How Much Does Gusto Cost in 2026?

Let's do the math. A 20-person team on Gusto Simple pays $49 + (20 x $6) = $169/mo. The same team on OnPay pays $49 + (20 x $6) = $169/mo — identical. On Paychex Flex Essentials, it's $39 + (20 x $5) = $139/mo, which is $30 cheaper. So why would you pick Gusto? Two reasons: benefits and integrations. Gusto's health insurance, 401(k), HSA, and commuter benefits marketplace is genuinely good. OnPay includes benefits admin too, but Gusto's broker partnerships and plan selection are broader. Paychex has benefits, but only on the Select tier (custom pricing — meaning more expensive than $139). The 250+ integration ecosystem matters more than it sounds. If you're running QuickBooks, Xero, Slack, or any popular SaaS tool, Gusto probably connects to it. OnPay has just 40 integrations. That's a real limitation if your accounting software isn't on the list. Now the honest downsides: Gusto is US-only. If you hire even one person overseas, you'll need a second system — probably Deel. And the Plus plan at $80 + $12/person gets expensive fast. That same 20-person team jumps to $320/mo on Plus, which is almost double OnPay for features (like PTO management and team directories) that shouldn't cost an extra $151. Gusto's sweet spot is a US company with 5-50 employees that wants payroll, benefits, and a polished experience without calling a sales team. Outside that lane, look elsewhere.