Gusto vs Paylocity Pricing (2026)

Gusto vs Paylocity

HR/HRIS pricing comparison · 2026

Gusto pricing ranges from $35–$180/month, while Paylocity ranges from $20–$40/user/month. Paylocity is typically 63% more affordable, though your actual cost depends on tier and team size.

HR/HRIS

Gusto

$35–$180
/month
4 plans
Full pricing breakdown →
VS
HR/HRIS

Paylocity

$20–$40
/user/month
3 plans
Full pricing breakdown →

Gusto and Paylocity both operate in the hr/hris category. This page compares their list pricing.

Plan-by-Plan Pricing

Plan Gusto Paylocity
Simple $49 /month $20 /user/month
Plus $80 /month $30 /user/month
Premium $180 /month $40 /user/month
Contractor Only $35 /month

Cost at Scale

Total cost of ownership — licenses, implementation, and hidden costs included.

Gusto

5 scenarios
$65/month ($35 base + $30 for 5 contractors at $6/each)
Contractor-Only Setup (5 contractors)
$80/month
Growing Business
+ $12/employee
$180/month
Enterprise Setup
+ $22/employee
See all 5 scenarios →

Paylocity

6 scenarios
$20/month
Starter Setup
$30/month
Growing Business
Custom pricing — typically negotiated annually, contact sales for quote
Enterprise (100+ users)
See all 6 scenarios →

Market Intelligence

Gusto

Median annual cost
$1,368
Based on
62 deals

Paylocity

Median annual cost
$42,240
0
Based on
13 deals

What Users Say

Gusto

Trustpilot
3.2/5 (25)
Top complaints
  • Customer service difficult to reach, mostly automated bots
  • Platform expensive for small businesses
  • Hard to make changes after initial setup

Paylocity

Trustpilot
1.2/5 (25)
Top complaints
  • Extremely long customer service hold times (1.5+ hours)
  • Unresponsive support - no callbacks or email responses
  • FSA card repeatedly declines legitimate medical expenses

Hidden Costs

Beyond the sticker price — what catches buyers off guard.

Gusto 8 hidden costs

medium
Add-on service costs 10-20% of license costs
medium
Per-Employee Costs Scale Quickly $6-$12/user/month
low
Additional Software Needed for Full Functionality $20-$50/month
low
Complex Contractor Payroll Processing 2-5 hours/month
medium
Limited Customer Service Access $0/user/month
See all Gusto hidden costs →

Paylocity 6 hidden costs

medium
Annual Price Increases 5-10% of license costs
medium
BaseHR Package Requirement $1,000-$3,000
medium
Implementation Support Time $5,000-$15,000
high
Customer Service Delays 10-20% additional labor time
medium
FSA Administration Issues 5-10 hours/month administrative time
See all Paylocity hidden costs →

Contract Terms

Term Gusto Paylocity
Auto-renewal No
Cancellation No official renewal required
Minimum commitment Typically 1 year
Price escalation Standard annual increase around May, amount varies. Can be avoided with multi-year lock-in.
Can downgrade Yes