Gusto
HR
From$49/user/mo
10 people: $490 a month · $5,880 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per user
Gusto vs OnPay: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of HR tools. Updated for 2026.
At a glance
Side by side
Gusto starts at $49/user/mo (Simple) and OnPay at $49/mo (Payroll Essentials). For 10 people that's $490 vs $49 a month: OnPay is $441 a month (90%) cheaper than Gusto on list price.
OnPay
Cheaper for 10 people
From$49/mo
10 people: $49 a month · $588 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 2 plans · priced per plan
Plans
Gusto and OnPay plans
Every plan with a public price, in US dollars.
Gusto
Simple
Base fee + $6/mo per person · Single-state payroll
$49/user/mo
Plus
Base fee + $12/mo per person · Multi-state payroll, time tracking
$80/user/mo
Premium
Base fee + $22/mo per person · Dedicated advisor, HR experts
$180/user/mo
Price = monthly base + per active person. Pricing page blocked (403); figures from search snippets of gusto.com.
Prices from Gusto's pricing page, checked 26 Oct 2026.
OnPay
Payroll Essentials
Plus $6 per worker per month · Unlimited pay runs · Federal, state and local tax filings
$49/mo
Bundled HR
Plus $1 per worker per month · HR tools add-on bundle
$71/mo
Base fee plus per-worker fee: Payroll Essentials $49 + $6/worker; add-ons HR $15 + $2/worker, Time Tracking $15 + $4/worker, Bundled HR + Time Tracking $81 + $4/worker. Footer also cites 'from $55/month'. Benefits admin free (premiums extra).
Prices from OnPay's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Gusto (Simple) | OnPay (Payroll Essentials) | Difference |
|---|---|---|---|
| 5 people | $245/mo$2,940/yr a year | $49/mo$588/yr a year | OnPay $196 less a month |
| 10 people | $490/mo$5,880/yr a year | $49/mo$588/yr a year | OnPay $441 less a month |
| 25 people | $1,225/mo$14,700/yr a year | $49/mo$588/yr a year | OnPay $1,176 less a month |
Gusto is priced per user. OnPay is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Gusto vs OnPay: questions
Which is cheaper, Gusto or OnPay?
Gusto starts at $49/user/mo (Simple) and OnPay at $49/mo (Payroll Essentials). For 10 people that's $490 vs $49 a month: OnPay is $441 a month (90%) cheaper than Gusto on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Gusto and OnPay have free plans?
Gusto has no free plan in Surba's catalog. OnPay has no free plan in Surba's catalog.
More comparisons
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Paying for Gusto or OnPay? Track it in Surba.
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