Quick Overview
- 1#1: Gusto - Full-service payroll and HR platform designed for small to medium-sized businesses with automated tax filing and employee benefits management.
- 2#2: ADP - Comprehensive payroll and HR solutions for businesses of all sizes, offering global payroll, compliance, and talent management tools.
- 3#3: Paychex - Scalable payroll processing with integrated HR, benefits administration, and retirement services for SMBs and enterprises.
- 4#4: QuickBooks Payroll - Seamless payroll integration with QuickBooks accounting software, featuring auto-payroll, tax calculations, and direct deposit.
- 5#5: Rippling - All-in-one workforce management platform combining payroll, HR, IT, and finance automation for fast-growing companies.
- 6#6: OnPay - Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and multi-state tax compliance.
- 7#7: Patriot Payroll - Simple, cost-effective full-service payroll solution with direct deposit, tax filing, and 1099 support for small businesses.
- 8#8: BambooHR - Cloud HR platform with payroll add-on, employee self-service, performance tracking, and onboarding tools.
- 9#9: Wave Payroll - Free invoicing and affordable payroll service integrated with accounting for freelancers and small businesses.
- 10#10: Square Payroll - Easy payroll for Square users with automatic tax calculations, filing, and next-day direct deposit.
These tools were curated based on rigorous assessment of features, usability, reliability, and overall value, ensuring they cater to the unique demands of small, medium, and large businesses, with a focus on balancing functionality and practicality.
Comparison Table
Navigating payroll software options can feel overwhelming, but exploring top tools like Gusto, ADP, Paychex, QuickBooks Payroll, Rippling, and more simplifies the process. This comparison table breaks down key features, costs, and usability to help readers identify the best solution for their business needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Gusto Full-service payroll and HR platform designed for small to medium-sized businesses with automated tax filing and employee benefits management. | enterprise | 9.5/10 | 9.6/10 | 9.7/10 | 9.2/10 |
| 2 | ADP Comprehensive payroll and HR solutions for businesses of all sizes, offering global payroll, compliance, and talent management tools. | enterprise | 9.1/10 | 9.4/10 | 8.2/10 | 8.7/10 |
| 3 | Paychex Scalable payroll processing with integrated HR, benefits administration, and retirement services for SMBs and enterprises. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 7.8/10 |
| 4 | QuickBooks Payroll Seamless payroll integration with QuickBooks accounting software, featuring auto-payroll, tax calculations, and direct deposit. | enterprise | 8.7/10 | 9.1/10 | 8.5/10 | 8.0/10 |
| 5 | Rippling All-in-one workforce management platform combining payroll, HR, IT, and finance automation for fast-growing companies. | enterprise | 9.0/10 | 9.5/10 | 8.5/10 | 8.0/10 |
| 6 | OnPay Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and multi-state tax compliance. | specialized | 9.1/10 | 8.9/10 | 9.4/10 | 9.3/10 |
| 7 | Patriot Payroll Simple, cost-effective full-service payroll solution with direct deposit, tax filing, and 1099 support for small businesses. | specialized | 8.2/10 | 7.8/10 | 8.9/10 | 9.3/10 |
| 8 | BambooHR Cloud HR platform with payroll add-on, employee self-service, performance tracking, and onboarding tools. | enterprise | 8.1/10 | 7.9/10 | 9.2/10 | 7.8/10 |
| 9 | Wave Payroll Free invoicing and affordable payroll service integrated with accounting for freelancers and small businesses. | specialized | 8.0/10 | 7.5/10 | 9.2/10 | 9.5/10 |
| 10 | Square Payroll Easy payroll for Square users with automatic tax calculations, filing, and next-day direct deposit. | specialized | 7.8/10 | 7.5/10 | 9.2/10 | 8.4/10 |
Full-service payroll and HR platform designed for small to medium-sized businesses with automated tax filing and employee benefits management.
Comprehensive payroll and HR solutions for businesses of all sizes, offering global payroll, compliance, and talent management tools.
Scalable payroll processing with integrated HR, benefits administration, and retirement services for SMBs and enterprises.
Seamless payroll integration with QuickBooks accounting software, featuring auto-payroll, tax calculations, and direct deposit.
