Gusto Pricing: Costs and Pricing Plans

Gusto is an online core payroll system that also includes benefits management and compliance. It’s a small business solution that integrates payroll, benefits, and workers’ compensation and compliance in one package. Gusto provides payroll, 401(k) and workers’ comp insurance nationwide.

Currently, health benefits are only available in 38 states and Washington D.C.: Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin. However, Gusto’s benefits feature will be available in other states in the future.

We reviewed Gusto and have compared it to other business software in terms of features and other attributes. This post will focus on its pricing.

How Much Is Gusto?

Gusto has three pricing tiers.

  • Simple – The Simple plan has a base rate of $40 per month, plus $6 per employee, per month. It includes full-service payroll in all 50 states, employee self-service, two-day and four-day direct deposit, basic hiring and onboarding, integration with third-party software, health insurance administration, employee financial benefits (e.g., Gusto Wallet), payroll and time off reports, custom admin permissions and full support (e.g., 24/7 help center, phone, email or chat support, access to extended live support).
  • Plus – The Plus plan has a base rate of $80 per month, plus $12 per employee, per month. It adds on multi-state payroll, next-day direct deposit, advanced hiring and onboarding, PTO management and policies, time tracking and project tracking, workforce costing and reports, team management tools, performance management and employees surveys and insights.
  • Premium – The Premium plan is intended for larger teams that want advanced features and services. Additional features include an HR resource center, advice from certified HR experts, compliance alerts, personalized priority support (e.g., access to a dedicated customer success manager, direct phone and email with expedited responses), full-service payroll migration, integration with an existing health insurance broker and R&D tax credits and discounts. Prospects are encouraged to contact Gusto for pricing.

There’s a Contractor plan for companies that want to pay their 1099 contractors. It has a base rate of $35 per month (although that is free for the first six months) plus $6 per contractor, and it includes unlimited contractor payments, contractor self-service and 1099 form creation and filings.

Gusto offers a one-month free trial that starts after a company runs its first payroll. Gusto also offers additional options for employee benefits and insurance:

  • 529 college savings plan – There are also no set up fees required, but there’s a $18 a month minimum, plus $6 a month per participant.
  • Health savings accounts – HSAs costs $2.50 per participant, per month (there’s no minimum fees)
  • Flexible spending accounts – FSAs costs $20 per month minimum, plus $4 per participant, per month.
  • Dependent care flexible spending accounts – This benefit also costs $20 per month minimum, plus $4 per participant, per month.
  • Commuter benefits – This benefit allows employers to help their employees cover commuting costs. It’s priced at $20 per month minimum, plus $4 per participant, per month.
  • Broker integration (for Plus plan users) – This feature costs $6 per month per eligible employee.

Finally, Gusto has a Time Kiosk feature that lets employees clock in/clock out from any internet-connected device. It costs $4 per employee, per month for users on the Plus plan (it’s free for users on the Premium plan).

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Gusto offers companies a choice of scalable pricing plans, a contractor plan and add-on services. Prospects can reach out to Gusto for more information or to sign up for a free trial.