Gusto and QuickBooks Payroll are each are online-based, automated payroll platforms that help you arrange and course of payroll, handle worker advantages and file payroll taxes. On the whole, QuickBooks Payroll is a extra inexpensive possibility, whereas Gusto gives extra options particular to human assets. Here is how they stack up.

How they evaluate

High Gusto benefits:

Extra options: Trying on the capabilities included in Gusto vs. QuickBooks Payroll on the entire, Gusto gives a greater variety of included options — with issues like worker profiles, gives and onboarding, time-off requests group charts and worker surveys. Plus, throughout the Core plan, Gusto gives automated new rent reporting, 1099 filings, a number of state tax filings and extra that both require a higher-level QuickBooks plan or further charges.

Integrations: No matter which plan you’ve got, Gusto lets you combine with third-party software program, together with time monitoring instruments, POS platforms and even accounting software program (QuickBooks On-line included). With QuickBooks Payroll, alternatively, you’re restricted to Intuit instruments except you utilize your software program with QuickBooks On-line. On this method, for those who don’t use QuickBooks On-line for accounting, you’ll should manually enter information out of your accounting software program into QuickBooks Payroll.

HR-specific options: Gusto goes past your typical payroll service and integrates many instruments usually related to HR software program or HCM (human capital administration) software program. Subsequently, for those who don’t need to spend cash on two separate platforms, you may handle the vast majority of your payroll and HR duties in the identical place.

Lack of extraneous charges: Though Gusto could also be costlier general, in addition they have extra options included and don’t cost many further charges. Whereas QuickBooks fees charges for contractor direct deposit, a number of state tax filings, 1099 filings, and so on. all of those are already included within the worth of Gusto Core.

Gusto additionally gives extra HR-specific options than QuickBooks Payroll, like the power to create and keep a enterprise organizational chart.

High QuickBooks Payroll benefits:

Reference to QuickBooks On-line: When it comes right down to it, one of many largest strengths of QuickBooks Payroll is its direct connection to QuickBooks On-line. QuickBooks On-line is without doubt one of the hottest and absolutely useful accounting software program options available on the market — so for those who already use this software program, it’s fast, straightforward and handy to arrange and run payroll in QuickBooks.

Worth: The decrease month-to-month per-employee value related to every of the QuickBooks Payroll plans makes it, on the entire, a extra inexpensive answer in comparison with Gusto. Plus, QuickBooks normally gives a promotion with their payroll plans, whether or not you buy it with or with out a QuickBooks On-line subscription.

Subsequent-day/same-day direct deposit: With Gusto, you have to ensure you run payroll at the least two enterprise days earlier than you need your staff to be paid. QuickBooks Payroll, alternatively, can accommodate next-day direct deposit for Core customers and same-day direct deposit for Premium and Elite customers. If you’d like the choice to pay your staff on a shorter timeline, it is a notable profit.

Devoted cell app: Though Gusto is mobile-friendly, they don’t have a devoted, downloadable cell app for his or her software program. QuickBooks Payroll, nonetheless, gives a totally useful cell app obtainable for each iOS and Android. This app is included free together with your subscription and is especially noteworthy in order for you the power to handle your payroll from wherever.

You may view payroll bills, enter worker hours, file taxes and pay with direct deposit — all on the QuickBooks Payroll cell app.

Core: $39 monthly + $6 per worker monthly.

Full: $39 monthly + $12 per worker monthly.

Concierge: $149 monthly + $12 per worker monthly.

Core: $45 monthly + $Four per worker monthly.

Premium: $75 monthly + $eight per worker monthly.

Elite: $125 monthly + $10 per worker monthly.

Limitless payroll runs in all 50 states, customizable schedules, a number of pay charges, staff and contractors included.

Limitless payroll runs in all 50 states, customizable schedules, a number of pay charges, direct deposit for workers solely (contractors require further price).

Accessible for each staff and contractors on four- or two-day processing schedule.

Accessible for each staff and contractors (requires a further price) with choices for next-day or same-day deposit.

Computerized submitting and fee for federal, state, and native taxes, together with filings throughout a number of states.

Computerized submitting and fee for federal and state taxes; no native tax filings; further price required for a number of states with out the Elite plan.

Well being advantages and employees comp administration included in all plans with no administration charges.

Well being advantages included with all plans however might require further charges; employees comp fee service obtainable for extra charges.