All-in-one workforce management platform combining payroll, HR, IT, and finance automation for fast-growing companies.
Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and multi-state tax compliance.
Simple, cost-effective full-service payroll solution with direct deposit, tax filing, and 1099 support for small businesses.
Cloud HR platform with payroll add-on, employee self-service, performance tracking, and onboarding tools.
Free invoicing and affordable payroll service integrated with accounting for freelancers and small businesses.
Easy payroll for Square users with automatic tax calculations, filing, and next-day direct deposit.
Gusto
enterpriseFull-service payroll and HR platform designed for small to medium-sized businesses with automated tax filing and employee benefits management.
Contractor payments and full benefits administration integrated directly into payroll for seamless 1099 filings and employee perks management.
Gusto is an all-in-one payroll, HR, and benefits platform tailored for small to medium-sized businesses, automating payroll processing, tax calculations, and filings across all 50 states. It streamlines employee onboarding, time tracking, performance reviews, and benefits administration like health insurance and 401(k)s. With robust integrations for accounting tools like QuickBooks and Xero, Gusto simplifies compliance and reduces administrative burdens for growing teams.
Pros
- Intuitive interface with quick setup and minimal training required
- Automatic tax filing, compliance updates, and multi-state payroll support
- Extensive integrations with 100+ apps for accounting, time tracking, and more
Cons
- Higher costs for larger teams due to per-employee pricing
- Advanced reporting and analytics require premium plans or add-ons
- Limited customization for complex enterprise needs
Best For
Small to medium-sized businesses seeking an user-friendly, all-in-one solution for payroll, HR, and benefits without needing in-house expertise.
Pricing
Starts at $40/month + $6/employee for Simple payroll; Plus at $80 + $12/employee; Premium custom pricing; 1-month free trial available.
ADP
enterpriseComprehensive payroll and HR solutions for businesses of all sizes, offering global payroll, compliance, and talent management tools.
AI-driven compliance engine with real-time regulatory updates and guaranteed accuracy
ADP is a leading provider of comprehensive payroll, HR, and compliance software serving businesses of all sizes worldwide. It automates payroll processing, tax calculations and filings, benefits administration, time and attendance tracking, and employee self-service portals. With scalable plans like RUN for SMBs and Workforce Now for enterprises, ADP ensures seamless integration with other business tools and robust data security.
Pros
- Industry-leading tax compliance and automated filings across global jurisdictions
- Scalable platform with full HR suite including recruiting and performance management
- Strong integrations with accounting, benefits, and third-party apps
Cons
- Higher cost structure, especially for small businesses
- Steep learning curve and complex setup for non-experts
- Customer support can be inconsistent based on user reviews
Best For
Mid-to-large businesses needing enterprise-grade payroll with advanced HR and compliance features.
Pricing
Custom quote-based pricing; RUN starts at ~$59/base + $4-$10/employee/month, Workforce Now higher for enterprises.
Paychex
enterpriseScalable payroll processing with integrated HR, benefits administration, and retirement services for SMBs and enterprises.
Tax compliance guarantee covering penalties if errors occur due to Paychex's processing
Paychex is a leading payroll and human capital management (HCM) software provider with over 45 years of experience, offering end-to-end solutions for payroll processing, tax compliance, HR administration, benefits management, and time tracking. It serves businesses from small startups to large enterprises, automating payroll runs, direct deposits, and W-2/1099 filings while integrating with popular accounting tools. Paychex emphasizes compliance accuracy, backed by guarantees on tax filings, making it a trusted choice for regulated industries.
Pros
- Robust payroll automation and multi-state tax compliance with penalty guarantees
- Comprehensive HR tools including onboarding, performance management, and benefits admin
- Dedicated customer support with live reps and 24/7 resources
Cons
- Higher pricing that may not suit very small businesses
- User interface can feel outdated compared to modern competitors
- Lengthy onboarding and implementation process
Best For
Mid-sized businesses seeking an all-in-one payroll and HR platform with expert compliance support.
Pricing
Quote-based pricing starts at ~$80/month base + $4-5 per employee; varies by features, payroll frequency, and company size.
