Quick Overview
- 1#1: Gusto - User-friendly payroll software that automates payroll, taxes, benefits, and HR for small businesses.
- 2#2: OnPay - Affordable full-service payroll platform with unlimited runs, expert support, and compliance tools for SMBs.
- 3#3: QuickBooks Payroll - Seamless payroll integration with QuickBooks accounting for easy employee payments and tax filings.
- 4#4: Patriot Software - Low-cost online payroll solution offering direct deposit, tax filing, and 1099 support for small businesses.
- 5#5: Wave Payroll - Simple, low-fee payroll service integrated with free invoicing and accounting tools.
- 6#6: Square Payroll - Straightforward payroll for businesses using Square, with automatic tax calculations and payments.
- 7#7: ADP RUN - Scalable payroll software for small businesses with automated tax filing and HR features.
- 8#8: Paychex Flex - Comprehensive payroll and HR management with expert guidance for growing small businesses.
- 9#9: Xero Payroll - Cloud payroll add-on to Xero accounting that simplifies payslips, taxes, and compliance.
- 10#10: BambooHR Payroll - Integrated payroll within BambooHR's HR platform for streamlined employee management and payments.
We evaluated tools based on ease of use, comprehensive features (including automation and compliance support), consistent performance, and overall value, prioritizing solutions that balance functionality and cost-effectiveness for practical, day-to-day use.
Comparison Table
Explore simple payroll software options with this comparison table, featuring tools like Gusto, OnPay, QuickBooks Payroll, Patriot Software, Wave Payroll, and more. This guide outlines key details—from features to pricing—to help readers identify the best fit for their needs, whether streamlining processes or managing taxes. Discover insights to simplify your selection and find a solution tailored to your requirements.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Gusto User-friendly payroll software that automates payroll, taxes, benefits, and HR for small businesses. | enterprise | 9.5/10 | 9.7/10 | 9.6/10 | 9.2/10 |
| 2 | OnPay Affordable full-service payroll platform with unlimited runs, expert support, and compliance tools for SMBs. | specialized | 9.3/10 | 9.1/10 | 9.6/10 | 9.4/10 |
| 3 | QuickBooks Payroll Seamless payroll integration with QuickBooks accounting for easy employee payments and tax filings. | enterprise | 8.4/10 | 9.0/10 | 8.0/10 | 7.8/10 |
| 4 | Patriot Software Low-cost online payroll solution offering direct deposit, tax filing, and 1099 support for small businesses. | specialized | 8.5/10 | 8.0/10 | 8.7/10 | 9.2/10 |
| 5 | Wave Payroll Simple, low-fee payroll service integrated with free invoicing and accounting tools. | specialized | 8.1/10 | 7.8/10 | 9.2/10 | 8.5/10 |
| 6 | Square Payroll Straightforward payroll for businesses using Square, with automatic tax calculations and payments. | specialized | 8.1/10 | 7.8/10 | 9.2/10 | 8.3/10 |
| 7 | ADP RUN Scalable payroll software for small businesses with automated tax filing and HR features. | enterprise | 8.1/10 | 8.5/10 | 7.8/10 | 7.5/10 |
| 8 | Paychex Flex Comprehensive payroll and HR management with expert guidance for growing small businesses. | enterprise | 8.1/10 | 9.2/10 | 7.7/10 | 7.4/10 |
| 9 | Xero Payroll Cloud payroll add-on to Xero accounting that simplifies payslips, taxes, and compliance. | enterprise | 8.1/10 | 8.3/10 | 8.7/10 | 7.4/10 |
| 10 | BambooHR Payroll Integrated payroll within BambooHR's HR platform for streamlined employee management and payments. | enterprise | 7.8/10 | 8.2/10 | 8.5/10 | 7.0/10 |
User-friendly payroll software that automates payroll, taxes, benefits, and HR for small businesses.
Affordable full-service payroll platform with unlimited runs, expert support, and compliance tools for SMBs.
Seamless payroll integration with QuickBooks accounting for easy employee payments and tax filings.
