Head to head

Gusto vs Keka

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

Keka

Sales-quoted Free trial

Cloud HRMS bundling core HR, payroll, attendance, performance, and recruiting. US commercial terms are quoted. A free trial is the public entry.

Where Keka fits

  • Growing SMBs that want HR, payroll, attendance, and recruiting in one login
  • India-origin companies expanding to US payroll on the same PeopleOS
  • Teams that want a free trial before a Foundation vs Strength vs Growth quote
  • Buyers comparing a mid-market HRMS against BambooHR or Zoho People

At a glance

DetailGustoKeka
Starting price$49/moSales-quoted
Free tier–No–No
Free trialNot on recordYes
MCP server✓Yes–No
Public API✓Yes–No
Listed underBenefits administration, HR compliance, HRIS, Onboarding, Payroll, Time & attendanceATS, HRIS, Payroll, Performance
Capterra4.6 from 4,225 reviews4.4 from 91 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

Keka

Stands out: Keka sells Foundation, Strength, and Growth HR/payroll bands plus Hire Pro recruiting, with a US site at keka.com/us and native multi-state payroll.

Watch out: Keka publishes no US dollar amounts. Do not budget from India rupee cards if you are buying US payroll.

Not the right fit for

  • US buyers who need a printed per-employee USD rate before a sales call
  • Enterprises standardizing on Workday or UKG as the system of record

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

Keka

  • HR, payroll, attendance, performance, and recruiting in one suite
  • US site with multi-state payroll and a free trial path
  • Foundation / Strength / Growth bands so you are not forced into a mega-suite on day one
  • No published US list prices
  • Recruiting (Hire Pro) is a separate add-on conversation
  • API access is not on the entry band

What each one costs

Gusto

$49/mo

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

Checked 7 Sep 2026

Keka

Sales-quoted

US plans (Foundation, Strength, Growth, and Hire Pro) are quoted. A free trial is available. The US pricing page is the commercial path for US payroll buyers. India rupee cards on other regional pages are a different rate card and are not the US list. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Can you try Gusto or Keka for free?
Neither carries a free tier on our listing. Keka offers a free trial.
Does Gusto or Keka 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?