Gusto vs Paycor
We give Gusto a 2.4 GPA and Paycor a 2.2, out of 4.0. Gusto grades higher on ease of use. They get the same grade on value for money, the free plan, features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Gusto
Payroll and HR for small businesses, with apps for owners and staff
Paycor
US payroll and HR software, with published prices under 50 staff
How we grade them
| 2.4GPAGustoFair | 2.2GPAPaycorFair | |
|---|---|---|
| Value for money | CSimple is $49 a month plus $6 a person, so $79 for a team of five. That sits between the cheapest quarter of this category ($65 or less for five) and the middle ($85). Pay people in more than one state and you need Plus at $80 plus $12 a person, which is $140. | CBasic is $99 a month plus $5 an employee, $124 for five: above Gusto and OnPay at $79 and QuickBooks at $85, though under Deel's $145. Onboarding needs Essential, $184 for five. Setup fees are waived and the first 6 months are 50% off. |
| Free plan and trial | FNothing free on record: no free plan and no trial in the listing. You pay from the first month. | FNo free plan or trial. The 50% off for 6 months is a discount on a paid plan, not a way to try it. |
| Features | BRegular and off-cycle payroll, taxes worked out by work location, time tracking, onboarding, document signing and expense claims, with contractors abroad as an add-on. That's the whole payroll job, spread across its three plans. | BPayroll with federal and state tax filing and unlimited runs, compliance alerts before payroll, early wage access for staff, onboarding with E-Verify from Essential, and HR advice and analytics on Core. The whole job across its bundles. |
| Ease of use | A4.8 from about 52,000 App Store ratings for Gusto Mobile, where owners approve hours and run payroll and staff see their pay and sign documents. | B4.53 from about 33,700 App Store ratings for Paycor Mobile, where staff see pay stubs, request time off and enroll in benefits. |
| Platforms and integrations | BWeb, iPhone and Android, and you can link your own systems through a command-line tool or an MCP server. No desktop app, and the full API is only for approved partners. | BWeb, iPhone and Android. No desktop app, and the listing names no integrations, though Core adds 401(k) integrations and partner apps handle payroll abroad. |
| Best for | small US teams that want payroll and HR in one app | employers under 50 who want HR to grow into |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Gusto and Paycor. How we grade
Price against what you get
Gusto starts at $49 a month and scores 3.3 out of 4 on features, ease of use and platforms. Paycor starts at $99 a month and scores 3.0.
Gusto scores higher and starts $50 a month lower. Of the other payroll services on the chart, none scores higher than Gusto for less, and 3 score higher than Paycor for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Gusto starts at $49 per month, plus $6 per person paid (Simple). Paycor starts at $99 per month, plus $5 per employee.
- Gusto also covers time tracking.
- Paycor also covers reports.
At a glance
| Gusto | Paycor | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | $49 per month, plus $6 per person paid (Simple) | $99 per month, plus $5 per employee |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Gusto, Inc. | Paycor, Inc. |
| Price read from | gusto.com | paycor.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Gusto
- Small US businesses paying W-2 employees and contractors
- Owners who want to approve hours and run payroll from a phone
- Teams that want staff to handle their own pay details and documents
Paycor
- US businesses under 50 employees that want to see a price before calling sales
- Employers that want payroll, onboarding and HR advice from one provider
- Hourly teams that want early wage access and a mobile app
Worth knowing
Gusto
- Gusto runs US payroll only: W-2 employees, state and local taxes and US contractors. Paying contractors abroad is a separate add-on covering 120+ countries.
- Many extras cost more on Simple: next-day pay is $15 a month plus $3 a person, same-day pay $90 a payroll and instant pay $100 a payroll.
- Priority phone and chat support is a $30-a-month add-on, plus $3 a person, on Simple and Plus.
- Gusto's API is open only to approved integration and embedded-payroll partners, not to customers building their own links.
Paycor
- Runs US payroll across all 50 states; payroll in other countries comes through partner apps in Paycor's marketplace.
- Prices are published only for businesses under 50 employees; larger ones get a quote from sales.
- The same page lists setup fees of $59 to $199, shown as waived, and a sign-up step with lower per-employee charges than the main table.
- Time tracking, scheduling, benefits administration and recruiting cost extra on top of the bundles.
Key features
Gusto
- Regular and off-cycle payroll
- Runs payroll on a set schedule, including hours, paid time off and bonuses, plus one-off payrolls for corrections or special bonuses.
- Tax withholding and deductions
- Works out federal, state and local taxes by work location, takes pre-tax and post-tax deductions, and pays by direct deposit or check.
- Time and time off
- Employees and contractors clock in and out and request time off in the app; admins review and approve hours before payroll.
- Onboarding and documents
- Add and onboard new team members from the app, and have employees read and sign documents there.
- Expense reimbursements
- Employees photograph receipts and submit expenses, and admins approve them in the app. The App Store listing limits this to Gusto Plus and Premium.
- Gusto CLI and MCP server
- Customers connect their own systems to their Gusto account through a command-line tool or an MCP server; the full API is for approved partners.
Paycor
- Payroll and tax filing
- Paycor calculates pay, files federal and state payroll taxes and handles W-2 and 1099 processing, with no limit on payroll runs a month.
- Compliance alerts
- A compliance dashboard flags missing or invalid tax IDs, address problems and direct deposit discrepancies before payroll runs.
- OnDemand Pay
- Employees can draw up to 50% of the wages they have earned before payday, or be paid onto the Paycor Visa card.
- Onboarding and E-Verify
- From Essential, new hires fill in forms, I-9s and tax documents online before their first day and sign documents electronically.
- Paycor Mobile
- Employees view pay stubs and tax forms, request time off, check schedules and enroll in benefits from the iPhone and Android app.
- Add-on modules
- Time and scheduling, benefits administration, recruiting and workers' compensation can be added to any small business bundle.
Plans
Gusto
Simple$49
per month, plus $6 per person paid
Payroll in one state: unlimited pay runs, tax filings and payments, and basic time-off and holiday pay rules.
Plus$80
per month, plus $12 per person paid
Adds multi-state payroll, time tracking and scheduling, unlimited next-day pay and contractor invoice handling. Marked best value.
Premium$180
per month, plus $22 per person paid
Adds a named advisor and premium support, HR guidance, Gusto Business Compliance, and unlimited same-day and instant pay.
Paycor
Basic$99
per month, plus $5 per employee
Payroll with federal and state tax filing, direct deposit, new hire filing, employee self-service, standard reports and OnDemand Pay.
Essential$149
per month, plus $7 per employee
Adds onboarding and E-Verify, the HR Support Center, time-off tracking and labor law posters. The page's sign-up step shows $6 per employee.
Core$199
per month, plus $8 per employee
Shown as COR. Adds on-demand HR advice, Paycor Analytics, 401(k) integrations and wage garnishment payments. The sign-up step shows $7 per employee.
CompleteCustom
Adds Paycor HR, career management, compensation planning and talent development. No price in the main table; the sign-up step shows $199 plus $12 per employee.
Ways to pay less
Gusto
No public discounts listed.
Paycor
- Other savings
50% off for the first 6 months
Paycor's small business pricing page offers new customers 50% off for 6 months as a limited-time offer, with some restrictions. Other parts of the page advertise free months of payroll instead.
