Gusto vs Rippling Payroll Pricing 2026 Compared

Gusto and Rippling both run US payroll, but they sell it differently. Gusto is a payroll-first product with public tiers; Rippling is a modular platform where payroll is one add-on among many, priced by quote. This article puts the verified Gusto figures next to Rippling's published model, explains the two philosophies, and works a ten-employee example.

1. Headline payroll prices

Prices read from each vendor's pricing page on October 18, 2026.

Plan / model	Base / mo	Per employee / mo
Gusto Simple	$49[1]	$6[1]
Gusto Plus	$80[1]	$12[1]
Gusto Premium	$180[1]	$22[1]
Gusto Solo (for solopreneurs, S corp)	$49[1]	$6[1]
Rippling payroll	Mandatory platform base (quote)[2]	Quote-only[2]

Gusto's full range is public and starts low: Simple is $49 base plus $6 per employee per month, enough for a small team running standard payroll^[1]. Rippling lists no payroll figure; its payroll is an add-on on top of the required platform, priced by quote^[2]. So you can budget Gusto today from public data, but Rippling payroll requires a sales conversation.

2. Two different pricing philosophies

The split is structural, not just numeric:

• Gusto is payroll-first with transparent tiers. You pick Simple, Plus, or Premium, pay a flat base plus a per-employee fee, and get unlimited payroll runs^[1]. HR depth scales with the tier you choose.
• Rippling is a platform-first system. Payroll is one module bolted onto a mandatory core platform; it states most products are per employee per month, with some adding a base fee^[2]. Your all-in rate depends on which modules (payroll, benefits, IT, devices) you bundle, and it is quoted, not listed.

The consequence: Gusto's value is highest when payroll is the job to be done. Rippling's value compounds when you want one system running payroll, IT provisioning, app access, and benefits together. A payroll-only buyer on Rippling pays for platform breadth they will not use, while a buyer consolidating five tools onto Rippling can come out ahead.

3. Worked cost example: 10 employees

Ten employees on Gusto's published plans, payroll software cost only (this is the subscription, not salaries or taxes):

Gusto plan	Monthly	Annual
Simple ($49 + $6×10)	$109[1]	$1,308
Plus ($80 + $12×10)	$200[1]	$2,400
Premium ($180 + $22×10)	$400[1]	$4,800

The arithmetic on the verifiable side: Gusto Simple for ten employees is $49 + ($6 × 10) = $109 per month, or $1,308 per year, for compliant payroll with unlimited runs. Rippling's equivalent cannot be filled in from public data, which is the core planning difference. The payroll subscription is a small line next to salaries and employer taxes; to model the loaded cost of the team itself, use the team salary budget calculator and the employee cost calculator.

4. Contractor-only and global

If you only pay contractors, Gusto no longer sells a separate contractor-only plan. US contractors are billed at the per-person rate of whichever plan you choose ($6 on Simple, over its $49 base), and only in months you actually pay them^[1]. For contractors abroad, Gusto charges no monthly per-contractor fee, only a small service and foreign-exchange fee per payment. Rippling handles contractors within its modular platform under the same quote-only model^[2]. For employing (not contracting) people overseas, neither domestic payroll product applies; that is Employer of Record territory, covered in the best EOR services roundup.

5. Decision guidance

• Small team, payroll only, want a firm number: Gusto Simple at $49 base + $6/employee/mo, public and predictable.
• Need deeper HR with payroll: Gusto Plus or Premium, still published, scaling HR features with price.
• Consolidating payroll + IT + benefits + devices: request a Rippling quote; the bundled platform can win on total tooling cost.
• Contractors only: Gusto Simple at $49 base + $6 per US contractor in months you pay them; global contractor payments carry no monthly fee.

Re-verify pricing before signing; Gusto raised its base fee in 2026 and Rippling pricing is negotiated per deal. For adjacent decisions, see the contractor vs employee guide and Deel vs Rippling EOR pricing.

All pricing figures checked against the official pricing pages on 2026-10-18.

Frequently asked questions

How much does Gusto payroll cost in 2026?

Gusto publishes three main plans. Simple is $49 per month base plus $6 per employee per month; Plus is $80 base plus $12 per employee; Premium is $180 base plus $22 per employee, all checked on Gusto's pricing page on October 18, 2026. Gusto no longer lists a contractor-only plan: US contractors are billed at your plan's per-person rate, only in months you pay them. All plans include unlimited monthly payroll runs, so per-run costs do not stack up.

Does Rippling publish payroll pricing?

No fixed payroll rate is published. Rippling states most products are billed per employee per month, with some adding a monthly base fee, and routes buyers to a custom quote rather than a price table. Its payroll is an add-on module on top of the required Rippling Platform, and the all-in per-employee cost depends on which modules you bundle. Third-party reports commonly cite a platform fee around $8 per employee per month plus a monthly base, with payroll added on top, but because pricing is quote-only you cannot confirm your rate without contacting sales. Treat any specific Rippling figure online as reported, not published.

Is Gusto or Rippling cheaper for a small team?

For a small team that only needs payroll, Gusto is usually the cheaper and more predictable choice because its rates are published and start at $49 base plus $6 per employee per month on Simple. Rippling tends to make more sense once you also want HR, IT provisioning, and benefits in one consolidated platform, where the bundled per-employee modules can be competitive. But Rippling's payroll is quote-only and sits on a mandatory platform layer, so a payroll-only buyer often pays for capability they will not use. If payroll is all you need, start with Gusto's published Simple plan.