Gusto pricing: plans and what a team costs
Gusto is an online payroll, benefits and HR service for small businesses.
Prices read November 9, 2026From Gusto’s own pages
Short answer
Gusto’s lowest-priced plan that files payroll taxes, Simple, lists at $49 a month plus $7 per person. That comes to $84 a month for 5 people, $119 for 10 and $224 for 25.
Its other plans are Plus at $99 a month plus $12 per person and Premium at $179 a month plus $22 per person. These are list prices from Gusto’s own pricing page, read November 9, 2026, before discounts and add-ons.
We’ve read help documents describing how Gusto handles 28 state paid leave and retirement programs, and each one is linked on this page.
What does Gusto cost a month?
| Plan | Base, a month | Per person | 10 people |
|---|---|---|---|
| SimplePayroll in one state. | $49 | $7 | $119 |
| PlusLists multi-state payroll, time tracking and scheduling. | $99 | $12 | $219 |
| PremiumLists a named advisor, HR guidance and compliance tools. | $179 | $22 | $399 |
List prices before discounts and add-ons. The team figures are our arithmetic: the base fee plus the per-person fee for each head. From Gusto’s own page, read Nov 9, 2026.
You can also run payroll yourself at no charge, directly with the IRS and your state. What that involves.
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Does Gusto file payroll taxes and new hire reports?
- Filing payroll taxes
- Gusto’s pricing page lists tax filings and payments on all three plans. Their page, Nov 9, 2026
- 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. Their page, Nov 9, 2026
- New hire reports
- 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
Which state programs has Gusto documented?
| Program | Type | What the documentation says |
|---|---|---|
| California SDI and Paid Family Leave California | Paid leave | Gusto’s paid family leave article lists California PFL as included in the employee disability (SDI) contribution and says Gusto usually pays state-funded PFL taxes for the employer. Read their help doc, Nov 8, 2026 |
| Colorado FAMLI Colorado | Paid leave | Colorado tax article says Gusto withholds and sends employee and employer FAMLI contributions each payroll once it is authorized as third-party agent; it does not file FAMLI for self-employed owners. Read their help doc, Nov 8, 2026 |
| Colorado SecureSavings Colorado | Retirement mandate | Gusto’s auto-IRA help article lists Colorado SecureSavings among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| MyCTSavings Connecticut | Retirement mandate | Gusto’s auto-IRA help article lists MyCTSavings among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| CT Paid Leave Connecticut | Paid leave | Gusto’s paid family leave article says Gusto deducts the 0.5% Connecticut Paid Leave contribution and submits it to the CT Paid Leave Authority quarterly. Read their help doc, Nov 8, 2026 |
| Delaware Paid Leave Delaware | Paid leave | Gusto’s paid family leave article says employers register with Delaware Paid Leave themselves and enter the PFML account ID in Gusto, which Gusto uses to file and pay the contribution. Read their help doc, Nov 8, 2026 |
| Delaware EARNS Delaware | Retirement mandate | Gusto’s auto-IRA help article lists Delaware EARNS among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| DC Paid Family Leave District of Columbia | Paid leave | D.C. tax article says Gusto collects the employer Paid Family Leave contribution and reports and pays it to D.C. Read their help doc, Nov 8, 2026 |
| My Illinois Savings Illinois | Retirement mandate | The My Illinois Savings (formerly Illinois Secure Choice) help center describes a 360-degree integration with Gusto (Simple, Plus or Premium) that receives contributions from payroll and sends employees’ savings-rate changes back to Gusto. Read the program’s help doc, Nov 7, 2026 |
| MERIT Maine | Retirement mandate | Gusto’s auto-IRA help article lists MERIT among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Maine Paid Family and Medical Leave Maine | Paid leave | Maine tax article says Gusto calculates and withholds PFML contributions and sends payments and filings (ME PFML-1 wage reports) to the state. Read their help doc, Nov 8, 2026 |
| MarylandSaves Maryland | Retirement mandate | Gusto’s auto-IRA help article lists MarylandSaves among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Maryland FAMLI Maryland | Paid leave | Maryland tax article says FAMLI deductions do not start until January 1, 2027, that there is nothing to set up in Gusto yet, and that Gusto will add how deductions and filings work before they begin. Read their help doc, Nov 8, 2026 |
