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Gusto vs Justworks: payroll software or a PEO?

By The PayrollPicked Editorial Team · Updated October 2026 · We may earn a commission

GustoVSJustworks
Research-based reviews Updated October 2026 Editorially independent Reader-supported · disclosure

Gusto

Best for: Small teams wanting simple payroll
9.3/10

Pros

  • Automatic tax filings
  • Fast self-serve setup
  • Published pricing

Cons

  • Limited IT/device tools
Visit Gusto

Justworks

Best for: Teams competing on benefits
8.7/10

Pros

  • Pooled large-group benefits

Cons

  • Co-employment model
Visit Justworks
GustoJustworks
ModelPayroll and HR softwarePEO plus a payroll-only plan
Health benefitsBroker integrations and administrationAccess to pooled PEO plans
Best forCost-conscious small teamsTeams competing to hire on benefits

Plans and prices change. Check current pricing on the official page: gusto.com/product/pricing

Plans and prices change. Check current pricing on the official page: www.justworks.com/pricing

If benefits are how you win hires, get a quote from a PEO. If you just need payroll done right, Gusto usually costs less.

Try Gusto →

See Justworks →

How this page was made: from each provider's official product and pricing pages and its public documentation. We haven't run a formal hands-on test for this page. When we add hands-on notes, we'll label them.

How we score

Our scores are editorial scores out of 10. They're our judgment, weighted across the criteria below, based on each provider's official product pages, pricing and documentation, plus public feedback. They aren't user ratings or lab test results, and commissions don't change them.

  1. Payroll and tax filing coverage
  2. Pricing transparency
  3. HR/benefits breadth
  4. Setup and ease of use
  5. Scalability
Gusto 9.3/10
Visit Gusto