Gusto Review 2026: Features, Pricing, Pros & Cons

Reviewed by the ToolReviewHub Editorial Team · Last tested/updated: November 12, 2026

• Pricing: Simple $49 per month plus $6 per person per month, Plus $80 per month plus $12 per person and Premium $180 per month plus $22 per person, shown on the Pay My Team view; there is also a Pay Myself view. Read on the official pricing page on November 8, 2026.
• Category: Insurance
• Official site: gusto.com

What Is Gusto?

Gusto is an online payroll and HR platform that runs payroll, files and pays payroll taxes, and adds benefits, time tracking, onboarding, hiring tools and compliance support for small businesses.

Key Features

The strongest parts of Gusto’s offering come down to a handful of core capabilities:

• Gusto is an online payroll and HR platform that runs payroll, files and pays payroll taxes, and adds benefits, time tracking, onboarding, hiring tools and compliance support for small businesses
• Simple $49 per month plus $6 per person per month, Plus $80 per month plus $12 per person and Premium $180 per month plus $22 per person, shown on the Pay My Team view; there is also a Pay Myself view
• Read on the official pricing page on November 8, 2026

Gusto Pricing

Pricing: Simple $49 per month plus $6 per person per month, Plus $80 per month plus $12 per person and Premium $180 per month plus $22 per person, shown on the Pay My Team view; there is also a Pay Myself view. Read on the official pricing page on November 8, 2026. Plans and promotions change, so always confirm current numbers on the official site before you buy.

Pros and Cons

Who Is Gusto For?

Strong points: Pricing is published on the vendor’s official site. Weigh this before you commit: This review summarises public vendor information; we have not tested Gusto hands-on.

Best Gusto Alternatives

If Gusto is not quite right for you, a few other Insurance tools are worth a look:

• Way — a widely used insurance option worth comparing if Gusto does not check every box for your needs.
• Aura — a widely used insurance option worth comparing if Gusto does not check every box for your needs.
• Faye — a widely used insurance option worth comparing if Gusto does not check every box for your needs.

Strengths and Trade-offs

Based on its features and pricing, Gusto stands out for this: Pricing is published on the vendor’s official site. The main caveat: This review summarises public vendor information; we have not tested Gusto hands-on. Worth weighing both before you commit.

Pricing on the Official Page

On November 8, 2026, Gusto's pricing page was headed "Simple, transparent pricing" with the promise of payroll, benefits and HR in one place, no hidden fees and cancel any time, and had a Pay My Team and a Pay Myself view. On the Pay My Team view Simple (basic payroll in one state) was $49 per month plus $6 per person per month with unlimited payrolls, tax filings and payments and basic PTO policies and holiday pay. Plus (Best Value) was $80 per month plus $12 per person and added time tracking and scheduling, unlimited next day pay, multi-state payroll and contractor invoice management. Premium was $180 per month plus $22 per person and added Premium account support with a named advisor, HR guidance and tools, Gusto Business Compliance, unlimited same day and instant pay and project-based rules and costing. The homepage said Gusto handles payroll, HR and more and offered a free account and a demo, which are the company's own descriptions. For ten employees, Plus works out to about $200 a month on these figures, so multiply the per-person fee by your headcount.

What Other Users Say About Gusto

Public feedback from third-party sites as of November 8, 2026. Trustpilot figures vary by source, and several review sites are affiliates.

• Ratings: Capterra shows about 4.6 from over 4,000 reviews and G2 lists 4.6 from about 8,895 reviews, noting that customer support can be inconsistent.
• Trustpilot: scores differ by source, from about 1.9 out of 5 across 2,523 reviews to 2.5 and 2.7 in other snapshots. A Kimola analysis summarizes the main Trustpilot theme as slow, unresponsive and inaccurate customer service.
• Support: the most consistent complaint is slow help when tax or benefits problems arise, with tax filing errors and incorrect W-2s the common triggers, and one Premium reviewer said priority support did not speed up a benefits fix, while some Capterra reviewers praise knowledgeable staff.
• Price: we found no reliable evidence of a recent price increase, and cost complaints focus on per-employee fees, while published plan prices on some sites differ from the official page.
• Caveat: several sources are affiliate or aggregator sites, so verify Trustpilot numbers directly.

Sources: G2, Capterra, Kimola, Top10.

FAQ

How much does Gusto cost?
Simple $49 per month plus $6 per person per month, Plus $80 per month plus $12 per person and Premium $180 per month plus $22 per person, shown on the Pay My Team view; there is also a Pay Myself view. Read on the official pricing page on November 8, 2026. Prices change, so confirm on the official site before buying.

What are the main drawbacks of Gusto?
This review summarises public vendor information; we have not tested Gusto hands-on.

What else should you compare Gusto against?
Depending on your exact needs, Way, Aura, and Faye are worth comparing against Gusto in the Insurance category.

Final Thoughts

Overall, Gusto is a solid pick within Insurance if its core strengths line up with what you actually need. One thing to know upfront: This review summarises public vendor information; we have not tested Gusto hands-on.

Based on Gusto’s official website and pricing page. Third-party figures are marked as reported.