US PRODUCT RESEARCH

Gusto

US payroll with connected benefits and HR tools; plan selection matters for multistate teams and time management.

Checked Oct 15, 2026 · 20 official sources · Desk research

HR software Payroll software Benefits administration Time & attendance

A GOOD FIT WHEN

Small US employers that want payroll and benefits in one operational workflow.

Unlimited payroll runs
Connected benefit deductions
Employee mobile self-service

LOOK MORE CLOSELY WHEN

You want to buy benefits administration without a Gusto payroll account.

Simple targets one-state payroll
Time and support scope vary by plan
Insurance eligibility varies by state and carrier

CATEGORY-SPECIFIC EVIDENCE

Capabilities, controls and depth.

Scores combine core capabilities and workflow depth. Full support earns full points; limited support earns half. Unverified features create a range, and paid-plan requirements are shown in the evidence. How scoring works →

HR software · 28 features

30–100/100 documented fit

Core capabilities16.8–32 / 32 pts5/10 checks with established status

Workflow depth12.8–68 / 68 pts3/18 checks with established status

Show checksShowing fewer rows does not change the score.

HR software · 28 weighted capability checks
Feature / weight	Support, evidence & points
Core capabilityCentral employee profileStore employee details in a shared HR record. 4 points maximum	Supported4 / 4 pts Employee details and self-service are documented. Official documentation · Oct 15, 2026Source
Core capabilityEmployee document storageKeep employment documents linked to a worker record. 4 points maximum	Not verified0–4 / 4 pts The reviewed documentation does not establish employee document storage at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkEffective-dated employee changesSchedule or apply a job, pay or employment change with an explicit effective date. 5.6 points maximum Ask for a demonstration Show a promotion next month and how it differs from the current employee record. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Compensation changes include an effective date; payroll-time edits update the employee profile. Official documentation · Oct 15, 2026Source
Depth checkEmployee change historyInspect historical values or a dated change log for an employee record. 6.4 points maximum Ask for a demonstration Change a fictional employee field, then show its previous value, date and editor. A scenario to run with the supplier; not a completed product test.	Not verified0–6.4 / 6.4 pts The reviewed evidence does not establish this advanced behavior: employee change history. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityNew-hire onboardingCollect new-hire information through an onboarding process. 4 points maximum	Supported4 / 4 pts The employer app supports company and employee onboarding. Official documentation · Oct 15, 2026Source
Core capabilityAssigned onboarding tasksAssign and track the tasks needed to bring a new hire onboard. 4 points maximum	Not verified0–4 / 4 pts The reviewed documentation does not establish assigned onboarding tasks at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkRole-based onboarding assignmentSelect or assign onboarding tasks according to a worker group, role or location. 5.6 points maximum Ask for a demonstration Onboard two different roles and show which tasks each receives and who owns them. A scenario to run with the supplier; not a completed product test.	Not verified0–5.6 / 5.6 pts The reviewed evidence does not establish this advanced behavior: role-based onboarding assignment. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkOffboarding tasks and follow-throughCoordinate employee departure tasks, with completion tracking or connected access removal. 6.4 points maximum Ask for a demonstration Terminate a test employee and show the resulting checklist and remaining incomplete tasks. A scenario to run with the supplier; not a completed product test.	Not verified0–6.4 / 6.4 pts The reviewed evidence does not establish this advanced behavior: offboarding tasks and follow-through. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityPeople reportsProduce reports using employee and workforce records. 3.2 points maximum	Supported3.2 / 3.2 pts Reporting tools are documented in the employer experience. Official documentation · Oct 15, 2026Source
Core capabilityWorkforce dashboardsView workforce measures in a dashboard or analytical view. 3.2 points maximum	Supported3.2 / 3.2 pts The employer experience documents business insights. Official documentation · Oct 15, 2026Source
