Gusto vs Wave: which one fits your business?
Side-by-side comparison of Gusto and Wave — 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 7.8/10).
| Scored on | Gusto | Wave |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 5 |
| Features | 9 | 7 |
| Simple Base Fee | $40/mo | — |
| Simple Per-Person | $6/mo | — |
| Plus Base Fee | $80/mo | — |
| Contractor Only Base | $35/mo | — |
| Starter Plan | — | $0/mo |
| Pro Plan | — | $16/mo |
| CC Processing (Visa/MC) | — | 2.9% + $0.60 |
| CC Processing (Amex) | — | 3.4% + $0.60 |
| ACH Processing | — | 1% ($1 min) |
| Payroll (Tax Service) | — | $40 + $6/employee |
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.
Wave in one paragraph
Wave remains the gold standard for free invoicing and simple bookkeeping for solo service providers, provided you don't mind limited support.
Skip it if: Skip it if you sell physical inventory or plan to scale to a 10+ person team within the next year.
Frequently asked questions
Which is better, Gusto or Wave?
On our five-axis scorecard, Gusto scores higher (7.9/10 vs 7.8/10). Gusto is the gold standard for small business payroll automation, trading high-touch human support for a near-perfect digital interface.
Who should skip Gusto?
You have a complex multi-state employee base and require a dedicated, 24/7 human account manager to handle manual tax adjustments.
Who should skip Wave?
Skip it if you sell physical inventory or plan to scale to a 10+ person team within the next year.