Incfile Review

$19/m + $6/m/person

Monthly plans

Pros & Cons

Top5 Top Business Services

Our Score



Our Score



Our Score



Our Score



Our Score



Plans & Pricing

Incfile has four core pricing plans and multiple add-ons. The plans vary based on features you have access to and how quickly some operations, like direct deposit, are carried out.



The Basic plan is designed for tiny teams of one or two people and costs $19/m +$6/m/person. It has basic payroll features such as workers compensation, a self-service portal, the ability to set policies for paid time off, and 4-day direct deposit.



The Core plan is designed for teams that are a bit larger and don’t have complex needs associated with payroll. It costs $39/m +$6/m/person. It builds on the basic plan by reducing direct deposit to 2 days while adding employee onboarding, accounting integrations, insurance administration, Gusto Wallet for employees, and more.



The Complete plan caters to mid-sized teams or those with more complex needs and costs $39/m +$12/m/person. It builds on previous plans and offers next-day direct deposits, custom employee onboarding tools, user permissions, employee surveys and directory, time tracking, and simple project management.



The Concierge plan offers more resources to ensure you’re compliant with regulations and taxes. It costs $149/m +$12/m/person and has similar features as the Complete plan. The main difference is that you have access to certified HR professionals, dedicated support reps, and a detailed HR resource center.

In addition to W-2 employees, you can add contractors to any plan for just $6/m/person. When compared to similar software, Gusto is a competitively priced mid-range solution.


$19/m + $6/m/person

Monthly plans


$39/m + $6/m/person

Monthly plans


$39/m + $12/m/person

Monthly plans


Founded in 2011 as ZenPayRoll by Edward Kim, Joshua Reeves, and Tomer London, Gusto is a complete human resource management platform for small and medium businesses. It’s an end-to-end ecosystem that takes care of payroll and compliance, benefits administration, time tracking, and even onboarding. Together, these tools save businesses countless hours and money through automation and easier regulatory compliance.



9 /10


9 /10


8 /10


8 /10

Features and Functionality

Gusto is a cloud-based application that can be accessed from any location as long as you have an internet connection. It also has a mobile application for employees with many useful features. Since it’s so popular, it has a large ecosystem of accountants that are familiar with the system. This makes generating important documentation even easier.


Benefits administration

As a business grows, it’s important to offer incentives to attract talent. Usually, it’s a pain to manage but Gusto allows you to handle everything from a single backend. Administer 401K, health insurance, dental insurance, and other financial benefits with the admin interface. You can even find providers and pay for them as an add-on.


Offer letters & onboarding

Gusto allows you to create and send customized offer letters for signing that match your branding. Create a master onboarding checklist that HR goes through to get new employees to speed and send other documents for electronic signing. It also allows you to create single sign on accounts for popular software like Slack and Google Suite.


Employee mobile wallet

Your staff can download a mobile app for iOS and Android that gives them control over how their paychecks are disbursed. It even lets them set up savings goals to put money away while earning them a small amount of interest.


Payday financing

When enrolled with Gusto, employees have access to emergency cash advances based on their accrued salary. It’s given to them instantly and is automatically withdrawn from their next paycheck. It’s free for you and interest-free for them.

Customer Support

With this type of system, errors can cost many times more because of noncompliance fees. The Gusto support team is knowledgeable and works quickly to rectify any errors that may arise and are available via multiple channels. You can expect responses within a few hours after sending an email and a few moments when calling.

Phone Support

Phone support is available to all customers between 8AM and 3PM PST.

Live Online Chat

Live chat is also available during the same hours as phone support.


Email support is available to all customers and you can expect a reply within a few hours.

Video Tutorials

There are video tutorials and walkthroughs available on the official YouTube channel.


It has multiple FAQs and a robust knowledge base.


There are multiple blogs aimed at different groups. There is one for employers and one for accountants. Both deliver relevant tips and company updates.

Final Word

Gusto is a full-service payroll and HR solution that small and medium businesses can take advantage of to effectively manage their human capital. It offers an easy-to-use interface that lets you run payroll in minutes instead of hours. In addition to the core payroll services, there are multiple add-ons and features that enhance its utility.

Those features include benefits administration, employee onboarding, a mobile app for employees, a large number of integrations, employee time tracking, and much more. It’s reasonably priced for what it offers but add-ons can get pricey if you don’t take care. All things considered, it’s a powerful payroll service that is reliable and easy enough for almost any employee to manage.


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