Gusto simplifies payroll, paycheck management, time tracking, and savings for small businesses—making it easier to manage tasks on the go with powerful tools for both employees and employers.
For business owners and payroll administrators:
Payroll: Easily run regular or off-cycle payroll on the go.
Time: Review and approve your team's hours and time off.
Team: View and manage critical team information in one place.
Onboarding: Add and onboard employees directly from the app.
Notifications: Set up notifications and permissions to suit your business.
For employees:
Paychecks: Easily manage paychecks and route money to different bank accounts.
Early Pay: Receive paychecks up to 2 days early¹ and access advances between paydays with Gusto Wallet.²
Benefits: Manage your benefits or sign up for special offers.
Documents: Access and sign important documents.
Time: Track your hours and request time off.
¹ With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.
² On-Demand Pay provided by Clair. Clair is a financial services company, not a bank. All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Advance amounts may vary. Terms and conditions apply.
The Gusto Savings goals and Gusto Spending account are issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC.
FDIC insurance is provided by nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Gusto Spending accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Gusto is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Gusto Spending accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.
I work for a small nonprofit that until this year was still processing payroll with a company that would send physical payroll journals via courier every two weeks like it was 1985 (the printer paper was even watermarked and everything!). There was no online user interface to speak of and time was “entered” by sending an email to someone at the company to input on our behalf. In this day and age of data breaches and information security, this system horrified me. So I started investigating alternatives and I found Gusto. To say it’s been a step up would be an understatement. Pros:- You can set up different administrative levels so that supervisors can submit payroll for approval by department heads. - Gusto automatically emails employees to update their W-4s and other information regularly. - All Admins get security notices when payment information is changed, which makes sure that someone’s eyes are on it to make sure it’s a legitimate update instead of a hacked account. - You can easily download digital copies of your payroll reports, earning reports for worker’s comp insurance, tax filings, and more. - You can save custom reports as templates so you don’t have to rebuild it every time you need to use it. - It’s easy to integrate with our retirement savings platform. - and probably more!Cons:- Customer service can be very slow to resolve issues. - I’m constantly getting emails, phone calls, and pop up ads on the website trying to upsell me on additional services. If there’s a way to opt out of solicitations, I’d like to know it.
Developer Response
Thank you so much for this detailed review.
You have no right to be forgotten with GUSTO
old_grouse_herder
I had to use this app for a brief 3 week temp job as required by the employer. After my job was completed I reached out to GUSTO to delete account. GUSTO conflated keeping tax documents as required by law with my request to delete the account. I then asked GUSTO to provide me the information in the user agreement where they state that once you use their service you may never opt out (including unsubscribing from emails). GUSTO didn't have this information available as it isnt part of the user agreement. So basically your personal tax info etc is open to hacking indefinitely is someone knows your email and can figure out your password. I now have to compel them to fulfill my request possibly by legal means. I would have never had used the app had I known this. Additionally their "customer service" is not located in the US so if anything goes wrong with your paycheck good luck rectifying that. I have sent 7 emails and got nothing but canned gibberish responses which only makes me more concerned about my personal banking and tax info. User beware with this "service" as it is not worth the trouble or risk of identity theft.
Developer Response
Thank you for your feedback here and we’re sorry to hear about your experience - We want to make sure you end up with the right team for this issue. Our policy on customer data is in our Privacy Policy, which aligns with industry standards, but if you have any questions/want to exercise these rights, please reach out to us at privacy@gusto.com and we’ll work with you on this.
User type: employee - wish it had more things
azlizzie
Loading is a little sluggish. Sometimes it fails to clock me in or out which is annoying. Would be nice if edit clock ins screen had radio buttons for common selections so I don't have to type "forgot to clock in" or " app glitched" every time. (Forgive the personal deficiencies, this does happen a lot.) When I need to submit receipts, I can't do it from my phone cause the browser redirects to the app without asking. Most of the time my docs are on my phone, making for multiple extra steps and delays until I get to my computer at work. Inconvenient that the app does not have a document upload option or the web doesn't let you choose to continue in the browser. Otherwise it's fine. It's nothing special and nothing horribly awful. Perhaps a time clock widget could be developed for the Home Screen? Not sure if widgets allow a feature that would still need Face ID to work.
Developer Response
Hello, we appreciate your feedback here. We would like to take a deeper look into your concerns to provide a solution. Please reach out to Support@gusto.com. We look forward to hearing from you.
Helpful when the website is broken
MrOBrian
The only reason I got this app is because tax document downloads on the website are broken, and I can’t wait the several business days they say it’ll take just to respond to my support request. Luckily, viewing and downloading of the documents works in this app, but it looks really bad on iPad. Definitely not meant to run on anything but a phone. Also, the login didn’t bring up the normal interface for using a saved password, so with the app open on my iPad and my password open on my iPhone, I had to type out one of those crazy passwords that gets generated when you tell iOS/Safari to generate a strong password. Not sure why the login form wasn’t recognized as something that could be filled in.This app saved the day when the website was broken, but I doubt I’d use it on a regular basis.
Developer Response
Hi there, thank you for sharing this feedback! We're glad Wallet mobile was helpful but are always looking for ways to improve, so our team will be considering this as we continue to build it out. Please reach out to us if you need anything in the meantime.
Bug fixes and improvements.
Version 3.59.0
The developer, Gusto, inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