Depth checkFiltered custom people reportsBuild an employee report with chosen fields and filters beyond a fixed dashboard. 4.8 points maximum Ask for a demonstration Create a report for one department and date range using a custom employee field. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: filtered custom people reports. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkExport underlying HR report dataExport the rows used in a people report for reconciliation outside the product. 4.8 points maximum Ask for a demonstration Export the sample report and reconcile its row count with the on-screen results. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: export underlying hr report data. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityRole-scoped HR accessRestrict personnel information or actions by user role. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish role-scoped hr access at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Core capabilitySSO or multi-factor authenticationUse documented SSO or multi-factor sign-in controls. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish sso or multi-factor authentication at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkSensitive field restrictionsRestrict sensitive pay or personnel fields for a role without removing all HR access. 3.2 points maximum Ask for a demonstration Sign in as a manager who can see their team but cannot see a restricted pay field. A scenario to run with the supplier; not a completed product test.	Supported3.2 / 3.2 pts People-manager roles exclude sensitive information; custom admin permissions grant specific functional access. Official documentation · Oct 15, 2026Source
Depth checkManager team-data boundaryLimit a manager to assigned employees or a defined employee group. 4 points maximum Ask for a demonstration Show what a team manager can view and export for their team versus another team. A scenario to run with the supplier; not a completed product test.	Supported4 / 4 pts People managers can access only direct-report information allowed by their configured permissions. Official documentation · Oct 15, 2026Source
Core capabilityAI answers about HR data or policiesAsk natural-language questions about HR information or policies. 2.4 points maximum	Supported2.4 / 2.4 pts Gus answers HR questions and links to help content. Official documentation · Oct 15, 2026Source
Core capabilityAI report or action preparationGenerate a people-data report, summary or proposed operational action. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish ai report or action preparation at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkAI respects personnel permissionsDocument that AI retrieval or answers respect the requesting user’s HR data permissions. 3.2 points maximum Ask for a demonstration Ask the same pay-related question as an employee, manager and HR administrator. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: ai respects personnel permissions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkHuman review of AI-prepared changesKeep a human confirmation or review step before an AI-prepared HR action changes records. 4 points maximum Ask for a demonstration Ask AI to prepare an employee change, show the proposal and stop before applying it. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts The reviewed evidence does not establish this advanced behavior: human review of ai-prepared changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkIdentify the policy version used by an AI answerDemonstrate “Identify the policy version used by an AI answer” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Identify the policy version used by an AI answer” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkDisplay and export matrix reporting relationshipsDemonstrate “Display and export matrix reporting relationships” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Display and export matrix reporting relationships” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkPropose pay rises within a shared review budgetDemonstrate “Propose pay rises within a shared review budget” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Propose pay rises within a shared review budget” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkPreview employee-import errors before savingDemonstrate “Preview employee-import errors before saving” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Preview employee-import errors before saving” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkCreate an employee record as a mobile managerDemonstrate “Create an employee record as a mobile manager” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Create an employee record as a mobile manager” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkRecord issued equipment and return confirmationDemonstrate “Record issued equipment and return confirmation” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Record issued equipment and return confirmation” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkRestrict access to emergency-contact detailsDemonstrate “Restrict access to emergency-contact details” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Restrict access to emergency-contact details” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkDeactivate linked accounts through SCIMDemonstrate “Deactivate linked accounts through SCIM” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Deactivate linked accounts through SCIM” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

Compare in HR software →

Payroll software · 28 features

73–100/100 documented fit

Core capabilities29.6–32 / 32 pts9/10 checks with established status

Workflow depth43.5–68 / 68 pts10/18 checks with established status

Show checksShowing fewer rows does not change the score.

