The Eddy Insider’s Guide
Everything we know about Eddy in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Eddy
The Insider’s Guide
HR records, time tracking and US payroll for small businesses
Every plan, grade, refund rule and rival among payroll services, read from Eddy’s own pages.
Made by Eddy · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Eddy’s own pages, its app-store listings and our grades. Every fact in it is on Eddy’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.0
GPA, above 11 of the 40 other payroll services we grade
Eddy is an HR platform for small and midsize US businesses that keeps employee records, documents, onboarding, time off and time tracking in one place. Full-service payroll, with tax filing in all 50 states, and a hiring tool are sold as paid add-ons to the base HR plans. Pricing is a monthly base fee plus a charge for each active employee.
To get you started, here are 9 things to know about Eddy, taken from its own pages and our grades.
- 1
Best for US payroll and HR for small teams
Eddy is HR software for US small businesses at $50 a month plus $4 a person, with payroll as a paid add-on.
- 2
Paid plans start at $50 a month
As its pricing page puts it: $50 per month, plus $4 per person (HR only; payroll is a paid add-on).
- 3
You can try it first
Starter and Growth show Create free account and Try for free buttons; the page does not state how long the trial lasts.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
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.
- 6
Year-end forms
Builds digital W-2s for employees and 1099s for contractors, and files forms such as 940, 941 and 8974.
- 7
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.
- 8
A 2.0 GPA, above 11 of 40
That is against the other payroll services we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
To replace Eddy you would be making payroll taxes worked out and filed with the government for you. That is not a weekend's work, with an AI app builder or without one.
Eddy at a glance
- Pricing
- Free trial, from $50 per month, plus $4 per person (HR only; payroll is a paid add-on)
- Free plan
- No
- Free trial
- Starter and Growth show Create free account and Try for free buttons; the page does not state how long the trial lasts.
- Runs on
- Web, iOS, Android
- Made by
- Eddy, since 2017
- Category
- Payroll
- Our grade
- 2.0 GPA, fair
The report card
Best for US payroll and HR for small teams
Eddy is HR software for US small businesses at $50 a month plus $4 a person, with payroll as a paid add-on. Payroll for five people comes to about $150 a month, and payroll works in the US only.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | D | Payroll is a $50 a month add-on plus $6 a person, on top of the HR base of $50 and $4 a person. For five people that is about $150 a month, against $29 in the middle. |
| Free plan and trial | D | Starter and Growth show Try for free buttons, but the page does not say how long the trial lasts. There is no free plan. |
| Features | B | Full-service payroll, year-end forms, time tracking and time off, employee records and documents. Hiring is another add-on. |
| Ease of use | C | No store rating on record. You enter employees and set up payroll. |
| Platforms and integrations | B | Web, iOS and Android, with no integrations listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Eddy is for
- 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
Who it is not for
- 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
Good to know
Good for
- Small US businesses that want HR records and payroll from one vendor
- Teams that prefer month-to-month terms over a contract
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$50
A month to start
Eddy is a paid product with a free trial, starting at $50 per month, plus $4 per person (HR only; payroll is a paid add-on).
Starter and Growth show Try for free buttons, but the page does not say how long the trial lasts.
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.
Premium
Custom
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.
Trying it first
Starter and Growth show Create free account and Try for free buttons; the page does not state how long the trial lasts.
Read from eddy.com on Nov 12, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
HR records, time tracking and US payroll for small businesses. Here is what it does, as its own site describes it, and what it covers: payroll, time clock, applicant tracking, employee records, time off.
Full-service payroll, year-end forms, time tracking and time off, employee records and documents.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
Its own pages name no integrations.
Eddy is made by Eddy, and has been around since 2017.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
11/40
Other payroll services it is graded above
Eddy's GPA of 2.0 is higher than 11 of the 40 other payroll services we grade, and level with 5.
It stands best on features (B, above 17 of 40) and worst on value for money (D, above 0).
Its paid plans start at $50 a month, against a middle price of $29 for the category: 20 of the 24 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 7 tools score higher and cost less.
Each grade against the category
Every bar is all 41 payroll services we grade, cut by the letter each got. Eddy’s own letter is outlined.
