Gusto

Gusto is an all-in-one payroll, benefits, and HR platform aimed squarely at small and mid-sized businesses. Its payroll runs automatically, calculates and files federal, state, and local taxes, handles multiple pay rates and schedules, contractor payments, and year-end forms, and syncs with accounting software. On benefits, Gusto acts as a licensed broker in many states, letting employers offer health insurance, and it administers retirement plans, including a natively bundled 401(k) offering following its acquisition of Guideline, plus other benefits like HSAs, FSAs, commuter, and workers' compensation. The HR side covers hiring and onboarding with offer letters and document collection, time and attendance, PTO, org charts, and compliance help, with an AI assistant for HR questions. Gusto is designed to be usable by an owner or office manager without an HR department, and it also sells a partner platform for accountants and bookkeepers who run payroll for many clients. The company serves more than four hundred thousand businesses and passed a billion dollars in revenue. It is sold as a paid monthly subscription with a base fee plus a per-person charge, across tiers that add more HR, hiring, and support features.