Both Gusto and Xero Payroll are leading payroll software solutions, but which one is better for you and your business?
Below we compare Gusto and Xero Payroll across nearly 50 different data points to help you make find the right one.
Gusto vs Xero Payroll Reviews
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| Gusto | Xero Payroll | ||
| Trustpilot Rating | 3.4 | 4.3 | |
| Number of Trustpilot Reviews | 1927 | 5747 | |
| iPhone App Rating | 4.8 | 4.7 | |
| Number of iPhone App Reviews | 11600 | 26300 | |
| Android App Rating | 4.3 | 4.3 | |
| Number of Android App Reviews | 5010 | 7410 |
Gusto vs Xero Payroll Pricing
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| Gusto | Xero Payroll | |
| Free Trial | n/a | Yes |
| Free Trial Length | n/a | 1 month |
| Cheapest Plan Name | Simple | Early |
| Cheapest Plan Cost Per Month | $80 | $9.25 |
| Mid Priced Plan Name | Plus | Growing |
| Mid Priced Plan Cost Per Month | $80 | $9.25 |
| Top Plan Name | Premium | Established |
| Top Plan Cost Per Month | $By request | $17.5 |
Gusto vs Xero Payroll Features
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| Features | Gusto | Xero Payroll |
| Target Business Size | Mid size business | Small business |
| Unlimited Payrolls | ✔ | ✘ |
| Automated Tax Filing & Payments | ✔ | ✔ |
| E-sign I-9 & W-4 | ✔ | ✘ |
| Live Customer Support | ✘ | ✔ |
| Third-Party Integrations | ✔ | ✔ |
| Ability To Manage Employee Benefits | ✔ | ✔ |
| Employee Access To Platform | ✔ | ✔ |
| Direct Deposit | ✔ | ✔ |
| Expense Reimbursement | ✔ | ✔ |
| Time Off Accrual | ✔ | ✔ |
| Pre-Tax Deductions | ✔ | ✔ |
| Wage Garnishment | ✔ | ✔ |
| Background Checks | ✘ | ✘ |
| Check Printing | ✔ | ✔ |
| Check Delivery | ✔ | ✘ |
| API | ✘ | ✔ |
Gusto Simple Features
- Full-service single-state payroll including W-2s and 1099s
- Full support
- Employee profiles and self-service
- Basic hiring and onboarding tools
- Gusto-brokered health insurance administration
- Employee financial benefits
- Payroll and time-off reports
- Custom admin permissions
- Integrations for accounting, time tracking, expense management, and more
Xero Payroll Early Features
- Send quotes and 20 invoicesâ€
- Enter 5 bills
- Reconcile bank transactions
- Capture bills and receipts with Hubdoc
- Short-term cash flow and business snapshot
- Payroll with Gusto (Optional)
Gusto Premium Features
- Dedicated Customer Success Manager
- HR Resource Center
- Compliance alerts
- Access to certified HR experts
- Full-service payroll migration and account setup
- Health insurance broker integration
- R&D tax credit discount
- Waived fees and exclusive pricing
- Priority support
- Time Kiosk
Xero Payroll Established Features
- Send invoices and quotes
- Enter bills
- Reconcile bank transactions
- Capture bills and receipts with Hubdoc
- Short-term cash flow and business snapshot
- Bulk reconcile transactions
- Use multiple currencies
- Track projects
- Claim expenses
- Analytics Plus
- Payroll with Gusto (Optional)
Gusto vs Xero Payroll Pro & Cons
| Gusto | Xero Payroll | |
| Pros |
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