Gusto Payroll Services Review for 2025

When I explored Gusto’s features, I found several tools that enhance payroll and HR management:

• 401k Tracking
• FMLA Tracking
• Generation of pay stubs and reports
• Multi-Country
• Earnings Statements
• Multi-State
• API / Integration Capabilities
• Mobile App For Employees

Payroll Features
When I tested Gusto’s payroll tools, I found the automation incredibly efficient. Payroll runs automatically, tax filings and payments are handled seamlessly, and employees can access their pay stubs and W-2s through a self-service portal. This simplifies payroll management and reduces manual work, making it a reliable online payment processing service for businesses.

FMLA Tracking
Gusto offers tools to monitor employee leave under the Family and Medical Leave Act (FMLA). This feature helps businesses manage leave balances and maintain compliance with federal regulations.

401(k) Tracking
Gusto integrates with various 401(k) providers, allowing automatic deductions and contributions to employee retirement plans. This seamless integration ensures accurate record-keeping and compliance with retirement savings regulations.

Generation of Pay Stubs and Reports
I found that Gusto automatically generates detailed pay stubs and comprehensive payroll reports. Employees can access their pay information through the self-service portal, reducing administrative tasks for employers.

Multi-State Payroll
Gusto supports payroll processing across multiple states, automatically calculating and filing the necessary state taxes. This is particularly beneficial for businesses with employees in different locations, ensuring compliance with varying state regulations.

Earnings Statements
When I reviewed Gusto’s earnings statements, I found them well-organized and detailed. Employees can easily access digital pay stubs through the self-service portal, which breaks down wages, deductions, and taxes. Employers benefit from automated electronic check processing and clear documentation, ensuring accuracy in online payment processing services while reducing payroll-related inquiries.

API / Integration Capabilities
Gusto offers robust API and integration capabilities, allowing seamless connection with various accounting, time-tracking, and HR software. This integration streamlines data flow and reduces manual entry, enhancing overall efficiency.

Time Tracking
I tested Gusto’s time tracking tools, and they integrate smoothly with payroll. Employees can clock in and out using the mobile app, while overtime calculations are automated. This eliminates manual entry errors and ensures compliance with labor laws. Businesses benefit from real-time tracking that syncs with payroll, making workforce management more efficient.

Mobile App & Cash Account
When I used Gusto’s mobile app, I found it convenient for employees to track time, view paychecks, and manage tax documents on the go. The added Cash Account with a Visa Debit Card allows employees to receive direct deposits instantly, making it a great online payment solution for businesses looking to enhance employee financial flexibility.

Automations include automatic payroll calculation, direct deposit, and new hire reporting to state & federal agencies:

• Calculate and pay employee salaries
• Compliance with state and federal tax laws
• Direct Deposit for Employee Paychecks
• Tracking of employee hours and overtime
• Update real-time employee information

Calculate and Pay Employee Salaries
Gusto automates payroll calculations, accounting for various pay structures, including hourly and salaried employees. This ensures accurate and timely payments, reducing manual errors and administrative workload.

Compliance with State and Federal Tax Laws
Gusto automatically calculates, files, and pays all federal, state, and local payroll taxes, ensuring compliance with the latest regulations. This minimizes the risk of penalties and keeps businesses aligned with tax laws.

Direct Deposit for Employee Paychecks
Gusto offers direct deposit, allowing employees to receive their paychecks directly into their bank accounts. This feature enhances convenience for employees and streamlines the payroll process for employers.

Tracking of Employee Hours and Overtime
Gusto integrates with time-tracking tools, enabling accurate recording of employee hours and overtime. This integration ensures precise payroll calculations and compliance with labor laws regarding overtime pay.

Update Real-Time Employee Information
Gusto provides an employee self-service portal where staff can update their personal information in real-time. This feature ensures that records are current and reduces the administrative burden on HR departments.

These features collectively make Gusto a comprehensive solution for businesses seeking efficient payroll and HR management.

Some of Gusto’s HR features include an employee database to maintain information, benefits administration that integrates with multiple insurance providers, goal tracking, and new employee onboarding that includes background checks.

Gusto Global

This is Gusto’s newest product. Gusto Global, powered by Remote, enables businesses in the U.S. to hire, onboard, pay, and support their teams across the globe – without cutting compliance corners. It’s an employer of record (EOR) solution designed for SMBs who don’t have the time or resources to manage multiple systems and manual processes, navigate legal and regulatory implications, or stand up a local entity to hire international employees. Gusto Global streamlines hiring, onboarding, payment, and management of international and U.S. workers in a single system

Benefits Management
When I explored Gusto’s benefits management, I found it seamlessly integrates health, dental, vision, and 401(k) plans into payroll. The platform simplifies enrollment, deductions, and compliance, ensuring employees get the coverage they need. Businesses benefit from automated contributions and streamlined online payment solutions, making benefits administration hassle-free and efficient.

Features of Gusto Global

• Access to talent in more countries – Businesses get easy access to talent around the world without having to open, pay for, or maintain a local entity in that country.

• Built-in compliance management – Through a partnership with Remote, Gusto can ensure compliance with local laws throughout the entire employment lifecycle, from onboarding to offboarding, reducing businesses’ risk and saving them time and money.

• Industry-leading infrastructure – Businesses get access to the most comprehensive global infrastructure in the industry, plus deep expertise on country-specific laws and norms. With a 100% owned entity model, businesses can trust their teams around the globe will get the localized support and expertise they need to thrive.

• Global payroll – Businesses can easily pay international teams on time, in their local currency, within the same platform they use to pay their US teams.

• Expense Management – Businesses can easily manage expenses for international employees. Employees can submit expenses for admins to review, approve, and report on. Expenses even automatically sync with payroll.

• Time off requests – Businesses can streamline time off request management. Admins can set annual balances for PTO and review time off requests, which automatically sync with payroll.

• Bonuses – Businesses can keep international employees rewarded and motivated with bonuses. Admins can grant commissions, signing bonuses, and recurring reimbursements.

• Integrated reporting – Employers can view international employees in reports or access an in-app view on Gusto of all of their employees.

• Fair pricing and fee transparency – No hidden fees or surprises: businesses will always know how much they’re paying (and when) with our flat, transparent pricing.

• Trusted partners – Businesses can take advantage of in-house HR, legal, tax, and benefits experts around the world, who become an extension of their teams.

Gusto’s tax software automatically generates W-2 and 1099 forms for employees, calculates and withholds federal, state, and local taxes based on employee information and pay rate, and helps employers stay compliant with payroll tax laws and regulations by providing timely reminders and alerts.

Gusto also integrates with almost 200 outside apps and platforms to help run your business. This includes project management tools like Asana, Trello, and more.