BILL vs Gusto2026
BILL
Accounting & Finance
Accounts payable and receivable automation platform for small and mid-size businesses.
Gusto
HR & People Ops
Full-service payroll, HR, and benefits platform built for small and growing US businesses.
Our Verdict
BILL has the pricing advantage ($45/mo vs $46/mo).
Choose BILL if…
teams at the small to mid-sized businesses stage
Choose Gusto if…
teams at the small to mid-sized businesses stage
Side-by-Side Comparison
Green highlight = advantage on that metric.
| Feature | BILL | Gusto |
|---|---|---|
| Pricing | ||
| Pricing model | Subscription | Subscription |
| Starting price | $45/mo | $46/mo |
| Free tier | ||
| Free trial | ||
| Ratings & Reviews | ||
| User rating | No reviews yet | No reviews yet |
| Features & Capabilities | ||
| Best for | small to mid-sized businesses | small to mid-sized businesses |
| Tracked features | 7 | 9 |
| Company | ||
| Founded | 2006 | 2011 |
| Verified listing | ||
Pricing
BILL
SubscriptionGusto
SubscriptionBILL
$45/moGusto
$46/moBILL
Gusto
BILL
Gusto
Ratings & Reviews
BILL
No reviews yetGusto
No reviews yetFeatures & Capabilities
BILL
small to mid-sized businessesGusto
small to mid-sized businessesBILL
7Gusto
9Company
BILL
2006Gusto
2011BILL
Gusto
Key Differences
BILL
7 tracked features
Gusto
✓9 tracked features
BILL is best for…
Strengths
- Industry standard for AP automation
- Processes $300B+ annually
- Strong approval workflows
- Integrates with major accounting software
Gusto is best for…
Strengths
- Automatic payroll tax filing
- Health benefits brokerage built in
- Excellent employee self-service
- Easy onboarding
Pricing Comparison
BILL
From $45/mo
Essentials plan from $45/user/month.
Gusto
From $46/mo
Simple plan from $46/month plus $6/person/month.
Pricing information is verified periodically. Visit each vendor's pricing page for current rates and plan details.
Feature Comparison
Only in BILL
- Accounts Payable
- Accounts Receivable
- Invoicing
- Approval Workflows
- Zapier Integration
- Payment Processing
Both tools
- API Access
Only in Gusto
- Payroll Processing
- Automatic Tax Filing
- Benefits Administration
- Employee Onboarding
- PTO Management
- Direct Deposit
- Contractor Payments
- Employee Directory
Frequently Asked Questions
- What is the main difference between BILL and Gusto?
- BILL has the pricing advantage ($45/mo vs $46/mo). Choose BILL if you need it for teams at the small to mid-sized businesses stage. Choose Gusto if you need it for teams at the small to mid-sized businesses stage.
- Is BILL cheaper than Gusto?
- BILL is cheaper at From $45/mo vs From $46/mo. Note that pricing tiers vary — check each vendor's current pricing page for up-to-date details.
- Can I switch from BILL to Gusto?
- Yes — most teams can migrate from BILL to Gusto with a data export/import process. Check whether both tools support CSV or API data export before starting. It's advisable to run both tools in parallel for a short period to verify your data migrated correctly.