Gusto vs Rippling: Pricing and Features Compared (2026)
At 10 employees, Gusto lists around $109 per month versus about $120 for Rippling at entry tier, a difference of $11 per month, as of November 2026. Gusto publishes its prices; Rippling quotes. Gusto is the better fit when: teams under 50 who want to run payroll themselves in a few clicks and get benefits, 401(k) and HR tools without a sales call. Rippling is the better fit when: fast-growing companies (roughly 20 to 1,000 employees) that want payroll, benefits, device management and expenses in one system, including global hires.
Prices verified November 2026
Price at a glance
| Gusto | Rippling | |
|---|---|---|
| Entry plan | Simple | Platform (required) |
| Base fee / month | $49 | $40 |
| Per employee / month | $6 | $8 |
| 1 employee | $55 | $48 |
| 5 employees | $79 | $80 |
| 10 employees | $109 | $120 |
| 25 employees | $199 | $240 |
| 50 employees | $349 | $440 |
| Pricing published? | Yes, fully | No, quote only |
| Billing | Flat monthly base plus per person; unlimited payroll runs | Per employee per module; annual contracts are standard |
| Contract | Month to month, no long-term contract | Annual; quote-based |
| Support | Email, chat and phone; dedicated support on Premium | Chat and email; dedicated CSM on larger accounts |
Quote-only providers shown as estimates from publicly reported quotes. See each provider page for the estimate basis.
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| Feature | Gusto | Rippling |
|---|---|---|
| Federal & state tax filing | Yes | Yes |
| Unlimited payroll runs | Yes | Yes |
| Multi-state payroll | Plus+ | Yes |
| 1099 contractors | Yes | Yes |
| Health benefits | Yes | Yes |
| HR tools | Yes | Yes |
| Time tracking | Plus+ | add-on |
| Same-day deposit | No | Yes |
| PEO option | No | Yes |
| Mobile app | Yes | Yes |
Choose Gusto if
Teams under 50 who want to run payroll themselves in a few clicks and get benefits, 401(k) and HR tools without a sales call.
Choose Rippling if
Fast-growing companies (roughly 20 to 1,000 employees) that want payroll, benefits, device management and expenses in one system, including global hires.
Gusto strengths and weaknesses
- Every plan and price is published; no sales call needed
- Unlimited payroll runs at no extra cost
- Consistently rated the easiest payroll software to use
- Simple plan raised to $49 in March 2026, second increase in a year
- Multi-state payroll requires Plus, doubling the per-person fee
- Health insurance broker integration costs $6 per eligible employee unless Gusto is your broker
Rippling strengths and weaknesses
- Everything (HR, IT, finance, global payroll) runs off one employee record
- Best-in-class automation and workflow engine
- Global payroll and employer-of-record in the same platform
- Must buy the platform before you can buy payroll
- Modular pricing means the real number is 2 to 4x the advertised $8
- Annual contracts only
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- Prices verified November 2026
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Frequently asked questions
Is Gusto or Rippling cheaper?
At list price for 10 employees, Gusto is cheaper by about $11 per month (published price). Promotions and negotiation can change the result; get written 12-month quotes.
Which is easier to use, Gusto or Rippling?
Gusto is generally rated easier for owners who run payroll themselves. Rippling leans on human support and setup help instead.
Can I switch from Gusto to Rippling?
Yes. Most providers migrate your employee data and year-to-date totals for free. Switching at a quarter boundary is cleanest. See our guide to switching payroll providers.
Sources
- Gusto pricing page, read November 2026
- Rippling pricing page, read November 2026