
Gusto
Top Pick4.5/5From $40/mo + $6/emp
Best for: 5-200 employees
Strengths
- Simplest payroll UX: 4 clicks, 2 minutes
- Auto-pilot runs on schedule with zero manual intervention
- Health insurance, 401k, workers comp bundled in
- Fastest setup: 1 day to 1 week
Limitations
- US-only payroll
- Outgrown at about 200 employees