Low-cost online payroll solution offering direct deposit, tax filing, and 1099 support for small businesses.
Simple, low-fee payroll service integrated with free invoicing and accounting tools.
Straightforward payroll for businesses using Square, with automatic tax calculations and payments.
Scalable payroll software for small businesses with automated tax filing and HR features.
Comprehensive payroll and HR management with expert guidance for growing small businesses.
Cloud payroll add-on to Xero accounting that simplifies payslips, taxes, and compliance.
Integrated payroll within BambooHR's HR platform for streamlined employee management and payments.
Gusto
enterpriseUser-friendly payroll software that automates payroll, taxes, benefits, and HR for small businesses.
Full-service payroll that automatically handles all federal, state, and local tax filings and payments
Gusto is a comprehensive yet user-friendly payroll software tailored for small businesses, automating payroll processing, tax calculations, filings, and payments for W-2 and 1099 workers. It integrates HR tools, benefits administration, and time tracking into a single platform, reducing administrative burdens. Ideal for simple payroll needs, it handles multi-state payroll and compliance effortlessly without requiring extensive expertise.
Pros
- Automated tax filing and payments across all states
- Seamless integration of payroll, HR, and benefits
- Intuitive interface with excellent mobile app support
Cons
- Per-employee pricing can add up for larger teams
- Advanced HR features locked behind higher plans
- Limited customization for very niche payroll needs
Best For
Small businesses and startups seeking an all-in-one, hassle-free payroll solution with built-in compliance and HR tools.
Pricing
Starts at $40 base + $6/employee/month (Simple plan); Plus at $80 + $12/employee; Premium custom pricing.
OnPay
specializedAffordable full-service payroll platform with unlimited runs, expert support, and compliance tools for SMBs.
Tax guarantee: They file taxes correctly or it's free, with expert support to handle compliance.
OnPay is a user-friendly cloud-based payroll software tailored for small to medium-sized businesses, handling unlimited payroll runs, automated tax calculations, filings, and payments for federal, state, and local taxes. It offers employee self-service portals, benefits administration, and seamless integrations with accounting tools like QuickBooks and Xero. With no setup fees and dedicated support, it streamlines simple payroll needs while providing essential HR tools like onboarding and compliance reporting.
Pros
- Unlimited payroll runs included in pricing
- Automated tax filing with accuracy guarantee
- Excellent customer support and quick setup
Cons
- Per-employee pricing scales with team size
- No native time tracking (requires integrations)
- Limited advanced HR analytics
Best For
Small businesses with up to 50 employees seeking straightforward, reliable payroll without complex features.
Pricing
$40 base fee + $6 per employee/month; unlimited runs, no setup fees, free direct deposit.
QuickBooks Payroll
enterpriseSeamless payroll integration with QuickBooks accounting for easy employee payments and tax filings.
Deep, native integration with QuickBooks Online and Desktop for automatic data syncing between accounting and payroll
QuickBooks Payroll is an integrated payroll solution from Intuit designed for small to medium-sized businesses, seamlessly connecting with QuickBooks accounting software to handle employee payments, tax calculations, and filings. It offers automated payroll runs, direct deposit, and compliance tools like W-2 and 1099 form generation. While powerful for integrated accounting workflows, it provides straightforward payroll processing for basic needs with features like employee self-service portals.
Pros
- Seamless integration with QuickBooks for unified accounting and payroll
- Automatic tax calculations, filings, and payments for compliance
- Reliable direct deposit and robust employee self-service tools
Cons
- Higher pricing that may exceed needs for very simple payroll
- Steeper learning curve if not already using QuickBooks ecosystem
- Additional fees for state filings and premium support features
Best For
Small businesses already using QuickBooks accounting software that need reliable, integrated payroll without complex standalone setup.
Pricing
Core plan starts at $45/month + $6/employee; Premium $80/month + $9/employee; Elite $125/month + $11/employee, plus per-state filing fees.
