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 like that I can see my paycheck ahead of time, but I have to track my hours every day and it’s the same for me each day. I want to be able to save the hours I track as a prefixed entry and/or duplicate past entries. I also want to be able to type in the start/end times instead of having to using the scroll feature. These 2 changes would make it much more pleasant to track my hours. Thanks.
So far so good
LeighB2911
I have this through my employer and didnt even know it, didn’t know it did cash advances. Now I can ditch these other ones that just take your money and membership fees and screw you over. I got denied a credit card cause I had too many cash advances out and I did have too many cause I got in a situation where I needed them and once your stuck in the cycle it’s hard to break!!! Set up was easy, and one of the perks of this payroll company! I can’t believe I didn’t know about this sooner!
Developer Response
Hi there! We’re so glad to hear this, and really appreciate you sharing your experience! It’s great to know Gusto’s cash advance feature helped break that cycle and made things a little easier for you. Thanks for being part of the Gusto community. We’re happy you discovered this perk!
Time tracker
LessTrouble
The mobile time tracker includes break time in the total time while it is counting. The website does not do this. On the website, the time tracker shows only the time that counts toward your paycheck. On mobile, it combines work time and break time into one long period, and only separates them when you clock out. At that point, it adds only the paid time to the final total.
Developer Response
Hi! Thanks for sharing this. We understand how the difference between mobile and web time tracking can be confusing. On mobile, breaks are separated after you clock out and only paid time is counted toward your total. If you need help or want us to take a closer look, please reach out through the Help tab in your account.
Not reliable enough, not fast enough
Contreramanjaro
Multiple times now the app has refused to load in the middle of the day requiring me to submit a correction. That’s just not quite good enough when I’m wasting time trying to track time. No one is reimbursing me or my boss for the lost time, so please work on reliability. If we can go three months without an issue like this, I’ll revise the score. I’m on an iPhone 17 Pro with a 100meg fiber connection and 5G+ as a back up, don’t blame this on me.
Developer Response
Thank you for sharing your experience. We’re sorry to hear about the app performance issues and understand the impact this can have on your time. Please connect with our support team through the Help tab in your Gusto account so we can look into this further.
Bug fixes and improvements.
Version 3.62.0
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
