Make your paycheck work harder with Gusto Wallet.

If your employer uses Gusto, the free Gusto Wallet app is for you. It’s a smart new way to track, save, and access your hard earned money.

Download on iOSDownload on Android

Want to use a web browser? Log in to Gusto.

It's your money. You decide where it goes.

Gusto Wallet puts your paycheck, Spending account, and savings tools all at your fingertips.

Set goals and save automatically.

Automatically tuck a little money away every time you get paid and earn 1.00% APY¹ with no account or overdraft fees.⁹

  • Create up to five Savings goals

  • Change your contribution anytime

  • Transfer to your Spending account instantly³

Use your card to spend confidently.

A Gusto Wallet Spending account⁴ comes with your own debit card. Plus, set up direct deposit and get paid up to 2 days faster.⁵

  • Get up to 2.00% APY¹ on Gusto. That’s more than the national average²!

  • Free withdrawals at over 37,000 ATMs nationwide⁶

  • Works with Apple Pay® and Google Pay™⁷

Build healthy spending habits with budget tools

Set a budget for necessities like housing, food, and transportation, and see how your spending stacks up each month – right from your Spending account.

You work hard for your money. Shouldn't it work hard for you too?

Track your money and time on the go.

Paychecks and W2s

Easily view paychecks, W2s, and other tax documents. Every paycheck includes a simple breakdown of hours, taxes, deductions, and more.

Transaction records

Get a clear record of your debit card activity, so you can track your transactions.

Paycheck splitter

Use the paycheck splitter to automatically route your paycheck into different accounts.

Time tracking

Clock in, clock out, and manage your hours at the touch of a button.

Answers to a few good questions.

You can keep your Gusto Savings goals and Spending account or close them — it’s your money to do as you like. You’ll still have access to Gusto Wallet both in the app and in your Gusto account. And if you want paychecks from your next job to go to your Spending account or Savings goals, you can set that up too — just like a regular direct deposit.

Yes! Your security is incredibly important to us. Activity and balances are kept completely private for your Gusto Savings goals and Spending account. Plus, these accounts are eligible for up to $250,000 of FDIC insurance.⁸

Your Gusto Savings goals and Spending account come with no account or overdraft fees.⁹

If you’ve never worked for any employer that used Gusto, you won’t be able to access Gusto Wallet. That said, we hope you’ll tell your boss about Gusto — and how easy it is to switch payroll providers!

Gusto is a payroll services company, not a bank. Your Gusto Savings goals and Spending account, are demand deposit accounts provided by nbkc bank, Member FDIC. Accounts are eligible for up to $250,000 of FDIC insurance.⁸

Nope, you can access your Gusto Spending account and Savings goals from your regular Gusto account. The web browser should work on both your computer and your smartphone.

One of our goals as a company is to serve modern employees like you. We work with your employer to offer a host of long-term and short-term financial benefits at your disposal, like 401(k)s and 529 college savings through Gusto.

Ready to put your paycheck to work?

Download on iOSDownload on Android