Patriot Software
specializedLow-cost online payroll solution offering direct deposit, tax filing, and 1099 support for small businesses.
100% tax filing accuracy guarantee - they'll file your taxes correctly or do it for free
Patriot Software offers straightforward online payroll solutions tailored for small businesses, handling payroll processing, direct deposits, federal and state tax filings, and year-end W-2/1099 forms. It provides Basic and Full Service options, with the Basic plan focusing on core payroll needs and Full Service adding guaranteed tax filing accuracy. The platform emphasizes affordability, unlimited payroll runs, and dedicated U.S.-based support without long-term contracts.
Pros
- Highly affordable pricing with no hidden fees
- Unlimited payroll runs per month
- Excellent U.S.-based customer support with quick response times
Cons
- Limited advanced HR features and integrations
- User interface feels somewhat dated
- No built-in time tracking or mobile app
Best For
Small businesses with 1-50 employees seeking simple, reliable payroll processing without complex needs.
Pricing
Basic Payroll: $17 base + $4/employee/month; Full Service: $37 base + $4/employee/month; free trial and setup available.
Wave Payroll
specializedSimple, low-fee payroll service integrated with free invoicing and accounting tools.
Free, automatic integration with Wave's accounting platform for effortless data syncing
Wave Payroll is a user-friendly payroll solution tailored for small businesses in the US and Canada, offering automated calculations for wages, taxes, deductions, and compliance filings. It integrates seamlessly with Wave's free accounting and invoicing tools, enabling unlimited payroll runs, direct deposits, and generation of forms like W-2s and 1099s. Designed for simplicity, it handles basic payroll needs without advanced HR features.
Pros
- Affordable flat pricing with unlimited payroll runs
- Seamless integration with free Wave accounting software
- Intuitive interface requiring minimal setup
Cons
- Geographically limited to US and Canada only
- No built-in time tracking or advanced reporting
- Customer support is email and chat only, no phone
Best For
Small business owners in the US or Canada using Wave accounting who need straightforward, cost-effective payroll without complex features.
Pricing
US: $20 base + $6/active employee/month; Canada: $20 base + $5/active employee/month (billed annually or monthly).
Square Payroll
specializedStraightforward payroll for businesses using Square, with automatic tax calculations and payments.
Native integration with Square POS for effortless employee time tracking and sales-based payroll adjustments
Square Payroll is a streamlined payroll solution from Square, tailored for small businesses, especially those using Square's POS systems. It enables quick payroll processing in minutes, automatic tax calculations and filings, direct deposits, and 1099 contractor payments. With options for core self-service or full-service tax handling, it's ideal for simple payroll needs without complex HR features.
Pros
- Seamless integration with Square POS for automatic time tracking
- Fast payroll runs with one-click processing
- Automatic federal and state tax calculations and filings
Cons
- Limited to U.S. operations and select states
- Fewer integrations outside the Square ecosystem
- Pricing scales up quickly for larger teams on full service
Best For
Small retail or service businesses already using Square POS that need straightforward, integrated payroll without advanced HR tools.
Pricing
Core: $35 base + $6/employee/month (self-file taxes); Full Service: $6/employee/month (taxes handled); $6/contractor/month.
ADP RUN
enterpriseScalable payroll software for small businesses with automated tax filing and HR features.
100% tax compliance guarantee with on-time filing handled by ADP experts
ADP RUN is a cloud-based payroll solution tailored for small businesses, automating payroll processing, direct deposit, and tax calculations. It handles federal, state, and local tax filings with accuracy guarantees and offers employee self-service portals for payslips and W-2s. Additional features include basic HR tools like time tracking and benefits administration, making it scalable for growing teams.
Pros
- Proven tax compliance with ADP's accuracy guarantee
- Robust customer support including live chat and experts
- Seamless integrations with accounting and HR apps
Cons
- Pricing can be higher than budget competitors
- Interface feels dated compared to modern alternatives
- Overkill features for businesses needing only basic payroll
Best For
Small businesses with up to 50 employees needing reliable tax filing and compliance without in-house expertise.
