Software to streamline HR services.
our rating 4.5 out of 5 Stars

GustoProduct Overview

  1. About Gusto
  2. Pros of Gusto
  3. Cons of Gusto
  4. Breakdown of Core Features

Gusto product overview

Gusto is an online HR service built to streamline the business processes involving payroll, benefits, and HR. In 2019, it won both the Expert’s Choice Award and Supreme Software Award. The service includes a reliable set of payroll features, intuitive easy to use interface and automation functions that are cost effective and can be tailored to business needs.

Built with small business in mind, users can automate the calculation, payment, and submission of payroll taxes to government agencies. It also provides the use of bank or check deposits, year-end forms, and tax calculations to avoid time-consuming or costly errors by handling company bookkeeping.

This system also provides payroll, 401(k), and workers’ comp insurance nationwide along with health benefits in 17 states including Arizona, California, Colorado, Florida, Georgia, Illinois, Massachusetts, Maryland, Michigan, New Jersey, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington. Other states are in the works and should be forthcoming. Companies are given access to a team of dedicated benefits advisors with years of healthcare experience.

Gusto is used by more than 100,000 companies with headquarters in San Francisco and Denver.

Pros of Gusto

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  • Easy to use and navigate
  • Friendly customer service
  • Clear and precise reports
  • Stay up to date on latest employment filing issues
  • No contract

Cons of Gusto

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  • Does not submit garnishments or retirement payments
  • Reimbursement for things like travel expense
  • Holiday pay for part time
  • Manual work around for some issues
  • No mobile app
  • Hours of operation for help are Pacific time

Breakdown of Core Features

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An overview of some of the main benefits with Gusto:

Saves Time

Gusto will save small to mid-size businesses time with the automation of calculations, ACA compliance, year-end forms, payroll taxes, and other workflow functions. All the data is synchronized and calculated in one system which frees up time for other business activities and focus.

Minimizes Error and Easy Navigation

With Gusto automatically calculating all the data, the chance for human error is nearly eliminated. Gusto acts as a personalized employee database, and users can access that information from any time and any web-enabled device. Track and locate employee contact data, I-9s, W-2s, time off balances, and more all in one place.

Payroll Automation and Streamline HR

Gusto automates all local, state, and federal taxes in the validated forms necessary, giving employers the tools they need to decide how employees are paid and how paystubs, tax filings, and W-2 forms are handled. Employees are able to download the information that is important to them even after they have left the company or business. All employee data is consolidated from new hire documents to emergency contacts to work anniversaries. This helps business also stay in compliance with HIPAA standards. All aspects of  Gusto are designed to meet HIPAA, ACA and ERISA standards, and the system will automatically check data and produce compliance reviews of benefit, send automated notices, and guarantee employee privacy.

Affordable, integrated 401(k)

Employers are able to set up and manage 401(k) plans with ease and thus enable employees to save money for retirement.

(Last updated on 02/02/2022 by Martin Shelby)

Quick Facts

  • Industry Specialties
    All Industries
  • Pricing
  • Works Best For
    Mid Sized Businesses, Small Sized Businesses


  • Lifetime Accounts for Employees
  • Digital Paystubs
  • Easy Charitable Donations
  • Employee Self-Enrollment
  • Automated New Hire Reporting
  • Automatic Payroll Tax Processing
  • Payroll on Autopilot
  • Contractor Payments
  • Net-To-Gross Payments
  • Unlimited Payroll
  • Cancel Payroll
  • Flexible Schedules
  • Detailed Payroll Reports
  • Multiple Pay Rates
  • Multiple Pay Schedules
  • Hourly and Salary-based Computations
  • Collaboration
  • Time-off Tracking
  • Direct Deposit and Checks
  • Software Integrations
  • Pre-Tax Benefits
  • Reimbursements
  • Multiple PTO options
  • Filterable payroll reports
  • Custom offer letters
  • Flexible Spending Accounts, Health Savings Accounts, and Commuter Benefits
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