Can combine with third-party instruments in addition to Gusto companion add-ons for advantages like 401(ok) and 529 school financial savings.

Can combine with QuickBooks On-line and different Intuit instruments; requires a QuickBooks On-line subscription for extra software program integrations.

Cellular-friendly, however no devoted app.

Software program subscription contains entry to devoted cell app for iOS or Android.

Limitless telephone, chat, or e mail assist obtainable Monday via Friday from 6 a.m. to five p.m. PT; premium assist obtainable with Concierge plan.

Telephone and chat assist obtainable Monday via Friday from 6 a.m. to six p.m. PT; premium assist obtainable with Elite plan.


Each Gusto and QuickBooks Payroll are online-based options (though QuickBooks additionally gives a separate desktop answer for his or her Desktop customers) with three subscription plans to select from. The subscription plan you select will dictate the capabilities you obtain inside your system; the costlier plans include extra options.

Even so, Gusto stands out with its excellent HR options. Though it is at first a payroll answer, the platform extends its attain past easy payroll processing. On this method, Gusto is an optimum service for all-in-one HR and payroll administration, particularly for those who go for both of the top-tier plans.

With Gusto, you may select from their Core, Full and Concierge plans. Gusto additionally has a brand new possibility for contractor-only employers, who merely pay the $6/worker fee and no base worth. Though the Core plan is probably the most fundamental model of Gusto, it gives the important instruments you want for payroll, advantages and tax administration. Particularly, this software program contains:

Limitless payroll: Run payroll (with direct deposit) as incessantly as you need primarily based in your schedule. Payroll is robotically calculated primarily based in your setup and may accommodate a number of pay charges, worker sorts, contractors, bonuses and extra.

Tax submitting and funds: All payroll taxes (federal, state and native) are calculated and filed robotically; state new rent reporting is filed; W-2s and 1099s are additionally issued and filed.

Day off monitoring: Handle time-off accrual and insurance policies, together with vacation pay, sick time and corresponding reporting.

Reporting: View and export studies for payroll, advantages, taxes, staff, PTO, and so on.

Worker portal: Permit staff have entry to their very own portal with payroll setup, paystubs and tax types.

Worker profiles: Setup worker data and add groups, departments and managers. Permit staff to e-sign their I-9 and W-Four types.

Advantages: Handle well being advantages and employees comp with on-line enrollment for worker medical health insurance, in addition to billing and estimate assist for employees comp administration.

Integrations: Combine Gusto with accounting software program and time-tracking options.

Buyer assist: Entry limitless telephone, e mail and chat assist throughout common enterprise hours.

As you may see, even throughout the Core plan, Gusto offers important performance for managing your payroll and associated small-business HR processes. With their higher-level plans, nonetheless, they provide a wider vary of instruments for onboarding, time administration and professional assist.

This being stated, along with all the pieces listed above, the subsequent plan, Gusto Full additionally contains:

Permissions: Customise permissions for account directors, in addition to for managers to entry data for his or her direct studies.

Worker gives and onboarding: Ship on-line provide letters, retailer and keep worker paperwork and permit staff to e-sign customized paperwork.

Time administration instruments: Make the most of easy time monitoring, permit staff to submit time-off requests (and managers to watch them), sync time monitoring to payroll and create customized holidays.

Worker listing: Create a company chart and worker listing; add custom-made fields to worker profiles.

Worker surveys: Ship out nameless surveys to staff and monitor traits over time.

Lastly, with the final plan, Concierge, you obtain all the pieces in Core and Full, however you even have entry to larger human useful resource instruments and premium assist. Total, Full gives:

Licensed HR execs: Obtain reside, limitless entry to HR professionals to obtain help with payroll compliance, worker points and extra.

HR useful resource heart: Entry guides and templates for managing your crew, together with worker handbooks, job descriptions, coverage updates, and so on.

Devoted assist: Make the most of a devoted Gusto assist crew with a direct line for telephone assist.

QuickBooks Payroll options

QuickBooks On-line Payroll can also be obtainable in three subscription plans — nonetheless, the capabilities included in every of those plans are a little bit totally different.

To begin, it’s vital to say that QuickBooks gives this payroll software program at the side of their accounting software program, QuickBooks On-line, though technically it doesn’t have for use as a part of a QuickBooks On-line subscription.

This being stated, the primary QuickBooks Payroll plan, additionally referred to as Core, contains the next:

Payroll processing: Run payroll with robotically calculated paychecks adjusted for taxes, garnishments, deductions, and so on. Obtain the choice to arrange auto payroll for salaried staff on direct deposit.