Payroll software · 28 weighted capability checks
Feature / weight	Support, evidence & points
Core capabilityRegular payroll runsCalculate and process an ordinary US employee payroll. 4 points maximum	Supported4 / 4 pts Unlimited regular pay runs are documented. Official documentation · Oct 15, 2026Source
Core capabilityOff-cycle payrollProcess a bonus or other payroll outside the normal pay calendar. 4 points maximum	Supported4 / 4 pts Unlimited off-cycle payroll is documented. Official documentation · Oct 15, 2026Source
Depth checkPrior-run correction workflowCorrect, void or replace an already submitted payroll using a documented workflow. 5.6 points maximum Ask for a demonstration Correct a fictional prior-period pay error and show which records and payments change. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Submitted payroll can be canceled before debit; processed payroll has reversal/correction routes with timing restrictions. Official documentation · Oct 15, 2026Source
Depth checkPre-submit payroll reviewInspect pay-run totals or a preview of employee calculations before submission. 6.4 points maximum Ask for a demonstration Show gross-to-net totals and resolve one changed deduction before approving the run. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts The final payroll step previews both total and individual employee calculations. Official documentation · Oct 15, 2026Source
Core capabilityFederal payroll filing serviceHave the provider file documented federal employer payroll forms. 4 points maximum	Supported4 / 4 pts Federal payroll filing is listed. Official documentation · Oct 15, 2026Source
Core capabilityState and local filing serviceHave the provider handle documented state or local payroll filings. 4 points maximum	Supported4 / 4 pts State and local payroll filing is listed. Official documentation · Oct 15, 2026Source
Depth checkFiling and tax-document visibilityInspect provider-produced payroll tax forms, reports or filing records. 5.6 points maximum Ask for a demonstration Find a completed quarter’s tax form or filing record and show how it is downloaded. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Filed federal/state forms are accessible in Tax documents; some electronic vouchers remain in agency portals. Official documentation · Oct 15, 2026Source
Depth checkPayroll tax amendment supportDocument a process for amending payroll tax filings or resolving a payroll tax notice. 6.4 points maximum Ask for a demonstration Show the process for a tax amendment or notice, including what the employer must supply. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Gusto provides an amended-forms area for filings corrected on a company’s behalf. Official documentation · Oct 15, 2026Source
Core capabilityTime data into payrollTransfer captured or approved work hours into payroll. 3.2 points maximum	Supported3.2 / 3.2 pts Time-to-payroll tools require Plus/Premium or the Simple time add-on. Official documentation · Oct 15, 2026Source
Core capabilityPaid leave into payrollTransfer approved paid leave to the relevant pay run. 3.2 points maximum	Supported3.2 / 3.2 pts Approved paid leave is synchronized into the related payroll run. Official documentation · Oct 15, 2026Source
Depth checkReview time before payroll transferReview or approve worked time before it is imported or released to payroll. 4.8 points maximum Ask for a demonstration Change one unapproved timecard and show whether it can enter the payroll run. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts Unapproved timesheets prompt payroll review; approval permission controls syncing hours. Official documentation · Oct 15, 2026Source
Depth checkMap time to earnings or overtimeConnect distinct time types, overtime or earning codes to payroll calculations. 4.8 points maximum Ask for a demonstration Send regular and overtime hours to payroll and show the resulting earning lines. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityBenefit deductions in payrollApply benefit deductions when calculating an employee pay run. 2.4 points maximum	Supported2.4 / 2.4 pts Payroll applies automatic benefit deductions. Official documentation · Oct 15, 2026Source
Core capabilityBenefit-election synchronizationUpdate payroll deductions from benefit elections or changes. 2.4 points maximum	Supported2.4 / 2.4 pts Benefit administration connects deduction information directly to payroll. Official documentation · Oct 15, 2026Source
