Gusto vs Patriot Software: prices and state program coverage
Prices read November 9, 2026Help docs read November 8, 2026Listed alphabetically, not ranked
Short answer
Gusto’s lowest plan that files payroll taxes lists at $49 a month plus $7 per person, and Patriot Software’s at $37 a month plus $5 per worker paid, on each company’s pricing page as read November 9, 2026. For 10 people that is $119 a month with Gusto and $87 with Patriot Software, before add-ons or discounts.
Of the 33 state paid leave and retirement programs The Mandate Monitor tracks, we’ve read help documentation covering 28 for Gusto and 14 for Patriot Software. A program missing from either list may still be supported.
What do Gusto and Patriot Software cost?
| Plan | List price a month | 10 people |
|---|---|---|
| Gusto SimplePayroll in one state. | $49 baseplus $7 per person | $119 |
| Gusto PlusLists multi-state payroll, time tracking and scheduling. | $99 baseplus $12 per person | $219 |
| Gusto PremiumLists a named advisor, HR guidance and compliance tools. | $179 baseplus $22 per person | $399 |
| Patriot Software Basic PayrollDoesn’t include payroll tax filings or deposits. | $17 baseplus $4 per worker paid | $57 |
| Patriot Software Full Service PayrollAdds federal, state and local payroll tax filings and deposits. | $37 baseplus $5 per worker paid | $87 |
List prices from Gusto’s pricing page (read Nov 9, 2026) and Patriot Software’s pricing page (read Nov 9, 2026), before discounts and add-ons. The team-size figures are our arithmetic: the base fee plus the per-person fee for that many people.
Plans for each
The free route for state programs
You don’t need a payroll company to meet a state program’s rules. Each paid leave and retirement program page shows how to register and report directly with the state, which charges nothing to register.
Gusto
Gusto is an online payroll, benefits and HR service for small businesses.
From $49 a month plus $7 per person (Simple).
Patriot Software
Patriot Software sells online payroll and accounting software for small businesses, with a Basic payroll plan and a Full Service plan that also files payroll taxes.
From $37 a month plus $5 per worker paid (Full Service Payroll).
Listed alphabetically. We may earn a commission from these links; it never decides who’s listed or the order. How we make money.
Which state programs does each one cover?
We’ve read help documentation covering 14 state paid leave programs and 14 state retirement programs for Gusto, and 14 state paid leave programs and no state retirement programs for Patriot Software. Of the 28 in the table, 14 are documented for both, 14 for Gusto only and none for Patriot Software only.
| State program | Type | Gusto | Patriot Software |
|---|---|---|---|
| California SDI and Paid Family Leave CaliforniaPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 8, 2026 |
| Colorado FAMLI ColoradoPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| Colorado SecureSavings ColoradoRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| CT Paid Leave ConnecticutPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| MyCTSavings ConnecticutRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Delaware EARNS DelawareRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Delaware Paid Leave DelawarePaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| DC Paid Family Leave District of ColumbiaPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| My Illinois Savings IllinoisRetirement mandate | Retirement mandate | Help docread Nov 7, 2026 | None found yet |
| Maine Paid Family and Medical Leave MainePaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| MERIT MaineRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Maryland FAMLI MarylandPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| MarylandSaves MarylandRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Massachusetts Paid Family and Medical Leave MassachusettsPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| Minnesota Paid Leave MinnesotaPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 8, 2026 |
| Minnesota Secure Choice MinnesotaRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Nevada Employee Savings Trust (NEST) NevadaRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| New Jersey Family Leave and Temporary Disability Insurance New JerseyPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| RetireReady NJ New JerseyRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| New York Paid Family Leave New YorkPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 8, 2026 |
| New York Secure Choice New YorkRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| OregonSaves OregonRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Paid Leave Oregon OregonPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
| Rhode Island TDI and TCI Rhode IslandPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 8, 2026 |
| RISavers Rhode IslandRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Vermont Saves VermontRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| RetirePath Virginia VirginiaRetirement mandate | Retirement mandate | Help docread Nov 8, 2026 | None found yet |
| Washington Paid Family and Medical Leave WashingtonPaid leave | Paid leave | Help docread Nov 8, 2026 | Help docread Nov 7, 2026 |
A help doc is the company’s own article, or the state program’s help page naming the company. “None found yet” means we haven’t read one. It doesn’t mean the system can’t handle the program. 5 of the 33 programs we track aren’t in this table because we’ve found no help doc for either system.
Do they file payroll taxes, and in more than one state?
Filing payroll taxes
- Gusto
- Gusto’s pricing page lists tax filings and payments on all three plans. Their page, Nov 9, 2026
- Patriot Software
- Patriot’s pricing page lists federal, state and local tax filings and deposits on Full Service Payroll, as additions to Basic Payroll. 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
- Patriot Software
- Patriot’s pricing page says Full Service Payroll files in as many states as you need, at $12 a month for each additional state. 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
- Patriot Software
- We haven’t found a page of theirs that says.
Questions employers ask
What do Gusto and Patriot Software 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 Patriot Software’s Full Service Payroll plan is $87 ($37 a month plus $5 per worker paid), 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 Patriot Software 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 Patriot Software 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.
Do Gusto and Patriot Software 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 Patriot Software we haven’t found help documentation for a state retirement program yet, which doesn’t mean it can’t handle one.
Do Gusto and Patriot Software file payroll taxes for you?
Gusto’s pricing page lists tax filings and payments on all three plans. Patriot’s pricing page lists federal, state and local tax filings and deposits on Full Service Payroll, as additions to Basic Payroll.
Can Gusto and Patriot Software 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. Patriot’s pricing page says Full Service Payroll files in as many states as you need, at $12 a month for each additional state.
Do Gusto and Patriot Software 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. We haven’t found a Patriot Software page that says whether it files new hire reports.
Every payroll system side by side · Which system documents which state program
Sources
- Gusto pricing page (read Nov 9, 2026)
- Patriot Software pricing page (read Nov 9, 2026)
- The help document for each state program is linked in the table above. The full lists are on the Gusto and Patriot Software pages.