Gusto Review 2026
Full-service US payroll with automatic tax filing, benefits administration, hiring and HR tools for small businesses.
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Quick Facts
What is Gusto?
Gusto, founded in 2011 in San Francisco, provides full-service payroll for US small businesses. It runs unlimited payrolls, calculates and files federal, state and local payroll taxes, and handles W-2s and 1099s. Gusto also offers health benefits, 401(k) plans, workers’ compensation, time tracking, onboarding and contractor payments. Plans are priced monthly with a base fee plus a per-person fee.
Key Features of Gusto
Full-service payroll
Unlimited payroll runs with direct deposit.
Automatic tax filing
Federal, state and local payroll taxes filed for you.
Contractor payments
Pay 1099 contractors and file year-end forms.
Benefits
Health insurance, 401(k) and workers’ comp administration.
Hiring and onboarding
Offer letters, e-signatures and new-hire reporting.
Time tracking
Track hours and sync them to payroll.
Gusto Pros & Cons
Advantages
- Easy setup and clean interface
- Taxes and forms filed automatically
- Benefits and HR in one place
- Contractor-only plan available
Disadvantages
- US businesses only
- Per-person fees add up as you grow
- Advanced HR features need higher plans
Who is Gusto Best For?
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Frequently Asked Questions About Gusto
Is Gusto safe?
Gusto is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.
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