Depth checkScheduled benefit-deduction changesSet an effective date or scheduled change for a payroll benefit deduction. 3.2 points maximum Ask for a demonstration Change a deduction for the next pay period and show that this period remains correct. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkCatch-up or correction of deductionsApply a one-off adjustment, arrears or catch-up amount to a benefit deduction. 4 points maximum Ask for a demonstration Correct a missed deduction without permanently doubling the employee’s regular deduction. A scenario to run with the supplier; not a completed product test.	Supported4 / 4 pts Late enrollment confirmation produces catch-up deduction corrections in upcoming payrolls. Official documentation · Oct 15, 2026Source
Core capabilityAI payroll explanationsAsk AI about payroll information, a payslip or payroll help content. 2.4 points maximum	Supported2.4 / 2.4 pts Gus answers payroll questions with referenced help content. Official documentation · Oct 15, 2026Source
Core capabilityAI pay-run reviewSurface or explain pay changes, discrepancies or exceptions before payroll is approved. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkAI explanation tied to payroll evidenceInspect the payroll data, entry or help source used in an AI payroll explanation. 3.2 points maximum Ask for a demonstration Ask why net pay changed and open the underlying item or cited source. A scenario to run with the supplier; not a completed product test.	Supported3.2 / 3.2 pts Gus answers with linked help-center references. Official documentation · Oct 15, 2026Source
Depth checkHuman approval of AI-prepared payrollAI-prepared payroll actions or reviews retain explicit human control of pay-run release. 4 points maximum Ask for a demonstration Have AI prepare or review a pay run and show the human approval required to submit it. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkTune thresholds for AI payroll anomaly alertsDemonstrate “Tune thresholds for AI payroll anomaly alerts” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Tune thresholds for AI payroll anomaly alerts” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkBring earlier payrolls into year-to-date balancesDemonstrate “Bring earlier payrolls into year-to-date balances” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Bring earlier payrolls into year-to-date balances” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts During setup, administrators can enter prior payroll history so year-to-date balances carry into Gusto. US payroll setup; enter year-to-date payroll before running Gusto payroll; post-launch corrections use a different process. Official documentation · Oct 21, 2026Source
Depth checkCompare current and previous employee pay before submissionDemonstrate “Compare current and previous employee pay before submission” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Compare current and previous employee pay before submission” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Regular-payroll alerts highlight employee pay changes against recent payroll for review before submission. US regular payroll; requires sufficient previous payroll; alerts do not change or submit payroll; no AI capability inferred. Official documentation · Oct 21, 2026Source
Depth checkApprove a payroll run from a mobile manager accountDemonstrate “Approve a payroll run from a mobile manager account” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Approve a payroll run from a mobile manager account” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkSplit net pay across employee bank accountsDemonstrate “Split net pay across employee bank accounts” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Split net pay across employee bank accounts” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkCap a deduction using a configured net-pay floorDemonstrate “Cap a deduction using a configured net-pay floor” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Cap a deduction using a configured net-pay floor” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkLet an employee compare two pay statementsDemonstrate “Let an employee compare two pay statements” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Let an employee compare two pay statements” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Eligible employees can compare two paychecks in the iPhone app, including earnings, taxes and deductions. US W-2 employees; iPhone app; at least two paychecks; employee sees their own data only. Official documentation · Oct 21, 2026Source
Depth checkTrace a rejected employee bank paymentDemonstrate “Trace a rejected employee bank payment” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Trace a rejected employee bank payment” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

