Gusto

Overview

Gusto serves more than 400,000 businesses and combines payroll, benefits, and HR into one platform. Every plan includes unlimited payroll runs, automatic federal and state tax filings, direct deposit, digital onboarding forms, and a mobile app for both employers and employees. Gusto files W-2s, 1099s, Form 940, Form 941, and other required forms on your behalf. Health insurance administration through Gusto as your broker costs nothing beyond the premium itself. Customers switching to Gusto report saving an average of 152 hours per year on tax and compliance work. The platform runs on month-to-month billing with no long-term contract, and you pay nothing until you run your first payroll. Gusto holds a 4.6-star average across 4,137 reviews on Capterra and earned the FastCompany 2025 award for Most Innovative Company in HR.

Features

• Automated payroll with unlimited runs per month
• Automatic federal, state, and local tax filings and payments
• Employee self-onboarding with digital I-9s and W-4s
• Health insurance administration at no extra admin fee
• Time tracking with GPS and scheduling included in Plus plan

Best for

Gusto works best for small businesses with 1 to 100 employees that want payroll, tax filing, and basic HR managed in one place without a dedicated HR staff member. It fits especially well for owners who currently spend hours each month on payroll manually or who need to offer health benefits without navigating broker relationships alone.