Bill.com vs Gusto: which one fits your business?
Side-by-side comparison of Bill.com and Gusto — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Gusto wins on our scorecard (7.9/10 vs 7.1/10).
| Scored on | Bill.com | Gusto |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 6 | 7 |
| Customer support | 5 | 6 |
| Features | 9 | 9 |
| Monthly Subscription (Team Tier) | $55 per user | — |
| ACH Payment Fee | $0.49 each | — |
| Mailed Check Fee | $1.69 each | — |
| International Wire (USD) | $0.00 (with FX markup) | — |
| Simple Base Fee | — | $40/mo |
| Simple Per-Person | — | $6/mo |
| Plus Base Fee | — | $80/mo |
| Contractor Only Base | — | $35/mo |
Bill.com in one paragraph
Bill.com is the gold standard for mid-sized small businesses needing strict approval workflows, provided you can stomach the per-transaction fees.
Skip it if: You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
Gusto in one paragraph
Gusto is the gold standard for small business payroll automation, trading high-touch human support for a near-perfect digital interface.
Skip it if: You have a complex multi-state employee base and require a dedicated, 24/7 human account manager to handle manual tax adjustments.
Frequently asked questions
Which is better, Bill.com or Gusto?
On our five-axis scorecard, Gusto scores higher (7.9/10 vs 7.1/10). Gusto is the gold standard for small business payroll automation, trading high-touch human support for a near-perfect digital interface.
Who should skip Bill.com?
You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
Who should skip Gusto?
You have a complex multi-state employee base and require a dedicated, 24/7 human account manager to handle manual tax adjustments.