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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchGusto’s three main payroll plans start at $49 per month plus $6 per person for Simple, $80 plus $12 per person for Plus, and $180 plus $22 per person for Premium, according to its pricing page accessed in 2026. Each includes unlimited payroll runs and automated payroll tax filing, but plan scope, headcount, and optional services affect the real cost. Gusto may suit a small business that wants payroll, tax filing, benefits, and some HR tools in one service; it may be a poor fit if you need complex automated shift scheduling.
How much does Gusto cost?
Gusto lists three main monthly plans, each with a base fee and a per-person charge. The figures below are the listed prices on Gusto’s pricing page accessed in 2026; confirm the live offer and terms before enrolling.
| Plan | Listed monthly price | Published scope and notable features |
|---|---|---|
| Simple | $49 base + $6 per person | Payroll in one state, unlimited payroll runs, tax filings and payments, basic PTO policies, and holiday pay. [Gusto pricing page] |
| Plus | $80 base + $12 per person | Multi-state payroll, time tracking and scheduling, unlimited next-day pay, and contractor invoice management. [Gusto pricing page] |
| Premium | $180 base + $22 per person | Premium support, HR guidance and tools, Gusto Business Compliance, same-day and instant pay, and project-based rules and costing. [Gusto pricing page] |
Gusto’s Help Center describes a separate Solo option for owner-only businesses, including sole proprietors and single-member LLCs; check Gusto’s live pricing page for its current price. Its Contractor Only option is separate from the three employee payroll plans. Tech.co reported a promotion of $0 base monthly for the first six months, then $35 per month plus $6 per person, in an article updated August 11, 2026. That promotion may have changed and should not be assumed to remain available. [Gusto Help Center plan guide] [Tech.co Gusto review]
Estimate your monthly base and per-person charge
For the three main plans, calculate the listed base fee plus the per-person charge multiplied by the number of people billed. For example, a business with five billed people would pay $79 per month on Simple ($49 + 5 × $6), $140 on Plus ($80 + 5 × $12), or $290 on Premium ($180 + 5 × $22), before optional services. This is arithmetic using Gusto’s published monthly prices, not a quote; billing rules and add-ons can change the amount.
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What does each plan include?
Gusto says every plan includes full-service payroll, unlimited payroll runs, and automatic federal, state, and local payroll tax filing. Its plan guide distinguishes the tiers chiefly by state coverage and added time, HR, and support tools. Gusto says U.S. contractors are billed only in months when they are paid, while monthly employee billing is based on active employees. [Gusto Help Center plan guide]
Simple: payroll in one state
Simple is positioned for businesses that need payroll within a single state. Its listed features include basic PTO policies and holiday pay. If the company needs to run payroll in more than one state, Gusto’s plan guide points to Plus or a higher tier.
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Plus: multi-state payroll and time tools
Plus adds multi-state payroll and time tracking, along with scheduling and faster pay options. Gusto’s pricing page lists unlimited next-day pay on this tier. The presence of scheduling features should not be taken to mean that the service handles every shift-planning workflow; Tech.co reports that Gusto lacks automated shift scheduling, an important distinction for businesses that need schedules built around complex staffing rules.
Premium: more support and HR capabilities
Premium is aimed at businesses seeking more hands-on support and expanded HR tools. Gusto describes an account partner, certified HR experts, performance and pay tools, custom reports, and payroll migration help in its plan guide. These capabilities may be valuable where the cost of HR guidance and implementation support is justified by the business’s needs.
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What can raise Gusto’s total cost?
The plan fee is not necessarily the full monthly cost. Gusto lists optional services with separate charges, and some benefits or integrations have variable pricing. Examples on its pricing page include:
- Time & Attendance Plus for Simple: $6 per person per month after a free trial.
- Next-day pay for Simple: $15 per month plus $3 per person.
- Instant pay when not included: $100 per payroll.
- Same-day pay when not included: $90 per payroll.
- Business Compliance: $85 per state per month on an annual contract.
- Health broker integration: $6 per eligible employee.
- Workers’ compensation: starting at $14 per month.
These are listed examples, not a universal add-on bundle or an all-in quote. Verify which services apply to your plan, workforce, and location on Gusto’s pricing page. [Gusto pricing page]
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Gusto’s main advantages
- Payroll and tax work are bundled. Gusto says every plan includes full-service payroll, unlimited payroll runs, and automated federal, state, and local tax filing.
- Higher tiers combine related tools. Depending on plan, businesses can add multi-state payroll, time tracking, benefits, HR resources, and support without assembling every capability from a separate provider.
- Published pricing makes an initial estimate possible. The base-plus-per-person structure lets a business model a starting cost, though add-ons and eligibility still need checking.
- One reviewer liked the interface and feature range. Tech.co describes Gusto’s interface as intuitive and praises its feature catalog and pricing structure. That is the reviewer’s assessment, not a usability test conducted for this article. [Tech.co Gusto review]
Gusto’s main drawbacks
- Per-person fees rise with headcount. A plan’s base fee is only one part of the bill, so compare the monthly total using the people who will actually be billed.
- Add-ons can complicate comparisons. Separate fees for time tools, pay timing, compliance, and integrations can make two businesses on the same plan pay different amounts.
- Shift-heavy employers should scrutinize scheduling. Tech.co reports no automated shift scheduling. If schedules depend on complex rules, check the exact workflow before choosing Gusto rather than assuming the included scheduling label covers it.
- Support experience may vary by tier. Tech.co reports fragmented support at lower tiers. Treat this as that publisher’s finding, not a guaranteed experience for every customer.
Is Gusto worth it for your business?
Gusto is worth considering if you want payroll, tax filing, and selected benefits or HR functions under one service, and the plan’s state coverage and per-person pricing fit your workforce. It is less compelling if you need automated shift building, if your business can meet its needs more cheaply with a simpler payroll service, or if the added support and HR features on higher tiers would go unused.
Before deciding, compare the same headcount and service needs across providers. Tech.co names Rippling and ADP RUN as alternatives, but a meaningful comparison depends on the business’s actual requirements and current quotes. [Tech.co Gusto review]
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- Calculate the base fee plus per-person charges for your expected billed headcount.
- Check whether payroll is needed in one state or multiple states.
- List any add-ons you would actually use, such as time tracking, faster pay, compliance, or benefits integrations.
- Confirm whether scheduling means time tracking and schedule management or automated shift assignment.
- Compare support expectations and contractor payment needs, as well as the total price.
Gusto’s published prices and promotional offers can change, so verify them directly before purchase. This review uses published plan descriptions and Tech.co’s review commentary; it does not claim firsthand product testing.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
