HONEST COMPARISON · BOTH PRICING PAGES READ

ADP vs Gusto: a named account team or a published price

You run a small US business and want payroll and tax filings done reliably, without them eating your month. You may have tried to price ADP and found you cannot get a number without a salesperson, and now you are checking if Gusto does the same job at a price you can see. If your staff work across state lines, that is a second worry.

Both tools are affiliate partners of ours: we may earn a commission if you sign up through a button on this page, at no extra cost to you. That is why we also say when to pick neither.

Short answerFor most businesses under fifty people Gusto is the easier pick, because you can cost it in five minutes: Simple is $49 a month plus $6 per person (read 16 Oct 2026). ADP makes sense if you want the largest, oldest provider and a named account team, and you accept getting a quote first: it shows no RUN price on any page we checked (11 Oct 2026). The deciding factor is what a sales conversation is worth to you. If staff work in several states, Gusto Plus lists multi-state payroll, while one ADP reviewer (Feb 2026) says RUN could not handle employees working across states.

ADP and Gusto side by side

ADPGusto
Price we readSimple $49 a month plus $6 per person (single-state payroll) (read 16 Oct 2026)
Entry priceEssential Payroll (RUN): price on request; no figure on any ADP page (checked 11 Oct 2026)Simple: $49 a month plus $6 per person, single-state payroll (read 16 Oct 2026)
How you payQuote through sales for one of four RUN packages: Essential, Enhanced, Complete, HR ProBase fee plus a per-person fee, month-to-month, no contract, free setup
Free plan or trialNo trial stated. Offer read 11 Oct 2026: 3 free months, credited to months 4 to 6, if signed by 22 OctNo free plan or trial stated in our reading
Best forSmall and mid-sized employers who want a named account team from the largest providerUS small businesses wanting payroll, benefits and tax filing in one place
Main catchYou cannot budget or compare it before giving sales your headcount and phone numberUS-only: new international hires go to Remote's EOR, from about $599 per employee a month

Which one fits you

Pick ADP if

  • You would rather have a named account team than a self-service tool. ADP has run payroll for over 75 years and says more than 900,000 small businesses use RUN.
  • You want HR support bundled with payroll from one big provider. Complete Payroll & HR Plus adds basic HR support and HR Pro adds enhanced HR support and staff perks, both priced by quote.
Try ADP →

Pick Gusto if

  • You need a number before you talk to anyone. Gusto Simple is $49 a month plus $6 per person (read 16 Oct 2026), month-to-month with no contract.
  • Your staff live and work in different states. Gusto Plus adds multi-state payroll, next-day pay and time tracking at $80 a month plus $12 per person (read 16 Oct 2026).
  • You are a one or two person company. A published-price tool covers the same job without ADP's sales call, and Gusto's Solo plan on the 'Pay Myself' tab is $49 a month plus $6 per person (read 16 Oct 2026).
Try Gusto →

When to pick neither

Most of your team lives outside the US and you want one vendor to pay them all. Gusto refers new international hires to Remote on a separate contract, and nothing in our ADP reading covers staff abroad.

Gusto's own FAQ says a team that is mostly abroad should compare employer-of-record services directly.

What it costs at a real size

Only Gusto can be priced. A team of 10 in one state on Simple: $49 + 10 × $6 = $109 a month. On Plus, for several states: $80 + 10 × $12 = $200 a month (both read 16 Oct 2026). ADP gives no figure, so ask it for the per-employee monthly rate and the per-payroll-run fee separately and set them next to these.

Where to start

ADP

Essential Payroll (RUN), price on request (checked 11 Oct 2026). Before signing, get the ongoing rate in writing and ask what the price becomes at double your headcount.

Start with ADP →

Gusto

Simple, $49 a month plus $6 per person, single-state payroll (read 16 Oct 2026). Plus at $80 plus $12 per person if you pay staff in several states.

Start with Gusto →

Questions buyers ask

Does ADP publish prices for RUN?

No. On 11 Oct 2026 the package-comparison page showed 'Get pricing' under all four tiers, and adp.com/pricing returned a 404 when we checked in August 2026. Every route ends at a quote form.

Is ADP's three-months-free offer worth it?

Read the terms first. The offer we read on 11 Oct 2026 needed a signed order and payroll started by 22 Oct 2026, and credited the free months to months 4, 5 and 6, not the first three. It was for new RUN clients with 1 to 49 employees in the continental US. Its end date had already moved twice since August, so check what is running now.

Do I pay Gusto for contractors every month?

No. Gusto's pricing FAQ (read 16 Oct 2026) says you are charged only for active employees, and US contractors are billed at the plan's per-person rate only in months you pay them.

Which one handles custom reports better?

We did not compare reporting. Buyers on Capterra and Trustpilot (Aug 2026) call ADP's reporting rigid for custom needs, and our Gusto research does not cover reporting.

Where these facts come from

ADP's RUN product page, package-comparison page and offer terms, read 29 Aug 2026 and re-checked 11 Oct 2026. Gusto's pricing page and pricing FAQ, read in a browser on 16 Oct 2026. Prices change: each one carries the date we read it, and our reviews are re-checked against the vendor pages. How we review.

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