay only the amount you owe each period, based on your actual payroll.
Billing is automated, so there's no need to send checks every month.
Get an instant online estimate to start the quote process.
|Unlimited phone, email, chat||
Friendly, experienced reps are available by phone, chat, and email.
|Customizable admin permissions||
Set up permissions for individual admins based on what areas of the application they should have access to.
Allow managers to access details about only the employees who report to them.
|Standard hiring and onboarding tools||Core||Complete||Concierge|
|Online offer letters||
Templates make it easy to send custom offers and get them signed electronically.
Includes standard tasks like setting up payroll, benefits, employee email, and more.
|Online document storage||
Save uploaded and e-signed documents to your Gusto account.
|Premium hiring and onboarding tools||Core||Complete||Concierge|
|Custom onboarding checklist||
Customize your onboarding checklists to keep track of to-do's, delegate tasks, and streamline new-hire onboarding.
Create, remove, and manage employee software accounts (ex. GSuite, Microsoft 365, etc.) through Gusto.
|E-sign custom documents||
Upload documents, map signature fields, and collect electronic signatures.
|Time management tools||Core||Complete||Concierge|
Built-in time tracking for hourly and salaried non-exempt employees and contractors. W-2 employees clock in and out via gusto.com or mobile app.
Built-in project time tracking for hourly and salaried employees.
Employees submit PTO requests for approval - or managers submit on their behalf. Approved time off automatically syncs to payroll.
|Automated payroll sync||
Approved PTO automatically populates in payroll.
Add PTO requests to your calendar, so you can easily see who's out, and when.
|Custom paid holidays||
Create custom paid holidays to add to your company policy.
Create an org chart that is also available to employees.
|Coworker directory and fun facts||
Build a directory for everyone in the company, including pictures and fun facts about team members.
Add custom fields to employee profiles so you can track t-shirt sizes, coffee orders, and more.
|Anonymous employee surveys||
Send monthly anonymous surveys to employees to gauge happiness.
|Survey trend analysis||
Compare survey results over time.
|Certified HR Pros||Core||Complete||Concierge|
Receive recommended readings related to areas that need your attention the most.
|Unlimited ask the pro||
Live, unlimited access to a team of SHRM- and HRCI-certified HR pros via phone and secure messaging.
|HR compliance help||
Create a great workplace and help minimize risk with advice on HR policies and compliance issues.
|Employee relations advising||
Answer tough employee questions and address issues with confidence.
|HR Resource Center||Core||Complete||Concierge|
|Custom employee handbook||
Build an HR pro-approved handbook that guides your employees and helps protect your organization.
|Job description templates||
Access hundreds of job descriptions to find the right candidates and evaluate ongoing performance.
|HR guides and policy templates||
Get quick guides and templates for common topics like health care reform, hiring, termination, etc.
|Proactive compliance updates||
Get certain alerts for state or federal law changes that may impact you.
|Dedicated support team||
Unlimited access to a dedicated team of Gusto care representatives.
|Direct line for phone support||
An exclusive phone number for fast answers to your questions about payroll, benefits, and HR.