QuickBooks Payroll
enterpriseSeamless payroll integration with QuickBooks accounting software, featuring auto-payroll, tax calculations, and direct deposit.
Deep, native integration with QuickBooks Online for automatic syncing of payroll data to accounting books
QuickBooks Payroll is a robust payroll solution from Intuit designed for small to medium-sized businesses, automating employee payments, tax calculations, filings, and direct deposits. It integrates seamlessly with QuickBooks Online accounting software for unified financial management. Key features include time tracking, benefits administration, employee self-service portals, and guaranteed tax compliance with next-day direct deposit.
Pros
- Seamless integration with QuickBooks Online for streamlined accounting and payroll
- Automated federal, state, and local tax filing and payments with accuracy guarantees
- 24/7 expert support and next-day direct deposit availability
Cons
- Higher pricing tiers add up quickly for larger teams
- Interface can feel overwhelming for users new to QuickBooks ecosystem
- Limited support for multi-state or international payroll without add-ons
Best For
Small to medium-sized businesses already using QuickBooks Online that need integrated payroll and accounting solutions.
Pricing
Core: $50/month + $6/employee; Premium: $80/month + $8/employee; Elite: $125/month + $10/employee (billed annually; prices subject to change).
Rippling
enterpriseAll-in-one workforce management platform combining payroll, HR, IT, and finance automation for fast-growing companies.
One-click global payroll that automatically syncs with HR data and handles compliance across 100+ countries
Rippling is an all-in-one workforce management platform that unifies HR, payroll, IT, and finance operations for streamlined employee management. It automates payroll processing across 50+ US states and 100+ countries, handles tax compliance, benefits administration, and device/app provisioning. Designed for growing businesses, it eliminates data silos by syncing all employee data in real-time.
Pros
- Comprehensive integration of HR, payroll, IT, and finance reduces tool sprawl
- Robust global payroll with automatic tax compliance and multi-country support
- Advanced automation for onboarding, offboarding, and employee self-service
Cons
- Premium pricing can be costly for small businesses or startups
- Initial setup and learning curve for complex configurations
- Limited reporting customization compared to specialized payroll tools
Best For
Mid-sized to enterprise companies seeking a unified platform for HR and payroll with global scalability.
Pricing
Starts at $8/user/month for core HR + $5-$11/user/pay period for payroll; custom enterprise pricing with implementation fees.
OnPay
specializedAffordable, user-friendly payroll software with unlimited payroll runs, expert support, and multi-state tax compliance.
100% accuracy guarantee on payroll taxes, with free corrections if errors occur
OnPay is a full-service payroll software tailored for small to medium-sized businesses, offering automated payroll processing, tax calculations, and federal/state filings. It includes HR tools, benefits administration, time tracking integrations, and compliance support to streamline operations. With a focus on simplicity and accuracy, it handles unlimited payroll runs without per-run fees.
Pros
- Exceptional customer support with dedicated payroll experts
- Unlimited payroll runs and a flat pricing model
- Seamless integrations with popular accounting software like QuickBooks
Cons
- Limited support for international payroll
- Fewer advanced reporting options compared to enterprise solutions
- Initial setup may require some time for complex employee configurations
Best For
Small to medium-sized U.S.-based businesses seeking affordable, user-friendly payroll with full tax filing and strong support.
Pricing
$40/month base fee + $6 per active employee/month, with no setup or per-run fees.
Patriot Payroll
specializedSimple, cost-effective full-service payroll solution with direct deposit, tax filing, and 1099 support for small businesses.
Unlimited payroll runs included at no extra per-run charge
Patriot Payroll is a cloud-based payroll software from Patriot Software, tailored for small to medium-sized businesses, handling payroll processing, tax calculations, filings, and direct deposits. It offers flexible plans including DIY in-house payroll and full-service options where experts manage compliance. Additional modules for time & attendance and basic HR enhance its core functionality.
Pros
- Highly affordable pricing
- Intuitive and beginner-friendly interface
- Responsive customer support with live chat
Cons
- Limited advanced reporting and analytics
- Fewer integrations with third-party apps
- Basic HR features compared to enterprise solutions
Best For
Small businesses with simple payroll needs seeking cost-effective, hassle-free processing.
