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Gusto Review

Katy Ward

In a Nutshell

Founded in 2011, Gusto offers cloud-based solutions such as payroll, employee benefits, and time management to more than 200,000 businesses in the US. As well as allowing you to perform unlimited payroll runs, the software can help ensure your business remains compliant with tax laws through automatic filing. Likewise, it can provide access to a wide range of employee benefits such as 401(k) plans and workers’ compensation.

pros

  • 1-month free trial
  • Unlimited payroll runs
  • Full of useful integrations

cons

  • 24/7 customer support not available
  • Some features not available in all states

Gusto Gusto Visit Site

Gusto at a Glance

Best for: SMBs, especially those employing contractors
Price range: $39/month (plus $6/month per person) - $140/month, (plus $12/month per person)
Benefits & HR: 401(k), Workers’ compensation, HSA and FSA, Health insurance administration, Dental, Vision, Commuter benefits
Automatic tax filing: Yes
Apps: Employee app on Android and iOS

Features and Add-ons

The software’s key features include hiring and onboarding solutions, employee benefits, time-tracking tools, and a payroll management service that allows you to make unlimited runs. Depending on your business’s specific needs, you can also apply to add the following to your plan:

  • Worker’s compensation
  • Commuter benefits 
  • Matching for employee charity donation
  • A cashout feature that allows employees early access to up to 40% of their paycheck 

Certain features, such as cashout, and some health benefits, such as dental and vision, are not available in every state. It’s therefore a good idea to check that all the tools you need are available in your region before you sign up.

As well as its service for businesses, Gusto also offers a Pro service that is catered specifically toward accounting professionals.

Tax Compliance

To help ensure you meet all relevant tax regulations, Gusto will automatically calculate, file, and pay all your federal and state taxes through e-file, e-sign, and e-fax technology. Likewise, it will issue and file relevant tax documents to both employees and contractors. 

Key tax forms handled by Gusto include the following.

  • Form W-2
  • Form 8974
  • Form 941
  • Form 940
  • Form 1099
  • State and local forms

The software will also make automatic deductions for any pre-tax benefits your employees receive or garnishments such as child support.

Payment Options

If you sign up to Gusto, your options for making payments to employees will depend on the plan you choose. All plans allow you to make payments through paperless or printed checks and prepaid cards. Also known as prepaid debit cards, payroll cards allow employees to receive their funds directly to the card by entering their card’s routing number and the account number in their Gusto profile.

Alternatively, you can pay your employees through next-day direct deposits if you choose the Complete, Concierge, or Select plans.

Pricing/Costs & Fees

If you’d like to subscribe to Gusto, you can choose between 4 plan types: Core, Complete, Concierge, and Select.

With bespoke pricing, the Select plan is aimed towards companies with a minimum of 25 employees, and its features will be crafted around your company’s requirements.

A free 1-month trial is available for the Core, Complete, and Concierge service.


Core
Complete
Concierge
Select

$39/month, plus $6/month per person
$39/month, plus $12/month per person
$140/month, plus

$12/month per person 

Contact company for pricing details
Full-service payroll
Employee profiles and self-service
Gusto-brokered health insurance administration
Employee health and financial benefits
Next-day direct deposit
X
Time tracking and PTO management
X
Hiring and onboarding tools
X
Project tracking and workforce cost reports
X
Performance reviews
X
HR resource center
X
X
Compliance alerts
X
X
Certified HR pros
X
X
Dedicated support team
X
X
Full-service payroll migration
X
X
X
Health insurance broker integration
X
X
X

Gusto Gusto Visit Site

Usability

With many users praising its simple and intuitive interface, Gusto could be an especially good choice for small business owners who may not feel particularly confident with new systems and different types of tech. With its use of large fonts and an accessible layout, the site feels friendly and welcoming, which can take some of the stress out of tasks such as payroll and tax compliance.

From an employee perspective, the Gusto Wallet app allows your staff members to manage paychecks, save money, and access funds in the event of an emergency. The app is available from both Google Play and the App Store.

In one of its most user-friendly features, the software has integrations with hundreds of other solutions. Some of the most popular include the following.

  • Workday
  • Xero
  • Zoom
  • Slack
  • Dropbox
  • Jazz HR
  • Breezy HR
  • Monday
  • Microsoft 365
  • QuickBooks

If you encounter any difficulties with the software, Gusto offers customer support via phone, email, or live chat. Customer service hours are 8AM-5PM (MST), Monday to Friday. Depending on the plan you choose, you could receive access to a dedicated customer team, as well as the company's HR pros, who have relevant HR qualifications and expertise in employment law.

Conclusion

If you’re seeking to streamline your payroll and employee benefits, as well as making sure your business is compliant with all relevant tax laws, Gusto has a great deal in its favor. In addition to its full-service payroll solution, it has a sleek and intuitive user interface. Although the company doesn’t offer 24/7 customer service, users can benefit from access to a dedicated customer support team who will be familiar with their business’s needs.

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.

Gusto customer reviews

Based on 215 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top Reviews

Ease of use

Brand satisfaction

Value for money

Service quality

6 months ago

Great detail throughout the software. Help is available when needed. Great customer support when I needed it.

7 months ago

I like it because it saves time and precious money, I am extremely grateful for the time I now spend with the family.

7 months ago

Gusto is a really good business management software tool. They have a lot of tools for your business to consider using, now and in the future, to help you grow.

7 months ago

Gusto is a good option for a payroll software. It offers the most premium features and is always upgrading its services and tools.

7 months ago

Gusto has a good storage facility for its software applications and it's more reliable. I've found it's more efficient when compared to other competitors' software.

7 months ago

I like that it is tailored for small and medium size businesses and can be easily installed and implemented.

7 months ago

It was very easy to use and understand. It also helps you learn how to use the program with many hands on activities.

7 months ago

Gusto is inclusive, innovative, and trustworthy. It has great marketing and Sales Force automation. Gusto's software allows me to manage all my company's relationships and interactions with customers and potential customers. It increases customer retention, shortens the sales cycle, and always helps us to sell more. It also decreases customer acquisition costs.

7 months ago

It does everything that it promises and then some. This software has saved me a lot of time and headaches when dealing with my employees payroll and taxes. Gusto really works, and I don't think I need to use anything else.

7 months ago

I love Gusto's human resource software. Their support was very helpful, and I found it the best software for me.

7 months ago

It's a bang for your buck. It helps management save lots of time and stress by taking on many management tasks for you.

7 months ago

It helps manage my employees and it helps me build my business. I really like the tools Gusto offers.

7 months ago

Gusto is very good HR software and has made our payroll process incredibly easy. Their customer support is excellent.

7 months ago

Gusto is a great tool to have for your payroll. My employees like the site a lot because it also gives them tools on how to save money, or saves it for them.

7 months ago

Gusto is great. The software is very inexpensive compared to other HR software. It's very effective at helping us streamline our processes and accurately gets the job done.

7 months ago

Gusto's best feature is payroll. Gusto allows you to run unlimited payrolls in all fifty states for both hourly and salaried employees. Gusto takes care of deductions and automatically files payroll taxes.

8 months ago

Gusto strives to help all their customers in the best possible way. I have never had an issue that they couldn't easily resolve. The customer support is excellent and the software works perfectly for us.

8 months ago

Great Human Resources programs. Fast & reliable customer service. All the resources you need on one platform.

8 months ago

I had an excellent experience with Gusto. It is extremely easy-to-use. I love it. It's easy to manage. I'm beyond happy to have found this.

8 months ago

The Gusto human resources platform is a small business owner's partner when coupled with its payroll service.

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