Pricing
Essential plan starts at $59/month + $4/employee (billed annually); Enhanced and Complete plans from $119/month + $10-$15/employee.
Paychex Flex
enterpriseComprehensive payroll and HR management with expert guidance for growing small businesses.
100% payroll tax accuracy guarantee with expert handling of filings and amendments
Paychex Flex is a robust cloud-based payroll and HR platform tailored for small to mid-sized businesses, offering automated payroll processing, tax filing, and compliance management. It includes employee self-service portals, benefits administration, and time tracking integrations for streamlined operations. While capable for simple payroll, its full suite makes it scalable beyond basic needs.
Pros
- Expert tax filing and compliance with accuracy guarantees
- Scalable from basic payroll to full HR management
- Strong customer support and integrations with accounting tools
Cons
- Higher pricing compared to basic payroll-only solutions
- Steeper learning curve for users seeking ultra-simplicity
- Custom quotes can obscure transparent upfront costs
Best For
Growing small businesses needing reliable payroll that can expand into comprehensive HR without switching providers.
Pricing
Essential Payroll starts at ~$59/month + $5/employee; full-service plans are custom-quoted, often $80+/month + per-employee fees.
Xero Payroll
enterpriseCloud payroll add-on to Xero accounting that simplifies payslips, taxes, and compliance.
Native integration with Xero accounting for automatic payroll journal entries and real-time financial reconciliation
Xero Payroll is a cloud-based payroll solution integrated into the Xero accounting platform, tailored for US small businesses handling straightforward payroll needs. It automates pay runs, tax withholdings, direct deposits, and federal/state tax filings with minimal manual input. The tool also offers employee self-service portals for payslips and PTO tracking, making it suitable for simple payroll without advanced HR complexities.
Pros
- Seamless integration with Xero accounting for unified financials
- Automated multi-state tax calculations and e-filings
- Intuitive interface with mobile access for on-the-go processing
Cons
- Pricing adds up with per-employee fees for small teams
- Best suited for Xero users; less ideal as standalone payroll
- Some advanced features locked behind higher-tier plans
Best For
Small to medium US businesses already using Xero accounting who want simple, integrated payroll without separate software.
Pricing
$40 base/month + $6 per paid employee per pay period (requires Xero subscription starting at $15/month).
BambooHR Payroll
enterpriseIntegrated payroll within BambooHR's HR platform for streamlined employee management and payments.
Native, bi-directional sync with BambooHR HRIS for automatic data flow between HR records and payroll runs
BambooHR Payroll is an add-on module to the BambooHR HRIS platform that automates payroll processing, including wage calculations, tax withholdings, direct deposits, and compliance filings for US employees. It supports multi-state payroll, benefits deductions, and integrates time tracking data directly from BambooHR. While powerful for HR-integrated payroll, it's not a standalone solution and best suits companies already in the BambooHR ecosystem.
Pros
- Seamless integration with BambooHR HR tools for unified employee data
- Automated multi-state tax compliance and filings
- Intuitive interface with strong mobile access
Cons
- Requires full BambooHR subscription, not ideal as standalone payroll
- Limited to US operations only
- Higher cost for small teams needing just basic payroll
Best For
Small to mid-sized US businesses already using BambooHR HR software that want integrated payroll without additional vendors.
Pricing
Payroll add-on starts at $6 per active employee per month, plus required BambooHR core pricing ($6-$8/employee/month); volume discounts available.
Conclusion
The reviewed payroll tools offer accessible, streamlined solutions, with Gusto leading as the top choice for its robust automation of payroll, taxes, benefits, and HR. OnPay and QuickBooks Payroll stand as strong alternatives—OnPay for its affordability and unlimited runs, QuickBooks for seamless integration with accounting. Each tool caters to different needs, ensuring there’s a reliable option for various small business setups.
Take the first step toward effortless payroll management by trying Gusto, the top-ranked tool, and simplify your financial operations today.
Tools Reviewed
All tools were independently evaluated for this comparison