- DValue for moneyAbove 0 of 40
- DFree plan and trialAbove 27 of 40
- BFeaturesAbove 17 of 40
- CEase of useAbove 1 of 40
- BPlatforms and integrationsAbove 11 of 40
Price against what you get
Each dot is one of 25 payroll services. Further left costs less; higher up scores better on features, ease of use and platforms. Eddy is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Eddy you would be making payroll taxes worked out and filed with the government for you. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 24 of the 40 other payroll services grade higher. It costs $600 a year.
What you could make
- Employee records, time off and applicant tracking: an app builder makes these well.
What you could not
- Payroll taxes worked out and filed with the government for you.
- Clocking in from a phone, checked against where and when.
- A real app for iOS and Android. Something home-made would be a web page.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Eddy’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Gusto, OnPay, Justworks, Paycor and Patriot Payroll
The 5 tools Eddy is most often weighed against, with where each one differs from it.
- 2.4GPA
Gusto
From $49/mo
Payroll and HR for small businesses, with apps for owners and staff.
- Eddy also covers time clock, applicant tracking, employee records and time off.
- Gusto also covers time tracking and expense tracking.
- 2.6GPA
OnPay
Free trial · from $49/mo
US payroll with published prices, plus HR and time add-ons.
- Eddy also covers time clock, applicant tracking, employee records and time off.
- OnPay also covers time tracking and reports.
- 2.4GPA
Justworks
From $50/mo
Pay, benefits and HR platform for employers, with an app for staff.
- Eddy also covers time clock, applicant tracking, employee records and time off.
- Justworks also covers time tracking and expense tracking.
- 2.2GPA
Paycor
From $99/mo
US payroll and HR software, with published prices under 50 staff.
- Eddy also covers time clock, applicant tracking, employee records and time off.
- Paycor also covers reports and expense tracking.
- 2.6GPA
Patriot Payroll
Free trial · from $17/mo
Low-cost online payroll for small US businesses.
- Only Eddy lists iOS and Android apps.
- Eddy also covers time clock, applicant tracking, employee records and time off.
- Patriot Payroll also covers time tracking and reports.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
11
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Eddy free?
No, Eddy is a paid product, but you can try it first. Starter and Growth show Create free account and Try for free buttons; the page does not state how long the trial lasts.
How much does Eddy cost?
Eddy lists 4 plans. Starter: $50 per month, plus $4 per person.
What platforms does Eddy work on?
Eddy is available on Web, iOS and Android.
Does Eddy have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Eddy is listed for Web, iOS and Android.
Does Eddy have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Eddy is listed for Web, iOS and Android.
Is Eddy open source?
Eddy is not described as open source on its own site, as read on Nov 12, 2026.
Who makes Eddy?
Eddy is made by a company of the same name. It dates from 2017.
What are the alternatives to Eddy?
The closest alternatives to Eddy in our directory are Gusto, OnPay, Justworks, Paycor and Patriot Payroll.
How does Eddy compare with other payroll services?
Eddy's GPA of 2.0 is higher than 11 of the 40 other payroll services we grade, and level with 5.
Is Eddy good value for money?
ToolGPA grades Eddy D for value for money. Its paid plans start at $50 a month, against a middle price of $29 for the category: 20 of the 24 others that charge start lower.
Could I make my own version of Eddy?
To replace Eddy you would be making payroll taxes worked out and filed with the government for you.
Where this guide comes from
The prices, plans, platforms and features were read from Eddy’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Eddy's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Eddy. Prices change, so check eddy.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Eddy, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/eddy
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Eddy: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/eddy
Know someone choosing between payroll services?
Send them this guide: toolgpa.com/tools/eddy/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded payroll services after Eddy, each with an Insider's Guide of its own.
- Payroll Insider's GuideEvery one of the 41 payroll services we grade, compared
- Roll by ADP Insider's GuideChat-based payroll app for very small US businesses2.8 GPA
- SimplePay Insider's GuideSouth African online payroll with leave and self-service2.8 GPA
- BrightPay Insider's GuideUK cloud payroll with HMRC submissions and auto-enrolment2.6 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Eddy’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Eddy is a trademark of its owner, and this guide is not made, paid for or approved by Eddy. Prices and plans change: check eddy.com before you buy.