Gusto vs OnPay: prices and state program coverage

Filing payroll taxes

Gusto

Gusto’s pricing page lists tax filings and payments on all three plans. Their page, Nov 9, 2026

OnPay

OnPay’s pricing page says federal, state and local tax filings are included. Their page, Nov 9, 2026

More than one state

Gusto

Gusto’s pricing page describes the Simple plan as payroll in one state and lists multi-state payroll on the Plus plan. Registering for payroll taxes in a new state is an add-on priced by state. Their page, Nov 9, 2026

OnPay

OnPay’s pricing page lists multi-state payroll in its base plan and says you can pay workers in as many states as you need. Their page, Nov 9, 2026

Filing new hire reports

Gusto

Gusto’s help center says Gusto files the new hire report with the state where the employee works when you choose Yes for "File new hire report", and sends it within a few days. Their page, Nov 10, 2026

OnPay

OnPay’s help center says OnPay handles new hire reporting in each state where you pay employees, once an employee is added and included in a payroll. Their page, Nov 10, 2026

What do Gusto and OnPay cost for 10 employees?

At list price, Gusto’s Simple plan is $119 a month for 10 people ($49 a month plus $7 per person) and OnPay’s Payroll Essentials plan is $109 ($49 a month plus $6 per worker), according to each company’s pricing page as read November 9, 2026. Add-ons, higher plans and discounts change the total.

Which state paid leave programs do Gusto and OnPay handle?

For Gusto we’ve read help documentation covering state paid leave programs in California, Colorado, Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, Oregon, Rhode Island and Washington. For OnPay we’ve read help documentation covering state paid leave programs in Colorado, Connecticut, Delaware, Maine, Massachusetts, Minnesota, Oregon and Washington.

Do Gusto and OnPay work with state retirement programs?

For Gusto we’ve read help documentation covering state retirement programs in Colorado, Connecticut, Delaware, Illinois, Maine, Maryland, Minnesota, Nevada, New Jersey, New York, Oregon, Rhode Island, Vermont and Virginia. For OnPay we haven’t found help documentation for a state retirement program yet, which doesn’t mean it can’t handle one.

Do Gusto and OnPay file payroll taxes for you?

Gusto’s pricing page lists tax filings and payments on all three plans. OnPay’s pricing page says federal, state and local tax filings are included.

Can Gusto and OnPay run payroll in more than one state?

Gusto’s pricing page describes the Simple plan as payroll in one state and lists multi-state payroll on the Plus plan. Registering for payroll taxes in a new state is an add-on priced by state. OnPay’s pricing page lists multi-state payroll in its base plan and says you can pay workers in as many states as you need.

Do Gusto and OnPay file new hire reports with the state?

Gusto’s help center says Gusto files the new hire report with the state where the employee works when you choose Yes for "File new hire report", and sends it within a few days. OnPay’s help center says OnPay handles new hire reporting in each state where you pay employees, once an employee is added and included in a payroll.