Pricing
In-house payroll starts at $17 base + $4/employee/month; full-service at $37 base + $4/employee/month; free trial available.
BambooHR
enterpriseCloud HR platform with payroll add-on, employee self-service, performance tracking, and onboarding tools.
Deep integration of payroll with full HR suite, automatically pulling employee data for error-free processing
BambooHR is an all-in-one HR management platform with integrated payroll processing tailored for small to mid-sized businesses in the US and Canada. It automates payroll runs, tax calculations, filings, and direct deposits, seamlessly syncing with employee data, onboarding, and time tracking features. While not a standalone payroll giant, it excels in unifying HR and payroll workflows to reduce administrative burdens.
Pros
- Seamless integration between HR tools and payroll for unified employee management
- Intuitive interface with mobile app support for easy payroll approvals and access
- Automated compliance handling for US and Canadian taxes and filings
Cons
- Limited to US and Canada, lacking global payroll support
- Pricing scales per employee and can become costly for larger teams
- Fewer advanced payroll features compared to dedicated providers like ADP
Best For
Small to mid-sized US or Canadian businesses seeking an integrated HR and payroll solution without needing complex enterprise-level payroll capabilities.
Pricing
Custom pricing starts at around $6-10 per employee/month for core HR, with payroll add-on at $39 base + $4-6 per employee/month (billed annually; quote required).
Wave Payroll
specializedFree invoicing and affordable payroll service integrated with accounting for freelancers and small businesses.
Deep integration with Wave's free accounting suite for end-to-end small business financial management
Wave Payroll is a cloud-based payroll solution from Wave Apps, primarily targeting small businesses and freelancers in the US and Canada, seamlessly integrated with its free accounting and invoicing tools. It automates payroll calculations, tax withholdings, direct deposits, and generates forms like W-2s and 1099s, with employee self-service portals for payslips and tax documents. While straightforward for basic needs, it offers self-service tax filing in select US states and full-service options via Pro plans.
Pros
- Affordable flat pricing per employee with no hidden fees
- Intuitive interface and quick setup, especially for Wave users
- Seamless integration with free Wave accounting software
Cons
- Limited to US (select states for full service) and Canada only
- Lacks advanced HR tools like benefits administration or time tracking
- Customer support limited to email and chat, no phone option
Best For
Very small businesses, freelancers, and solopreneurs needing simple, low-cost payroll tied to basic accounting.
Pricing
Starts at $20/month + $6/active employee (US self-service); Pro at $40/month + $6/employee with tax filing; Canada $25/month + $6/employee.
Square Payroll
specializedEasy payroll for Square users with automatic tax calculations, filing, and next-day direct deposit.
One-click integration with Square POS for importing hours and tips directly into payroll
Square Payroll is a streamlined payroll solution offered by Square, primarily designed for small businesses using Square's point-of-sale and payment systems. It automates payroll processing, tax calculations, filings, and direct deposits with minimal setup. Ideal for hourly workers in retail and hospitality, it integrates directly with Square's ecosystem for time tracking and sales data.
Pros
- Seamless integration with Square POS for automatic time tracking and sales-based payroll
- User-friendly interface with quick setup and mobile access
- Automatic tax filings and compliance in supported states
Cons
- Limited availability to only select U.S. states
- Lacks advanced features like benefits administration or multi-state payroll
- Best suited for Square users; less flexible for non-Square businesses
Best For
Small retail and service businesses already using Square POS that need simple, integrated payroll for hourly employees.
Pricing
$35 base fee per month plus $6 per active employee; free for contractors in supported states.
Conclusion
When selecting payroll software, Gusto shines as the top choice, combining full-service payroll, HR tools, and automated tax filing to simplify operations for small to medium-sized businesses. ADP and Paychex follow strongly, with ADP offering comprehensive, global solutions for all business sizes and Paychex providing scalable processing with integrated HR, retirement, and benefits services. Together, these three tools represent the best in the field, catering to diverse needs from simplicity to enterprise-level complexity.
Dive into Gusto today to experience its user-friendly, all-in-one platform—whether you’re a growing business or managing day-to-day operations, it sets the standard for efficient, worry-free payroll management.
Tools Reviewed
All tools were independently evaluated for this comparison