Compare in Payroll software →

Benefits administration · 28 features

68–100/100 documented fit

Core capabilities29.6–32 / 32 pts9/10 checks with established status

Workflow depth38.5–68 / 68 pts8/18 checks with established status

Show checksShowing fewer rows does not change the score.

Benefits administration · 28 weighted capability checks
Feature / weight	Support, evidence & points
Core capabilityOnline employee enrollmentLet employees make benefit elections electronically. 4 points maximum	Supported4 / 4 pts Employee benefit enrollment is documented. Official documentation · Oct 15, 2026Source
Core capabilityLife-event changesProcess benefit changes outside open enrollment following a life event. 4 points maximum	Supported4 / 4 pts Life-event administration is documented. Official documentation · Oct 15, 2026Source
Depth checkEligibility groups and rulesApply benefit eligibility or waiting-period rules to defined employee groups. 5.6 points maximum Ask for a demonstration Show how a new hire becomes eligible while an ineligible worker is excluded. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Employment-status changes affect eligibility and trigger enrollment invitations or carrier updates. Official documentation · Oct 15, 2026Source
Depth checkLife-event evidence and reviewCollect or review dependent or life-event information/documents before a benefit change is finalized. 6.4 points maximum Ask for a demonstration Process a marriage or dependent change and show the supporting evidence and review step. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Brokers review life-event tasks and enrollment forms before carrier submission. Official documentation · Oct 15, 2026Source
Core capabilityBenefit deductions to payrollSend or apply benefit deductions in the connected payroll. 4 points maximum	Supported4 / 4 pts Deductions connect directly to payroll. Official documentation · Oct 15, 2026Source
Core capabilityElection changes to payrollUpdate payroll when benefit elections change. 4 points maximum	Supported4 / 4 pts Benefit changes feed automatic payroll deductions. Official documentation · Oct 15, 2026Source
Depth checkEffective-dated deduction updatesApply benefit-election changes to payroll according to effective dates. 5.6 points maximum Ask for a demonstration Change coverage mid-month and show the intended first payroll deduction. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts The broker confirms the effective date before deductions start on the next payroll. Official documentation · Oct 15, 2026Source
Depth checkRetroactive deduction correctionSupport retroactive benefit correction or catch-up deductions with a reviewable adjustment. 6.4 points maximum Ask for a demonstration Correct a benefit election that was entered after payroll closed and show the adjustment. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Late carrier processing generates corrections to catch up missed deductions. Official documentation · Oct 15, 2026Source
Core capabilityUS benefit-plan optionsProvide access to or administration of US employee benefit plans. 3.2 points maximum	Supported3.2 / 3.2 pts Plan eligibility and available coverage apply. Official documentation · Oct 15, 2026Source
Core capabilityExisting broker or plan connectionDocument a route for retaining an existing broker or benefit arrangement. 3.2 points maximum	Supported3.2 / 3.2 pts Broker integration eligibility and fees apply. Official documentation · Oct 15, 2026Source
Depth checkCarrier enrollment transmissionSend enrollment data to a carrier through a documented connection or file workflow. 4.8 points maximum Ask for a demonstration Follow one approved election from the system to the carrier, including a failed transfer. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts Broker tasks support submitting enrollment forms and recording carrier confirmation. Official documentation · Oct 15, 2026Source
Depth checkDifferent plans or contributions by groupConfigure different benefit offers or employer contributions for eligible employee groups. 4.8 points maximum Ask for a demonstration Give two eligible classes different contributions and show each employee’s enrollment view. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: different plans or contributions by group. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityEnrollment visibilitySee employee enrollment or plan-election information. 2.4 points maximum	Supported2.4 / 2.4 pts Administrators can review employee enrollment. Official documentation · Oct 15, 2026Source
Core capabilityBenefits reports or cost insightProduce benefit-related reports, dashboards or deduction/cost insights. 2.4 points maximum	Supported2.4 / 2.4 pts Benefits reporting support is documented. Official documentation · Oct 15, 2026Source
