Head to head

Gusto vs Justworks

Same facts, side by side: starting price, free tier, MCP, API and what each one is actually built for.

Gusto

$49/mo

US small-business payroll, benefits and onboarding in one stack, from around $49/mo plus a per-seat charge.

Where Gusto fits

  • US small companies running payroll in-house
  • HR teams that want benefits next to pay
  • Desks that want MCP on payroll data
  • A first HRIS after spreadsheets

Justworks

$8/employee/mo

US payroll from $8 per employee per month plus a $50 monthly base fee. PEO Basic is $79 per employee. PEO Plus is $124.

Where Justworks fits

  • US startups that want a printed payroll rate
  • Teams ready for PEO benefits at $79 or $124
  • Employers that also need time tracking access
  • Companies hiring abroad through the $599 EOR line

At a glance

DetailGustoJustworks
Starting price$49/mo$8/employee/mo
Free tier–No–No
MCP server✓Yes–No
Public API✓Yes–No
Listed underBenefits administration, HR compliance, HRIS, Onboarding, Payroll, Time & attendanceBenefits administration, HR compliance, Payroll
Capterra4.6 from 4,225 reviewsNot enough reviews

Where they pull apart

Gusto

Stands out: Payroll sitting next to HR for US small companies, with a first-party MCP.

Watch out: It is US-only, so it is not a route to hiring people in other countries.

Not the right fit for

  • Global employer-of-record buyers
  • Enterprise HRIS selection processes

Justworks

Stands out: A cheap payroll SKU plus two PEO tiers, so you can stay payroll-only or move into benefits later.

Watch out: Payroll-only adds a $50 monthly base fee. PEO Plus is the benefits tier at $124 per employee. EOR is $599 per employee.

Not the right fit for

  • Very small shops that refuse a $50 base fee
  • Enterprises that need a full HCM suite

Pros and cons

Gusto

  • Payroll, benefits and onboarding in one US stack
  • MCP and API available
  • Fits small-business HR and finance buyers
  • US-only
  • Per-seat charges on top of the base
  • Not built for hiring pipelines

Justworks

  • Payroll from $8/employee plus $50 base
  • Printed PEO rates at $79 and $124
  • EOR line at $599/employee
  • $50 monthly base on payroll-only
  • Benefits need PEO Plus at $124
  • No published free trial

What each one costs

Gusto

$49/mo

From ~$49/mo +/seat. Confirm current terms on the vendor site.

Checked 7 Sep 2026

Justworks

$8/employee/mo

Payroll is $8/employee/month plus a $50/month base fee. PEO Basic is $79/employee/month with no base fee. PEO Plus is $124/employee/month. Global EOR is $599/employee/month. No free trial stated. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Is Gusto cheaper than Justworks?
Justworks starts lower, at $8/employee/mo against $49/mo for Gusto. That is the entry plan on each side, so the real number depends on seats and the tier you land on.
Can you try Gusto or Justworks for free?
Neither carries a free tier on our listing.
Does Gusto or Justworks have an MCP server?
Gusto ships a first party MCP server, so an AI assistant can work the product directly.

Not the pair you wanted?

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Editorial listings, never paid rankings. Prices checked 7 Sep 2026. Confirm current terms on the vendor site. Spot an error?