ADP vs Gusto: Pricing Comparison 2026
Side-by-side pricing comparison of ADP and Gusto. See all plans, features, and costs at a glance.
Bottom line: ADP starts at Custom pricing and Gusto starts at $2.5/mo. Compare all 23 pricing tiers side by side.
Last updated: July 2, 2026
Gusto - Gusto for SMBs wanting transparent pricing and a modern HR experience; ADP for enterprises with complex payroll requirements.
ADP vs Gusto: Quick Pricing Facts
| Feature | ADP | Gusto |
|---|---|---|
| Starting Price | Custom pricing | $2.5/mo |
| Number of Plans | 3 | 20 |
| Free Tier | No | No |
| Pricing Model | per-seat | per-seat |
| Annual Discount | N/A | N/A |
ADP and Gusto are both priced at Custom pricing, making them equally accessible HR & People tools. Together they offer 23 pricing plans with 10 features compared, so the best choice comes down to which features match your needs.
Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your HR & People needs.
| Pricing Plans |  ADP Try free |  Gusto Try freeAffiliate |
|---|---|---|
| Tier 1 | Global contractor payments $5/monthCheapest | |
| Tier 2 | ADP Workforce NowPopular Custom pricing Includes
| State tax registration Custom pricing |
| Tier 3 | ADP Vantage HCM Custom pricing Includes
| R&D tax credits $15/monthCheapest |
| Tier 4 | - | Next-Day pay $15/monthCheapest |
| Tier 5 | - | Instant pay $100/monthCheapest |
| Tier 6 | - | Same-day pay $90/monthCheapest |
| Tier 7 | - | Time & Attendance Plus $6/monthCheapest |
| Tier 8 | - | Priority Support $30/monthCheapest |
| Tier 9 | - | HR Resources $50/monthCheapest |
| Tier 10 | - | Performance $3/monthCheapest |
| Tier 11 | - | Health insurance Custom pricing |
| Tier 12 | - | Health insurance broker integration $6/monthCheapest |
| Tier 13 | - | Workers' compensation $14/monthCheapest |
| Tier 14 | - | Life and disability Custom pricing |
| Tier 15 | - | Gusto Money Plus $19/monthCheapest |
| Tier 16 | - | Health savings accounts (HSAs) $3/monthCheapest |
| Tier 17 | - | Flexible spending accounts (FSAs) $4/monthCheapest |
| Tier 18 | - | Dependent care FSAs $4/monthCheapest |
| Tier 19 | - | Commuter benefits $4/monthCheapest |
| Tier 20 | - | 401(k) $401/monthCheapest |
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Gusto
Gusto for SMBs wanting transparent pricing and a modern HR experience; ADP for enterprises with complex payroll requirements.
Based on pricing data only. Review the full comparison below for your specific needs.
Try Gusto freeFrom $2.5/moWhich Should You Choose?
Choose ADP if:
- •You need enterprise-level payroll with multi-state complexity, garnishments, and compliance
- •ADP's depth of payroll services and established compliance infrastructure are required
- •A large enterprise with complex HR needs requires ADP's full platform breadth
Choose Gusto if:
- •You're a small to mid-size business looking for a modern payroll and HR experience
- •Gusto's clean UI, straightforward pricing, and employee self-service portal matter
- •Gusto's $40/month base plus $6/person is transparent and budget-friendly for a small team
ADP and Gusto both handle payroll, benefits, and HR for US businesses, but they serve different market segments. Gusto targets small to mid-size businesses with transparent pricing, a modern interface, and a self-service employee portal. ADP serves a wider range from SMBs to enterprise, with deeper compliance capabilities and more complex payroll features. Gusto starts at $40/month plus $6/person. ADP pricing is custom and generally higher. For most SMBs under 200 employees, Gusto is the more practical, user-friendly, and cost-effective choice.
Frequently Asked Questions: ADP vs Gusto
How many pricing plans does ADP have vs Gusto?
What is the most popular ADP plan?
Does ADP or Gusto offer custom enterprise pricing?
How do ADP and Gusto compare for HR & People?
Sources
- ADP Official Pricing- Vendor pricing page
- Gusto Official Pricing- Vendor pricing page
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