Published starting price
Can I budget before talking to sales?
Gusto
OnPay
Compare software with the real tradeoffs in view.
Choose two or three products. Compare cost, setup, support, and the operating details that change the decision.
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Products stay in the same category so the facts remain comparable.
2 of 3 selected
Payroll
Gusto
Payroll
OnPay
Payroll
Your comparison updates from the verified product records below.
Comparison overview
Gusto vs. OnPay
Current pricing, payroll software capabilities, and support details from official sources.
- Products
- 2
- Category
- Payroll software
- Official sources
- 6
Calculated cost scenario
Monthly base cost
Published base rates only. Benefits, add-ons, promotions, and payroll taxes are excluded.
149
Gusto Simple
$109/month
$49 base + (10 × $6)
CalculatedOnPay Payroll Essentials
$109/month
$49 base + (10 × $6)
CalculatedThe facts that change the choice
Each decision point is grouped so you can compare the answer first, then check the supporting detail and source.
Facts checked Jul 20, 2026
Published starting priceCan I budget before talking to sales?+
Gusto
OnPay
Comparison note
Compare the plan conditions and source details before choosing.
Payroll tax filing
Which recurring tax work is handled for me?
Gusto
Payroll tax filingWhich recurring tax work is handled for me?+
Gusto
Comparison note
The vendors publish comparable coverage for this criterion.
Payroll runs
Can I run bonuses, corrections, and off-cycle payroll without extra limits?
Gusto
Payroll runsCan I run bonuses, corrections, and off-cycle payroll without extra limits?+
Gusto
Comparison note
The vendors publish comparable coverage for this criterion.
Live payroll support
Can I reach a payroll specialist when something goes wrong?
Gusto
OnPay
Live payroll supportCan I reach a payroll specialist when something goes wrong?+
Gusto
OnPay
Comparison note
Compare the plan conditions and source details before choosing.
Multi-state payroll
Will hiring in another state force a plan change?
Gusto
OnPay
Multi-state payrollWill hiring in another state force a plan change?+
Gusto
OnPay
Comparison note
Compare the plan conditions and source details before choosing.
Direct deposit
How quickly can employees receive their pay?
Gusto
Standard; next-day available
Next-day pay is included with Plus and Premium or available as a Simple add-on
Review dueOfficial source
OnPay
Direct depositHow quickly can employees receive their pay?+
Gusto
Standard; next-day available
Next-day pay is included with Plus and Premium or available as a Simple add-on
Review dueOfficial source
OnPay
Comparison note
Compare the plan conditions and source details before choosing.
Error prevention
What catches payroll issues before submission?
Gusto
Automated calculations and filings
Guided payroll workflow with automated tax calculations
Review dueOfficial source
OnPay
Accuracy guarantee
OnPay says it handles tax-agency issues caused by its errors
Review dueOfficial source
Error preventionWhat catches payroll issues before submission?+
Gusto
Automated calculations and filings
Guided payroll workflow with automated tax calculations
Review dueOfficial source
OnPay
Accuracy guarantee
OnPay says it handles tax-agency issues caused by its errors
Review dueOfficial source
Comparison note
Compare the plan conditions and source details before choosing.
Sources and deeper reading
Check the evidence or read the full guide
The tool stays neutral. Published guides contain FieldOwner’s hands-on judgment and implementation context.
Official sources
Pricing and package details change. Facts are reviewed on a source-specific schedule and labeled when they become due or stale.
Popular comparison guides
Read the full reasoning or load a common pairing into the neutral comparison tool.
Gusto vs. ADP RUN
Published pricing and self-service simplicity compared with always-on payroll support.
Gusto vs. Paychex Flex
A software-led payroll workflow compared with a more service-oriented model.
Gusto vs. OnPay
Two transparent-price payroll tools with different HR and support approaches.
Not sure what to compare?
Start with payroll. Additional categories become available as their product facts meet FieldOwner’s verification standard.