Gusto vs Rippling
We give Gusto and Rippling the same GPA: 2.4 out of 4.0. They get the same grade on all five counts.
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
From $49/mo
Rippling
HR, IT and finance platform with US and global payroll, by quote
Paid
How we grade them
| 2.4GPAGustoFair | 2.4GPARipplingFair | |
|---|---|---|
| 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. | CNo payroll price is published. Rippling says plans start at $8 an employee a month plus a base fee it doesn't state, so five people are at least $40 before that fee, and each module is priced on its own. Quote only. |
| 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. Eligible US venture-backed startups can get 6 months free, but that's a program you qualify for, not a trial anyone can start. |
| 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 fed straight from HR records, pay-run comparisons, US taxes filed, global payroll, an employer-of-record service and contractor payments abroad, plus approval rules and workflows. The whole job, at home and abroad. |
| 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. | A4.71 from about 16,600 App Store ratings. New hires and salary changes flow into payroll without retyping, though choosing and pricing the modules takes a sales call. |
| 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, with Xero, QuickBooks and NetSuite among more than 650 integrations. No desktop app, which keeps it off an A. |
| Best for | small US teams that want payroll and HR in one app | growing companies that want HR, IT and payroll as one |
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 Rippling. How we grade
Where they differ
- Rippling also covers workflow automation.
In commonWebiOSAndroidTime trackingExpense trackingPayroll
At a glance
| Gusto | Rippling | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | $49 per month, plus $6 per person paid (Simple) | Not published |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Gusto, Inc. | Rippling |
| Price read from | gusto.com | Not confirmed |
| 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
Rippling
- Growing companies that want HR, payroll and IT in one system
- Teams with staff or contractors in more than one country
- US venture-backed startups eligible for six free months
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.
Rippling
- No payroll price is published: Rippling says plans start at $8 per employee a month plus a base fee it does not state, and quotes the rest.
- Each product, such as payroll, benefits, time tracking or expenses, is priced separately, so the total depends on the modules chosen.
- It runs US payroll and pays people abroad through Global Payroll and its EOR; the pages read give no list or count of countries.
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.
Rippling
- Payroll fed by HR data
- New hires, salary changes and benefit deductions flow from the HR record into payroll, and taxes are filed with federal, state and local agencies.
- Pay run comparison
- Compare a pay run with earlier ones to catch changes in gross pay, taxes and deductions before approving it. Extra pay runs cost nothing more.
- Global payroll, EOR and contractors
- Pay employees abroad in their local currency, employ through Rippling's EOR where you have no entity, and pay contractors worldwide from invoices.
- Rippling AI
- Adds one-off bonuses, compares payroll costs across entities, answers employees' questions about pay changes and builds reports from a prompt.
- Workflows, policies and permissions
- Set who can view, create and approve pay runs, and automate HR and IT steps with custom triggers in Workflow Studio.
- Accounting and app integrations
- Links to Xero, QuickBooks and NetSuite for accounting, among more than 650 integrations.
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.
Rippling
Pricing could not be confirmed. See rippling.com.
Ways to pay less
Gusto
No public discounts listed.
Rippling
- Startups
6 months free for US VC-backed startups
Rippling's startup program gives eligible US venture-backed startups free access for 6 months, depending on their funding status and stage.
