Eddy vs Justworks (2026): which should you pick?

Pick Eddy if

• Fits if you run a small US team and want HR and payroll in one place
• Makes sense if you want time off and records handled alongside payroll

Look elsewhere if

• Pricey if you add payroll, as it is on top of the HR base fee and per-person charge
• Not for you if you pay staff outside the US, as payroll is US only
• Watch out: the hiring tool is another add-on at $199 a month
• Watch out: next-day pay costs extra, and support runs on limited live hours
• Skip it if you need to know the trial length first, as it is not stated

Pick Justworks if

• Fits if you want health plans and 401(k) through a PEO and accept co-employment
• Works for a team that clocks in on a shared iPad and sends expenses from phones

Look elsewhere if

• Pricey if you need time tracking, at $8 a person on top of every plan
• Skip it if your overseas people are employees, since they go on the $599-a-person EOR plan
• Not for you if you want to try it first, as there's no trial on record
• Watch out: on the Payroll plan, health insurance is an $8-a-month add-on per eligible employee, and HR consulting $30 a person
• Tight if you want links to other software, as the listing names no integrations

Eddy

• Payroll is a separate add-on at $50 per month plus $6 per person, charged on top of the $50 or $75 HR base fee and its per-person charge.
• Payroll is available in the US only.
• The hiring tool is another add-on at $199 per month.
• Next-day pay costs extra, and phone, chat and email support run on limited live hours.

Justworks

• Payroll and the PEO plans are for US teams. Staff abroad go on the $599 employer-of-record plan, or are paid as contractors in 60+ countries at $39 each a month.
• Health insurance through the PEO plans needs the co-employer arrangement; on the Payroll plan it is an $8-a-month add-on per benefits-eligible employee.
• Time tracking is $8 a month per employee on every plan, and dedicated HR consulting is $30 per employee.
• The employee app needs an account set up through an employer that uses Justworks.

Eddy

Full-service payroll

Unlimited payrolls per month, including bonus and off-cycle runs, with direct deposit and automatic federal, state and local tax filing and payment.

Year-end forms

Builds digital W-2s for employees and 1099s for contractors, and files forms such as 940, 941 and 8974.

Time tracking and time off

Clock in and out from the web or the mobile app, with overtime rules, geo-tagging, a tablet kiosk app, PTO policies and a who's-out calendar.

Employee records and documents

A single employee database with e-signature documents, W-4 and W-9 collection, new-hire task lists and training or license tracking.

Hiring add-on

Posts jobs to a career page and major job boards, with candidate messaging, hiring team reminders and offer letters.

Justworks

Pay stubs and earnings

Employees review payments, share pay stubs and see year-to-date earnings in the app.

Benefits at hand

Insurance details are available and shareable from the app, so staff do not need to carry a card.

Time off requests

Employees request time off in the app, and managers review and approve requests there.

Expense reimbursements

Staff upload receipts when they spend and submit reimbursement requests under the company's rules.

Time tracking and Terminal Mode

Clock in and out, manage breaks and shifts and submit timecards; Terminal Mode turns a shared iPad into a PIN-based time clock.

Company calendar and directory

A shared calendar of pay dates, holidays, time off and birthdays, and a directory of colleagues grouped by department.

Eddy

• Starter$50

  per month, plus $4 per person

  Core HR: records, document storage (up to 50 documents), onboarding, time tracking, time off and basic reporting. Payroll is not included.

• Growth$75

  per month, plus $8 per person

  Everything in Starter, plus training tracking, custom signature documents, onboarding templates, custom data fields, an org chart and manager approval flows.

• PremiumCustom

  Everything in Growth, plus Eddy Payroll, hiring, premium support and a dedicated support representative. Priced by quote.

• Payroll add-on$50

  per month, plus $6 per person

  Unlimited payrolls, 2-day or 4-day direct deposit, quarterly and annual tax filings, and W-2 and 1099-NEC preparation. Added on top of a base HR plan.

Justworks

• Payroll$50

  per month, plus $8 per employee

  Payroll for US employees with HR tools, expert support and access to time tracking. US-based contractors are $8 a month each.

• PEO Basic$79

  per employee / month

  Justworks becomes the co-employer: payroll, compliance, HR consulting, 24/7 support and 401(k). No base fee.

• PEO Plus$124

  per employee / month

  Everything in PEO Basic plus medical, dental and vision administration, HSA and FSA accounts. Marked popular. No base fee.

• EOR$599

  per employee / month

  Employer of record for hiring full-time staff abroad, with global HR and compliance support. No base fee.