Depth checkIncomplete-enrollment trackingIdentify employees with missing elections or outstanding enrollment tasks. 3.2 points maximum Ask for a demonstration Show a list of employees who have not completed enrollment and the next action for each. A scenario to run with the supplier; not a completed product test.	Supported3.2 / 3.2 pts Enrollment tasks expose in-progress and completed states for follow-up. Official documentation · Oct 15, 2026Source
Depth checkExport enrollment or deduction detailsExport detailed enrollment, deduction or contribution rows for reconciliation. 4 points maximum Ask for a demonstration Export election and deduction rows and reconcile one employee against payroll or a carrier bill. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts The reviewed evidence does not establish this advanced behavior: export enrollment or deduction details. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityAI benefits questionsAsk AI questions about benefits, plan information or deductions. 2.4 points maximum	Supported2.4 / 2.4 pts Gus answers benefits questions. Official documentation · Oct 15, 2026Source
Core capabilityAI benefits administration helpUse AI to prepare benefit materials, import rates or surface benefit-related operational signals. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish ai benefits administration help at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkAI grounded in relevant benefit informationTie benefit answers to the employer’s actual plan, elections, deductions or approved benefit content. 3.2 points maximum Ask for a demonstration Ask a plan-specific benefit question and show which approved information supports the answer. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: ai grounded in relevant benefit information. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkHuman review or escalation of benefit AIProvide a documented human review or support escalation route for AI benefit guidance or changes. 4 points maximum Ask for a demonstration Ask an ambiguous benefit question or request a change and show how a person reviews or resolves it. A scenario to run with the supplier; not a completed product test.	Supported4 / 4 pts Gus supports escalation to Gusto support rather than requiring reliance on the generated answer. Official documentation · Oct 15, 2026Source
Depth checkExplain the inputs behind an AI benefit recommendationDemonstrate “Explain the inputs behind an AI benefit recommendation” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Explain the inputs behind an AI benefit recommendation” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkAlert when a dependent approaches an eligibility age limitDemonstrate “Alert when a dependent approaches an eligibility age limit” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Alert when a dependent approaches an eligibility age limit” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkLock routine elections outside an enrolment windowDemonstrate “Lock routine elections outside an enrolment window” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Lock routine elections outside an enrolment window” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Routine benefit changes are limited to enrolment periods, with a separate route for qualifying life events. US Gusto-managed health benefit enrolment; qualifying life events and new-hire windows remain separate; not a claim about every benefit product. Official documentation · Oct 21, 2026Source
Depth checkApply expiry or carry-over rules to unused allowancesDemonstrate “Apply expiry or carry-over rules to unused allowances” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Apply expiry or carry-over rules to unused allowances” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkAllocate eligible lines of a mixed receiptDemonstrate “Allocate eligible lines of a mixed receipt” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Allocate eligible lines of a mixed receipt” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkSuppress small groups in anonymous usage reportsDemonstrate “Suppress small groups in anonymous usage reports” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Suppress small groups in anonymous usage reports” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkIdentify merchants in benefit-wallet transactionsDemonstrate “Identify merchants in benefit-wallet transactions” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Identify merchants in benefit-wallet transactions” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkFreeze and replace a lost benefit cardDemonstrate “Freeze and replace a lost benefit card” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Freeze and replace a lost benefit card” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