| Massachusetts Paid Family and Medical Leave Massachusetts | Paid leave | Massachusetts tax article says Gusto withholds the employee and employer PFML amounts and files with the Department of Family and Medical Leave each quarter. Read their help doc, Nov 8, 2026 |
| Minnesota Secure Choice Minnesota | Retirement mandate | Gusto’s auto-IRA help article lists Minnesota Secure Choice among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Minnesota Paid Leave Minnesota | Paid leave | Minnesota tax article explains entering the Paid Leave rate (standard or small-employer) in Gusto and authorizing Gusto as third-party agent so it can file and pay Paid Leave premiums. Read their help doc, Nov 8, 2026 |
| Nevada Employee Savings Trust (NEST) Nevada | Retirement mandate | Gusto’s auto-IRA help article lists NEST among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| New Jersey Family Leave and Temporary Disability Insurance New Jersey | Paid leave | Gusto’s paid family leave article says Gusto withholds New Jersey Family Leave Insurance from employees at the state rate and lists it as one of four taxes reported to the state labor department. Read their help doc, Nov 8, 2026 |
| RetireReady NJ New Jersey | Retirement mandate | Gusto’s auto-IRA help article lists RetireReady NJ among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| New York Paid Family Leave New York | Paid leave | New York tax article explains setting up Paid Family Leave deductions in Gusto; Gusto deducts the employee share and leaves it in the company bank account for the employer to pay its insurance carrier. Read their help doc, Nov 8, 2026 |
| New York Secure Choice New York | Retirement mandate | Gusto’s auto-IRA help article lists New York Secure Choice among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Paid Leave Oregon Oregon | Paid leave | Oregon tax article says Gusto withholds Paid Leave Oregon contributions from employees (and employers when required) and sends payments and filings to the state. Read their help doc, Nov 8, 2026 |
| OregonSaves Oregon | Retirement mandate | Gusto’s auto-IRA help article lists OregonSaves among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| RISavers Rhode Island | Retirement mandate | Gusto’s auto-IRA help article lists RISavers among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Rhode Island TDI and TCI Rhode Island | Paid leave | Gusto’s paid family leave article says Temporary Caregiver Insurance is part of Rhode Island’s TDI tax, which Gusto withholds from each paycheck and sends to the state. Read their help doc, Nov 8, 2026 |
| Vermont Saves Vermont | Retirement mandate | Gusto’s auto-IRA help article lists Vermont Saves among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| RetirePath Virginia Virginia | Retirement mandate | Gusto’s auto-IRA help article lists RetirePath Virginia among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026 |
| Washington Paid Family and Medical Leave Washington | Paid leave | Washington tax article says Gusto withholds and pays the employee PFML premiums, with an option for employers to cover some or all of the employee share. Read their help doc, Nov 8, 2026 |
A program missing from this list may still be supported; we list only what we’ve read, in Gusto’s own help center or the state program’s.
Gusto side by side with another system
Questions about Gusto pricing
How much does Gusto cost per month?
Gusto’s lowest-priced plan that files payroll taxes, Simple, lists at $49 a month plus $7 per person. That comes to $84 a month for 5 people, $119 for 10 and $224 for 25. Its other plans are Plus at $99 a month plus $12 per person and Premium at $179 a month plus $22 per person. These are list prices from Gusto’s own pricing page, read November 9, 2026, before discounts and add-ons.
How much does Gusto cost for 10 employees?
At list price, Simple comes to $119 a month for 10 people: $49 plus 10 times $7. For the same team, Plus is $219 and Premium is $399. Prices are from Gusto’s pricing page, read November 9, 2026.
Does Gusto file payroll taxes for you?
Gusto’s pricing page lists tax filings and payments on all three plans.
Can Gusto 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.
Does Gusto 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.
Does Gusto handle state paid leave and retirement programs?
We’ve read help documents describing how Gusto handles 28 state paid leave and retirement programs, and each one is linked on this page. A program that isn’t listed may still be supported; we list only what we’ve read.
Every system’s list price in one table · Which systems document which state programs