Payroll taxes: Federal and state taxes are calculated, filed and paid robotically. This plan doesn’t provide native tax funds and filings or automated filings for brand new rent reporting.

Subsequent-day direct deposit: Submit payroll as much as 5 p.m. the day earlier than payday and your staff will obtain their direct deposit the subsequent day. Direct deposit for contractors would require a further per-person price.

Well being advantages: Work with SimplyInsured to seek out the fitting medical health insurance for what you are promoting; would require further charges.

Workforce portal: Give staff entry to QuickBooks Workforce to view their pay stubs, W-2s, PTO balances and withholdings on-line

Payroll studies: Create and obtain studies for payroll, PTO, taxes, contractor funds and extra.

Product assist: Entry buyer assist through telephone and chat throughout common enterprise hours.

QuickBooks integrations: Join QuickBooks Payroll to QuickBooks On-line, in addition to different Intuit instruments like TSheets, 1099 service and extra. Except you’re utilizing QuickBooks Payroll with QuickBooks On-line, you received’t have entry to any third-party integration choices — that means for those who use totally different accounting software program, you’ll have to manually enter that information.

As you may see, compared to Gusto’s Core plan, the Core plan from QuickBooks Payroll is sort of solely targeted on payroll processing and doesn’t embrace as many different HR-related providers. This being stated, nonetheless, maybe probably the most notable characteristic that QuickBooks Payroll gives that Gusto doesn’t is next-day direct deposit. All direct deposit payroll with Gusto is processed on a four-day or two-day timeline.

With this in thoughts, the subsequent plan that QuickBooks gives is their Premium plan. Like Gusto Full, QuickBooks Payroll Premium offers larger performance throughout the payroll platform. Particularly, this plan gives:

Similar-day direct deposit: Pay staff with direct deposit the identical day, so long as payroll is submitted earlier than 7 a.m. on payday (this service will not be obtainable for contractor funds).

Consumer permissions: Set permission ranges for customers; add, change or take away entry at any time.

Computerized state new rent reporting filings: Not like the Core plan, the Premium (and Elite) plan contains filings to satisfy state new rent reporting necessities.

HR assist heart: Entry a web based assist useful resource with data on compliance and HR finest practices; customise job descriptions, onboarding and efficiency instruments.

Knowledgeable evaluation: Request that an knowledgeable opinions your account setup to verify for frequent payroll errors, tax points and proper information switch (if relevant).

TSheets cell entry: Use the QuickBooks TSheet cell app to handle worker hours; let staff monitor their time on the app.

Whereas the Premium plan expands on the options of the Core plan, general, the options nonetheless principally deal with payroll, with only a few tangential HR capabilities (though this plan does embrace online-based HR assets).

The final QuickBooks On-line Payroll plan is the Elite plan. This plan contains the entire options of each Core and Premium, in addition to:

Personalized setup: Obtain skilled payroll setup and make sure that information is transferred appropriately if switching suppliers.

Time and mission monitoring: Observe mission hours and labor bills; arrange geofencing alerts for employees to clock in or out; view exercise feed with notes, pictures and mission updates.

Tax penalty safety: In the event you obtain an IRS penalty out of your payroll tax filings, QuickBooks can pay all penalty charges and curiosity as much as $25,000 per yr — plus, the QuickBooks tax decision crew will symbolize you and assist resolve any points with the IRS.

24/7 assist: Entry premium, U.S.-based payroll assist consultants through telephone and chat with callback assist to keep away from ready on maintain.

Private HR advisor: Work with licensed HR advisors by telephone or chat to reply questions, kind via points and create customized handbooks and insurance policies.

Finally, though QuickBooks will increase the performance of their payroll software program with further instruments within the Premium and Elite plans, their service is, on the entire, extra targeted on payroll — compared with Gusto, which extends your attain into duties involving worker onboarding and broader human assets administration. This being stated, nonetheless, the options included with QuickBooks Payroll are extra compelling for those who already use QuickBooks On-line or plan to buy the 2 software program subscriptions collectively.


Each Gusto and QuickBooks Payroll provide their three plans on a subscription foundation, that means you’ll pay a month-to-month base price, plus a month-to-month per-person price, which can rely on what number of staff you add to the system.

