Gusto vs OnPay for Teams Under 10 (2026 Cost Comparison)
Gusto vs OnPay for small teams: monthly cost for 1, 5, and 10 people, where each fits, and questions to ask before choosing.
Published · 5 min read
Quick answer
At list prices, Gusto Simple and OnPay's core payroll plan cost the same for small teams ($49/month + $6 per person). The decision comes down to features, included services, and how each fits your workflow.
Monthly cost for teams under 10
Prices below are monthly list prices checked on October 20, 2026, excluding promotions, add-ons, and taxes. Confirm current pricing on each provider's site before deciding.
When OnPay may be worth a look
- You want a single straightforward plan rather than tiers
- Its included features match your needs at the same price
- You prefer its support or industry-specific options
When Gusto may be the better fit
- You want payroll, benefits options, and HR tools like onboarding in one place
- You expect to grow past a few employees and want room to upgrade plans
- You'd rather compare features than chase the lowest monthly price
Questions to ask before choosing
- Which tax filings and states are included?
- Are benefits and HR tools included or extra?
- How does each handle contractors?
| Plan | 1 person | 5 people | 10 people |
|---|---|---|---|
| Gusto Simple$49/mo + $6/person · Gusto's entry plan | $55 | $79 | $109 |
| OnPay Payroll$49/mo + $6/person · OnPay's core payroll plan | $55 | $79 | $109 |
Sources: Gusto pricing · OnPay pricing
Frequently asked questions
Is Gusto cheaper than OnPay?
It depends on the plan and team size. See the cost table above, calculated from list prices on October 20, 2026.
See if Gusto fits your business
Compare plans, pricing, and eligibility directly with Gusto.
This article is general information, not tax or legal advice. GetBizFlow is an independent referral site and may receive a referral benefit if you sign up through our links.