Compare in Benefits administration →

Time & attendance · 28 features

44–96/100 documented fit

Core capabilities23.2–32 / 32 pts7/10 checks with established status

Workflow depth21.2–63.6 / 68 pts5/18 checks with established status

Show checksShowing fewer rows does not change the score.

Time & attendance · 28 weighted capability checks
Feature / weight	Support, evidence & points
Core capabilityClock-in or time-entry captureRecord worked time using a clock or timesheet. 4 points maximum	Supported4 / 4 pts Time tools require an eligible plan or time add-on. Official documentation · Oct 15, 2026Source
Core capabilityEmployee mobile time entryLet employees clock in or enter their own time using a mobile app. 4 points maximum	Supported4 / 4 pts Employees can clock in, clock out and edit unapproved hours in the Gusto app. Official documentation · Oct 15, 2026Source
Depth checkLocation-aware clock controlsRecord or restrict mobile clocking by approved location or geofence. 5.6 points maximum Ask for a demonstration Try a mobile punch inside and outside the allowed location and show the recorded result. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Administrators can request worker location at clock-in and clock-out. Official documentation · Oct 15, 2026Source
Depth checkTime-entry edit historyRetain a history or audit trail of changes to worked-time records. 6.4 points maximum Ask for a demonstration Correct a missed punch and show the old value, new value and editor. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Manager documentation includes edit history for W-2 employee hours. Official documentation · Oct 15, 2026Source
Core capabilityShift or resource schedule creationCreate and maintain a staff or resource work schedule. 4 points maximum	Supported4 / 4 pts Shift scheduling is included with Plus. Official documentation · Oct 15, 2026Source
Core capabilityAvailability or shift changesCapture worker availability or support shift swaps and coverage changes. 4 points maximum	Not verified0–4 / 4 pts The reviewed documentation does not establish availability or shift changes at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkAvailability or coverage conflict checksWarn about or apply availability, overlap, hours or other scheduling constraints. 5.6 points maximum Ask for a demonstration Schedule a worker during an unavailable period and show how the conflict is surfaced. A scenario to run with the supplier; not a completed product test.	Not verified0–5.6 / 5.6 pts The reviewed evidence does not establish this advanced behavior: availability or coverage conflict checks. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkManager control of shift changesRequire or support manager approval for a swap, cover request or schedule change. 6.4 points maximum Ask for a demonstration Have two employees request a swap and show the manager’s approve/reject step. A scenario to run with the supplier; not a completed product test.	Not verified0–6.4 / 6.4 pts The reviewed evidence does not establish this advanced behavior: manager control of shift changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityManager time review and correctionManagers can review and approve or correct employee time. 3.2 points maximum	Supported3.2 / 3.2 pts The employer app supports time approval. Official documentation · Oct 15, 2026Source
Core capabilityManager controls in the mobile appManagers can perform team-level time or leave approvals, or corrections, in the app; employee-only clock-in does not qualify. 3.2 points maximum	Supported3.2 / 3.2 pts The employer app supports time review; mobile admins can also edit and approve leave requests. Official documentation · Oct 15, 2026Source
Depth checkApproved-period lock and reopeningProtect approved or closed time from ordinary edits and document how it is reopened or corrected. 4.8 points maximum Ask for a demonstration Try to edit approved time, then show the authorized correction or reopening process. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts Processed payroll periods cannot be edited; authorized managers can change approved hours before processing. Official documentation · Oct 15, 2026Source
Depth checkMobile manager time correctionA manager can amend a team member’s worked-time entry in the app, beyond approving PTO or personal clock-in. 4.8 points maximum Ask for a demonstration As a manager, correct an employee’s missed punch in the phone app and show the saved result. A scenario to run with the supplier; not a completed product test.	Limited2.4 / 4.8 pts The manager-specific worked-hours workflow is web-only; employer/admin mobile functions have a different scope. Official documentation · Oct 15, 2026Source
Core capabilityPayroll-system connectionTransfer time data through a documented payroll integration. 2.4 points maximum	Supported2.4 / 2.4 pts Tracked time synchronizes with Gusto payroll. Official documentation · Oct 15, 2026Source
Core capabilityTimesheet data exportExport worked-time records for payroll or reconciliation. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish timesheet data export at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkPayroll earning or job-code mappingMap time, jobs, pay rates or overtime categories to the receiving payroll. 3.2 points maximum Ask for a demonstration Export regular/overtime time for two jobs and show the payroll mapping. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: payroll earning or job-code mapping. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkCorrection after payroll handoffDocument how corrected time is resynchronized, re-exported or otherwise reconciled after an initial transfer. 4 points maximum Ask for a demonstration Correct time after export and show how the receiving payroll is updated without duplicate hours. A scenario to run with the supplier; not a completed product test.	Limited2 / 4 pts Hours edited inside payroll do not update time-tracking records; both records must be reconciled. Official documentation · Oct 15, 2026Source
Core capabilityAI workforce questions or exception helpUse AI for workforce questions, time anomalies or review prompts. 2.4 points maximum	Supported2.4 / 2.4 pts Gus answers time and HR questions. Official documentation · Oct 15, 2026Source
Core capabilityAI-assisted schedule planningUse documented AI to prepare or optimize schedules; ordinary scheduling rules alone do not qualify. 2.4 points maximum	Not verified0–2.4 / 2.4 pts The reviewed documentation does not establish ai-assisted schedule planning at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkAI planning uses workforce constraintsDocument AI using availability, workload, demand or working-time inputs to prepare schedules or recommendations. 3.2 points maximum Ask for a demonstration Change one availability or staffing requirement and show its effect on the AI proposal. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: ai planning uses workforce constraints. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkManager review of AI time or schedulesKeep an editable/reviewable AI proposal or exception prompt before a schedule or payroll-related change is applied. 4 points maximum Ask for a demonstration Generate a schedule or time recommendation, edit one suggestion and show the manager’s final decision. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts The reviewed evidence does not establish this advanced behavior: manager review of ai time or schedules. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkMeasure AI staffing forecasts against actual demandDemonstrate “Measure AI staffing forecasts against actual demand” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Measure AI staffing forecasts against actual demand” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkAdd a new worker from a manager's mobile appDemonstrate “Add a new worker from a manager's mobile app” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Add a new worker from a manager's mobile app” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkClock a team in or out from one manager deviceDemonstrate “Clock a team in or out from one manager device” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Clock a team in or out from one manager device” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkReject overlapping time entries for one workerDemonstrate “Reject overlapping time entries for one worker” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Reject overlapping time entries for one worker” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkSeparate travel time from time spent on the jobDemonstrate “Separate travel time from time spent on the job” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Separate travel time from time spent on the job” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkBlock further project time after a budget limitDemonstrate “Block further project time after a budget limit” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Block further project time after a budget limit” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkRestrict clocking to individually approved devicesDemonstrate “Restrict clocking to individually approved devices” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Restrict clocking to individually approved devices” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkCreate or update attendance entries through an APIDemonstrate “Create or update attendance entries through an API” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Create or update attendance entries through an API” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

