Quick Answer
Last verified:

Gusto Benefits pricing varies by team size and features, ranging from $0 to $180 per base fee + per employee/month in 2026. Your actual cost depends on the tier you choose, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available
  • Billing: Monthly and annual (save 15-20%)
  • Hidden costs: Add ~35% for implementation, support, and training
Last verified: February 2026 | Sources: 1 pricing pages and reviews
+40-60% above list price

Hidden Costs Breakdown

1

$6 PEPM to integrate health insurance provider plans

2

$2.50/participant/month for HSA administration

3

$4/participant/month for FSA (minimum $20/month)

4

$4/participant/month for Dependent Care FSA (minimum $20/month)

5

$4/participant/month for commuter benefits (minimum $20/month)

6

$35/month base fee for Contractor Only plan + $6/contractor

7

$599/month for Global EOR services (promotional rate through 2026)

Example: True Cost for 25 Users

License (25 × $80 × 12) $24,000/yr
Implementation (one-time) +$15,000–$50,000
Premium Support (20%) +$4,800/yr
Training (25 × $500) +$12,500
Admin (part-time) +$15,000–$25,000/yr
Year 1 Total $61,000–$98,400
That's 1.8–2.5× the advertised license price.

Frequently Asked Questions

01 What hidden costs should I budget for with Gusto Benefits?

Beyond the license fee, budget for implementation ($5K-$100K+), training ($500-$2K per user), premium support (15-20% of license), and admin costs. Most companies see 40-60% higher total cost than the listed price.

02 Does Gusto Benefits charge for implementation?

Gusto Benefits doesn't include implementation in the license cost. Implementation is typically done by partners and costs range from $5,000 for basic setup to $100,000+ for enterprise deployments with customization.

03 How much does Gusto Benefits support cost?

Basic support is included, but premium support (faster response times, 24/7 availability) typically adds 15-20% to your annual contract. This can be thousands of dollars per year for larger deployments.

04 Are there storage costs with Gusto Benefits?

Most Gusto Benefits plans include limited storage. Once you exceed the included amount, you'll pay overage fees which can range from $50-$500+ per month depending on data volume.

05 What add-ons cost extra with Gusto Benefits?

Many features marketed as part of Gusto Benefits are actually add-ons: advanced reporting, API access, integrations, and specialized modules. Each can add $10-$100+ per user per month.

Get a complete Gusto Benefits cost breakdown

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