Gusto vs OnPay
This comparison is for 10 employees, no contractors, and one state. It counts only plans that file payroll taxes. They tie at $109 a month on their cheapest matching plans.
Gusto
Three published payroll plans. Simple is one state. Plus and Premium add multi-state payroll and faster pay. Contractors are billed at the plan's per-person rate only in months they are paid.
$109
Simple · $1,308 / year at list price
- Simple · $49 + $6/employee
- Plus · $80 + $12/employee
- Premium · $180 + $22/employee
OnPay
Payroll Essentials is $49 a month plus $6 per worker, with tax filing in every state included. HR, time tracking, and bundles are priced on the same page.
$109
Payroll Essentials · $1,308 / year at list price
- Payroll Essentials · $49 + $6/employee
- Payroll + Time Tracking + HR · $70 + $10/employee
- Payroll + HR + Compliance + Live HR · $120 + $7/employee
- Payroll + Time + HR + Compliance + Live HR · $130 + $10/employee
Gusto pricing 2026OnPay pricing 2026Recalculate for a different headcount
Questions
- Which is cheaper for 10 employees, Gusto or OnPay?
- They tie at $109 a month for 10 employees on their cheapest tax-filing plans.
- What do these totals include?
- The totals are list prices for 10 employees, no contractors, and one state, on plans that file payroll taxes. Introductory discounts are not applied.
Prices verified Nov 10, 2026 from vendor sites. Written by PayrollPriceWatch.
We may earn a commission if you sign up through a link on this site. That does not change the prices we show. Prices are checked weekly from each vendor's site.