Compare in Time & attendance →

AI CAPABILITY CHECK

What does its AI actually do?

AI assistance

Gus answers payroll, benefits, time, and HR questions with help-center references.

Official AI source

Documented capabilities

Contextual questions
Voice and file input
Escalation to support

Limits to check

Answers can be wrong; review linked sources
Not evidence of autonomous payroll execution

Understand the full price

Simple: $49 monthly base plus $6 per person; Plus $80 plus $12 per person.

Billing basis: monthly. Unit: monthly base + $6/person. Currency: USD.

Time on Simple and priority support cost extra
Premiums and some benefit account fees are additional

Verify current pricing with the vendor

Integrations and deployment

QuickBooks
Xero
Homebase

Test administrator and employee access separately before enabling sensitive workflows.

US buying context

US payroll; verify state and benefit-plan eligibility.

The evidence record

Simple and Plus have different state and time scope

Official evidence

Payroll runs are unlimited

Official evidence

Benefits require an active payroll account

Official evidence

Gus links answers to help articles

Official evidence

Source library

Research is based on documentation, not a hands-on performance test. Report a correction.

EXPLORE THE ALTERNATIVES

Keep your options open.

HR software alternatives · highest documented score first.

52–100/100 documented fit

BambooHR

An HR-centered platform with connected payroll, benefits, time, and recruiting modules.

Good fit forGrowing employers building a coherent employee database and lifecycle process.

Custom quoteper employee/month or small-company flat fee

View research

37–100/100 documented fit

OnPay

US payroll with published base pricing and separately priced HR and time options.

Good fit forSmall employers wanting straightforward multistate payroll pricing.

$49.00monthly base + $6/worker

View research

33–100/100 documented fit

Paychex Flex

Payroll and HR software with connected benefits, time tools, and service options.

Good fit forUS employers that want payroll technology with configurable service support.

Custom quoteconfigured package

View research