As many seasoned entrepreneurs would say, your people are your number one intangible asset. It’s, thus, crucial to invest in systems that would ensure that they’re well taken care of. In this Gusto review, we’ll discuss the benefits of the platform and how it can help you manage your workforce better. 

We’ll also review its features to find out which ones are the most helpful to small ventures. The service pricing is also a big factor, especially for startups that are trying to make the most out of their revolving capital. And last but not least, we’ll look at the pros and cons of opting in.

What is Gusto?

Gusto describes itself as the “people platform for small businesses.” It offers a one-stop-shop platform where you can run your payroll, manage your team’s benefits, and support your employees. 

The platform initially launched as ZenPayroll in 2012. Eight years later, it now provides its services to over 100,000 ventures in the US. In fact, it processes tens of billions of dollars worth of payroll. Likewise, the platform also helps each venture become a great place to work in by processing its benefits such as 401(k) accounts and health insurance.

The company is guided by its core values, which includes the following:

  • Ownership mentality.
  • Don’t optimize for the short term.
  • We are all builders.
  • Go the extra mile.
  • Do what’s right.
  • Be transparent.

Gusto reflects its values through the integrated platform they offer. Their services allow for payroll automation and simplify the process of taking care of employees. By taking the legwork off your shoulders, you can focus better on more pertinent business issues that need your full attention.

The quality of their service can be proved by the investors they’ve been attracting. Some of the successful mission-driven companies that invested in Gusto include T. Rowe Price, General Catalyst, Y Combinator Continuity Fund, and CapitalG.

Gusto Service Features

Here are the features you’ll enjoy with Gusto services.


Gusto promises a smart payroll system that’s easy to use for any entrepreneur. In fact, more than 8 out of 10 Gusto customers say the platform is easier to navigate compared to their previous payroll provider.

Gusto allows you to automatically file payroll taxes and provides employee access to money even between paydays. The payroll can be done in a matter of clicks and within a few minutes. You can also choose to set it on autopilot.

Aside from calculating your taxes, the service also files them with government agencies each time you run payroll. Other platforms may charge an extra fee for this, but with Gusto, this service comes included with the package.


The platform makes it easier for you to manage benefits such as medical, dental, and vision administration. Likewise, they also have licensed advisors who can guide you in finding the perfect package that will suit your needs. More importantly, advisors can help you choose benefits within your budget to ensure business sustainability.

Aside from the basic benefits, the service also allows you to integrate 401(k) retirement as well as other benefits. Your team will be thankful for extras such as life and disability benefits, health savings account, commuter benefits, 529 savings, and workers’ compensation. If you’re on the fence about issues regarding benefits, their advisors are just a phone call away.


Hiring and managing a team of employees can be stressful. Doing everything by yourself can be a tedious task if you don’t have a system to help you. The service promises to assist, from onboarding to managing every hire.

Gusto’s team management features include the following:

  • Offer letters. The system allows you to send excellent offer letters to your new hires, establishing professionalism from the get-go.
  • Onboarding process. Employees can sign contracts and forms and enroll in benefits and payrolls through the online platform. You don’t have to handle and keep a pile of documents.
  • Feedback and evaluation. You can use the platform’s anonymous surveys to get feedback from your team. Likewise, this feature also allows you to collect recommendations to improve your business process.

Time Tools

The service features time tools, which automatically computes each worker’s hours, time off as well as holidays. Hourly employees, as well as salaried non-exempt workers, can encode their hours in their accounts. The manager approves it, and the hours are synced right into their payroll. 

Also, you can customize paid-time-off policies to best suit the needs of your team. The system generates time tracking and time off reports in a single click. The report organizes the data by date, department, and employee, making it easy to track and monitor. Due to this automated system, you can cut your accounting process short when computing PTO liabilities.

Furthermore, this time tools are especially vital and helpful for industries that have complex time-tracking needs. For instance, ventures under retail or food and beverage can benefit a lot from this service.

HR Experts

Mishandling human resources can be a costly mistake. For instance, an Occupational Safety and Health Act (OSHA) violation can cost up to $7,000 in penalties. While an employee lawsuit can cost up to $160,000. Thus, it pays to stay compliant and to take care of your human resources from the start.  

Gusto’s Concierge plan offers support from certified HR experts to equip a venture with essential tools for nurturing human assets. The company has a team of HR guides dedicated to providing answers and resources to help you manage your team. Aside from staying on top of your workers’ needs, you’ll also get alerts to stay compliant and avoid fines.


According to studies, 4 out of 10 Americans don’t have $400 to pay for an unexpected expense. This can lead to a sticky situation if they find themselves in need of cash to pay for an emergency bill.

Gusto Cashout™ is a service teams rave about in their Gusto reviews. This system allows workers to get money between payday, depending on their earnings estimates. Because it’s built into the system, the money is repaid automatically from their paycheck without any interests or fees.


You can easily sync Gusto with your current software to reduce encoding mistakes and save time. The system can be integrated with accounting software such as FreshBooks, Xero, QuickBooks Online, and others. In the same vein, you can sync Gusto with time tracking platforms, point of sale systems, and business process software.

Gusto’s Pricing 

The platform offers four types of pricing packages depending on clients’ HR needs:


If you don’t have W-2 employees and only need to manage payments for 1099 contractors, this one’s for you. It comes with unlimited contractor payments and contractor self-service. Added to that, it also includes form 1099 creation and filing. This package comes at an affordable $6 a month per person without a base price fee per month.


This package comes with a full-service payroll, employee self-service, and profiles, as well as admin for health benefits and workers’ comp. It can also manage paid-time-off policies and includes access to Gusto Cashout™.

Just like the first package, a Core package will cost you $6 per month per person plus an additional $39 per month base price.


The complete package promises to provide better HR tools that make working at your firm extra pleasant for your team. Added to the services offered through the Core package, Complete also includes employee offers and onboarding and simple time tracking. Moreover, employees can use the system to request for time-off. 

This package also allows for a more open communication line between you and your team through employee surveys. Complete costs $12 per month per person plus an additional $39 per month base price.


If managing your growing team is too tedious and you can’t do it alone, this package comes with expert assistance. Aside from the services offered in Complete, this package also provides dedicated best-in-class support, direct line for phone support, assistance from Certified HR pros, and access to their HR Resource Center. Concierge costs $12 per month per person plus an additional $149 per month base price.

Pros and Cons of Gusto

Here are some pros and cons based on Gusto review by clients.

Pros of Gusto

  • Gusto offers effective tools to control your payroll and track everything without much effort.
  • The service provides great HR support and complete reports to help guide your business decisions.
  • It offers small ventures with a low-cost and practical option for self-service payroll.
  • Many employees like Gusto’s system that lets them track their time, benefits, and paystubs. 
  • The platform offers integration with many software solutions, so you won’t need to start from scratch.

Cons of Gusto

  • Gusto only allows two payment schedules per month. This could be a disadvantage for businesses with irregular payment arrangements.
  • According to a Gusto review, some software may not seamlessly sync with the platform.

If you’re looking for a system that will allow you to manage your team with minimal effort, Gusto is a great option. With an organized system and state-of-the-art tech, you’re assured that your employees are taken care of while you focus on other crucial parts of your business.