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Gusto

Score8.9 out of 10

1,262 Reviews and Ratings

What is Gusto?

Gusto offers payroll, benefits and compliance capabilities. Gusto is scaled for small to mid-sized businesses, and emphasizes an easy to use interface.

Media

Gusto's automated payroll
the time-off tracking interface
the source of truth for HR data

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Top Performing Features

  • Pay calculation

    Pay calculation provides for computation of employee pay with state and federal deductions.

    Category average: 9

  • Reimbursement management

    Reimbursement management provides cash reimbursement for employee expenses related to business travel or other.

    Category average: 8.1

  • Direct deposit files

    Direct deposit is the ability to electronically transfer pay to an employee’s personal bank account.

    Category average: 9

Areas for Improvement

  • Salary revision and increment management

    Salary revision is the ability to modify individual employee pay.

    Category average: 8.7

  • Benefit plan administration

    Benefit plan administration is administration of health insurance plans and 401k plans, and other benefits.

    Category average: 7.9

  • Support for external payroll vendors

    Support for external payroll vendors is the ability to integrate with 3rd-party payroll services.

    Category average: 7.2

Best Online Payroll Service

Use Cases and Deployment Scope

I've been using Gusto to run payroll for 10 years now, and I've never been tempted to switch. From the start, Gusto has been incredibly easy to use for someone without a business/finance/accounting background. I love that forms get filed automatically for me, new employees are able to onboard their own paperwork online, and everyone has online access to all of their forms and paystubs. Direct deposit works beautifully; I'm able to have benefits deducted with one setup and never have to think about it again; Gusto integrates with our time tracking app, so I just upload an employee time report and run payroll within a couple of minutes. I even get reminders when it's time to run. Over the years, they've expanded functionality without affecting the quality of the basics (unlike some other apps). I absolutely recommend Gusto!

Pros

  • Running payroll for employees and contractors
  • Integrating with other applications, such as Homebase timesheets and Intuit QuickBooks
  • Automatically staying on top of filing forms and payroll taxes
  • Providing adjacent services, including Worker's Comp Insurance
  • Responsive and competent customer service

Cons

  • I would use their time tracking feature if it included scheduling for hourly shifts

Return on Investment

  • Gusto has saved me plenty of time and headaches trying to calculate payroll on my own and file the proper taxes/forms on time
  • Saved money by running payroll myself instead having my accountant or bookkeeper handle it
  • Onboarding employees and out-of-state contractors has been a breeze

Usability

Other Software Used

QuickBooks Online, Homebase, Squarespace, Adobe Illustrator CC

Love Gusto

Use Cases and Deployment Scope

Recently, I hired my first employee. There are a lot of changes with that especially dealing with government agencies. Gusto was so wonderful helping me understand and get everything setup correctly. One gal emailed me proactively to ask if I needed help, which I did. I was so appreciative of her help. I am so thankful for Gusto. I could not do this without you. Your help staff are so kind and patient. They do a good job of helping when I need it.

Pros

  • Payroll
  • Customer Service

Return on Investment

  • Its made payroll so much easier

Usability

Mucho Gusto

Use Cases and Deployment Scope

I really appreciate the accessibility of my pay information in Gusto, especially how easy it is to view and even make edits when a new pay period comes up. It gives me a sense of control and keeps everything transparent. I also like that I can track my work schedule within Gusto—it’s convenient to have everything in one place, from my hours to my pay. It makes staying organized so much easier.

Pros

  • Direct Deposit
  • Paycheck Splitter
  • Schedule
  • Rainy Day Funds

Cons

  • Combining Deposit accounts if they are the same account

Return on Investment

  • Having all accounts in one platform than having different accounts and apps

Usability

Great for Startups Looking to Streamline Payroll and Compliance

Use Cases and Deployment Scope

This is a set-it-and-forget-it program that helps us run payroll affordably and accurately. Our company CPA has access and receives quarterly tax information, which helps us stay on track as a small LLC. I still need to figure out how to add benefits using the platform—it’s not super intuitive. When the IRS sends a cryptic note, I just forward it along, and a Gusto rep either explains what to do or takes care of it for me. That kind of support is amazing. Great!

Pros

  • Quarterly tax access for CPA
  • Gusto makes it easy for our CPA to access quarterly tax data directly, which saves us time and ensures tax reporting stays accurate for our LLC.
  • IRS support via human reps
  • Whenever we get confusing IRS mail, I forward it to Gusto. A real human rep either walks me through next steps or handles it directly—huge peace of mind.
  • Payroll automation
  • Once payroll is set up, it runs smoothly and automatically with little effort on my part. It’s reliable, affordable, and a great “set it and forget it” solution for a small business.

Cons

  • Digital compliance tools for remote teams
  • Gusto upsold us labor law posters, but I later found them available for free online. Since we’re a fully remote team, I had to manually download and distribute them digitally. It would be much more efficient if Gusto offered free, auto-distributed digital posters tailored to remote compliance.
  • Benefits setup is unintuitive for startups
  • While our rep was helpful, navigating the benefits system felt complex and not tailored to early-stage companies. More guided flows or simplified options for small, remote startups would be a big help.
  • Limited dashboard customization for remote workflows
  • As a fully online company, we’d benefit from dashboard options that highlight relevant tools for remote operations—like compliance tracking, digital communications, or onboarding checklists.

Return on Investment

  • Saved ~10+ hours/month on payroll and tax coordination
  • By automating payroll and giving our CPA direct access to quarterly reports, Gusto reduced the need for manual follow-ups and document sharing—saving me at least 10 hours per month as a founder.
  • Reduced legal/accounting risk during launch
  • Having a platform that handles state/federal tax filings and compliance helped us avoid potential fines or filing errors in our first year—critical peace of mind as we scaled.
  • Enabled growth without hiring admin staff
  • We’ve onboarded part-time employees and contractors without needing to hire a dedicated HR/payroll role. That’s thousands in annual savings while still operating professionally.

Usability

Other Software Used

Hubstaff, Snagit, Discord

Gusto Payroll -- Freelancers Consultants and SMB Owners Take Note

Use Cases and Deployment Scope

As a solo freelancer, I never thought I’d need a payroll service—but Gusto changed that. I run a one-person business and don’t offer benefits, so I assumed payroll software would be overkill or too expensive. I couldn’t have been more wrong.

Gusto makes it incredibly easy to pay myself as an S-Corp owner. Setting everything up—payroll, tax filings, and direct deposit—was straightforward and surprisingly fast. The interface is clean and intuitive, and I love how automated everything is. No more scrambling with quarterly tax payments or W-2s at the end of the year. Gusto handles it all behind the scenes, which gives me peace of mind and frees up my time to focus on actual client work.

Even though I don’t offer benefits, I still get access to all the core payroll features I need, and the pricing is fair for what you get. Plus, their customer service has been responsive and helpful any time I’ve had a question.

If you’re a solo freelancer running your business as an S-Corp and want a no-fuss, professional way to pay yourself and stay compliant, Gusto is 100% worth it. I wish I had signed up sooner.

Pros

  • Payroll
  • Customer Service
  • Easy Interface

Cons

  • I would like to see a lower price-point option given the features I use, but the cost is overall fair.

Return on Investment

  • Gusto has simplified the payroll process. I'm glad I chose it over ADP.
  • My accountant recommended Gusto and uses it seamlessly with QuickBooks to do my accounting.

Usability

Alternatives Considered

ADP Workforce Now

Other Software Used

QuickBooks Online