Gusto Review 2026: Is It Worth It?
6.6
/10
Phil Collective Score
Confidence: 0.95
What Is Gusto?
Full-service payroll, benefits, and HR for small to mid-size businesses. Gusto handles payroll tax filings, W-2s, 1099s, health insurance, 401(k), and onboarding. The Simple plan at $40/mo + $6/person is competitive. The UI is excellent and the payroll processing is reliable.
| Founded | 2011 |
|---|---|
| HQ | San Francisco, CA |
| Deployment | cloud |
| Category | Payroll |
| Free Trial | No |
| Free Plan | No |
| Affiliate Commission | $100-$300/referral |
Gusto Pricing
Premium
Custom
Contact sales
Simple
$40
per monthly
Plus
$80
per monthly
Gusto Features
| Feature | Available | Notes |
|---|---|---|
| Receipt scanning | ✗ | |
| Audit trail | ✗ | |
| Tax preparation | ✗ | |
| Accountant access | ✗ | |
| Bank reconciliation | ✗ | |
| Bill pay | ✗ | |
| Double-entry accounting | ✗ | |
| Expense tracking | ✗ | |
| Inventory tracking | ✗ | |
| Invoicing | ✗ | |
| Mobile app | ✗ | |
| Multi-currency | ✗ | |
| Multi-entity | ✗ | |
| Role-based permissions | ✗ | |
| Time tracking | ✗ | |
| API access | ✗ | |
| Bank feeds | ✗ | |
| Payroll integration | ✗ | |
| Budgeting | ✗ | |
| Custom reports | ✗ | |
| Financial reports (P&L, Balance Sheet, Cash Flow) | ✗ | |
| Project profitability | ✗ |
Gusto Alternatives
- Rippling — 7.6/10 — from $8/mo
- Patriot Software — 7.4/10 — from $17/mo