Gusto
Entry plan
Flat price, whole team$49.00
× 12 months$588.00
Per year
$4.90 per person / mo
$588
Gusto vs OnPay
Compare with for .
Gusto
77%
match · $588/yr
OnPay
75%
match · $588/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
OnPay
Entry plan
Flat price, whole team$49.00
× 12 months$588.00
Per year
$4.90 per person / mo
$588
Gusto
From $49
G2 4.6 · 13,553 reviewsUS small businesses that want published pricing, easy payroll, built-in benefits and light HR in one place without a sales process.
vs
OnPay
From $49
G2 4.8 · 415 reviewsSmall businesses that want low-cost, full-service payroll across one or several states, with human support for every customer.
Side by side
| Gusto | OnPay | |
|---|---|---|
| Pricing | From $49/mo + $6/person | $49/mo + $6/worker |
| G2 Rating | 4.6 (13,553 reviews) | 4.8 (415 reviews) |
| Best For | US small businesses that want published pricing, easy payroll, built-in benefits and light HR in one place without a sales process. | Small businesses that want low-cost, full-service payroll across one or several states, with human support for every customer. |
Pros and cons
Gusto
Pros
- Published, month-to-month pricing with no contract
- Benefits brokerage included with no Gusto admin fee
- Easy for owners and employees to use
- Clear upgrade path from single-state to multi-state with HR support
Cons
- Simple plan is limited to one state
- Same-day pay, instant pay and priority support cost extra below Premium
- No IT, device management or employer-of-record product
OnPay
Pros
- Multi-state and local taxes included in the base plan
- Same phone, chat and email support for all clients
- Free setup and data migration
- One simple plan with published pricing
Cons
- HR and time tracking cost extra
- Smaller integration ecosystem than Gusto or Rippling
- No published international contractor or EOR offering
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Stay with Gusto if you are a small US business that wants simple payroll and benefits with public prices. Pick OnPay to save money, Rippling to run HR, IT and payroll in one system, or Deel to pay people abroad.
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Choose Gusto for transparent, easy US payroll and benefits. Choose Rippling if you need payroll, HR, IT and global hiring in one system and can work from a custom quote.
+1
Marcus WilliamsUpdated October 2026