Free tool
Payroll software cost calculator
Enter your headcount to compare what Gusto and OnPay would cost per month and per year at October 2026 list prices.
Based on Gusto pricing · OnPay pricing
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How the math works
Monthly cost = base fee + per-person fee × people. List prices used (October 2026): Gusto Simple $49 + $6/person (single state only), Gusto Plus $80 + $12/person, OnPay $49 + $6/worker with multi-state included. Promotions, add-ons (benefits, workers’ comp, state registrations) and taxes are not included; check each official pricing page.
Frequently asked questions
Does this include payroll taxes?
No. It estimates software fees only, not the taxes you owe as an employer.
Why is Gusto Simple excluded for multi-state?
Gusto’s Simple plan supports one state; multi-state requires Plus or higher.
Do contractor-only plans cost less?
Some providers offer contractor-only pricing; check the official pages.
What sources did we use?
- Gusto pricing (accessed October 23, 2026)
- OnPay pricing (accessed October 23, 2026)