Let’s say you’ve got 20 staff. On this case, for those who enrolled each worker and went with the fundamental plan, your month-to-month value could be $159 for Gusto Core and $125 for QuickBooks Payroll Core. In the event you opted for both of the middle-tier plans, you’d pay $279 monthly for Gusto Full and $230 monthly for QuickBooks Payroll Premium. In the event you select the highest-tier plans, you’ll pay $389 monthly for Gusto Concierge and $325 monthly for QuickBooks Payroll Elite.

Based mostly on this instance, QuickBooks Payroll could be the extra inexpensive possibility. Finally, nonetheless, the extra inexpensive possibility will rely on what number of staff you’ve got, what you’re on the lookout for inside your payroll software program and for those who’ll incur any further charges. Though QuickBooks’ decrease per-employee charges are useful when it comes to pricing, in addition they cost for a lot of options which can be included inside a Gusto plan (like contractor direct deposit funds and a number of state filings for enterprise taxes).

To begin, Gusto costs their three plans as follows:

Core: $39 monthly plus $6 monthly per particular person

Full: $39 monthly plus $12 monthly per particular person

Concierge: $149 monthly plus $12 monthly per particular person.

Every of those plans contains the corresponding options talked about above.

With this in thoughts, it’s vital to notice that for those who make the most of the employees’ comp and well being advantages options that Gusto gives, you’ll solely pay for the premiums on these insurance policies and received’t pay any administration charges to seek out the plans you want and combine them together with your payroll platform.

Furthermore, on high of their three commonplace plans, Gusto does provide a handful of add-ons for fringe advantages, at related prices, together with:

401(ok) retirement plans: Begins at $39 monthly plus $eight monthly per taking part worker

529 school financial savings accounts: $6 monthly per participant, $18 monthly minimal

Well being financial savings accounts: $2.50 monthly per participant, no minimal

Commuter advantages: $Four monthly per participant, $20 month-to-month minimal

Versatile spending accounts: $Four monthly per participant, $20 month-to-month minimal.

All of this being stated, Gusto additionally gives a one-month free trial of their payroll service and there’s no long-term contract.

QuickBooks Payroll pricing

Though QuickBooks On-line Payroll, like Gusto, gives commonplace pricing for his or her three plans, it’s value mentioning that in addition they sometimes run promotional gives — both for QuickBooks Payroll by itself or at the side of a QuickBooks On-line subscription.

Retaining this in thoughts, commonplace pricing for QuickBooks Payroll is as follows:

Core: $45 monthly plus $Four per worker monthly

Premium: $75 monthly plus $eight per worker monthly

Elite: $125 monthly plus $10 per worker monthly.

If you wish to add a QuickBooks accounting subscription to your payroll platform, plans begin at $25 monthly for Easy Begin and vary as much as $150 monthly with Superior.

This being stated, it’s additionally vital to notice that, not like Gusto, QuickBooks Payroll requires a further price to pay contractors by direct deposit — $Four monthly per contractor fee for the Core plan, $eight monthly per contractor fee for the Premium plan and $10 monthly per contractor fee for the Elite plan. Furthermore, whereas Gusto doesn’t cost charges for a number of state tax filings (except you’ve got the Elite plan), QuickBooks will cost $12 monthly for every further state submitting you require.

Furthermore, QuickBooks additionally notes that use of their well being advantages options and employees comp advantages might require further charges, however doesn’t specify how a lot these charges are. They do, nonetheless, state that there’s at the moment a $5 month-to-month price for QuickBooks Payroll Core customers to make the most of the employees comp fee service.

Lastly, you even have the choice so as to add the next providers to your QuickBooks Payroll plan:

TSheets: Though TSheets cell entry is included with the Premium and Elite plans, in order for you full on-line entry for both of these plans or any entry with the Core plan, you may add this service for a $20 base price, plus $eight per consumer monthly.

1099 E-filing: $14.99 for 3 types; further types are $three.99. You probably have greater than 20 1099 types, QuickBooks will embrace them at no further cost.

Labor legislation posters: $87.99 for an annual subscription.

Like Gusto, QuickBooks gives a 30-day free trial of their payroll software program; nonetheless, utilizing this trial normally excludes you from making the most of one in every of their promotional gives. Nonetheless, there isn’t any contract requirement for QuickBooks payroll and you may cancel at any time.

A model of this text was first revealed on Fundera, a subsidiary of NerdWallet.


Please enter your comment!
Please enter your name here