Bill.com vs Gusto
A comprehensive head-to-head comparison of two leading all industries solutions in 2026. Compare features, pricing, ratings, and more to find the right fit.
Quick Verdict
Choose Bill.com if you need AP automation and prefer comprehensive paid features. Choose Gusto if you prioritize Automated payroll and want plans starting at $40/month. Gusto has a higher user rating (4.7 vs 4.4).
Bill.com vs Gusto: At a Glance
Feature Comparison: Bill.com vs Gusto
| Feature | Bill.com | Gusto |
|---|---|---|
| AP automation | ||
| AR automation | ||
| Payment processing | ||
| Approval workflows | ||
| Document management | ||
| Vendor management | ||
| Cash flow insights | ||
| Mobile approvals | ||
| QuickBooks | ||
| Xero | ||
| NetSuite | ||
| Sage Intacct | ||
| Oracle | ||
| Microsoft Dynamics | ||
| Salesforce | ||
| Automated payroll | ||
| Tax filing | ||
| Benefits administration | ||
| Time tracking | ||
| Employee onboarding | ||
| HR compliance | ||
| Workers' comp | ||
| 401(k) management | ||
| FreshBooks | ||
| Slack | ||
| Google Calendar | ||
| Clover | ||
| Square |
Bill.com vs Gusto: Pricing Breakdown
Bill.com Pricing
Model: subscription
- Unlimited users
- ACH payments
- Check payments
- Basic approvals
- Custom user roles
- Advanced approvals
- International payments
- Phone support
- Multiple entities
- Advanced workflows
- API access
- Dedicated support
- Custom pricing
- Custom integrations
- SLA
- White glove service
Gusto Pricing
Model: per-employee
- Full-service payroll
- Employee self-service
- Health benefits
- Basic HR tools
- Everything in Simple
- Time tracking
- PTO policies
- Employee surveys
- Everything in Plus
- HR resource center
- Dedicated support
- Performance reviews
Pros and Cons
Bill.com
Pros
- Highly rated by users (4.4/5)
- Available on 3 platforms (Web, Ios, Android)
- Rich feature set with 15+ capabilities
- Strong AP automation functionality
- Strong AR automation functionality
Cons
- No free plan available
- May require time to learn advanced features
Gusto
Pros
- Highly rated by users (4.7/5)
- Available on 4 platforms (Web, Ios, Android, Api)
- Rich feature set with 15+ capabilities
- Strong Automated payroll functionality
- Strong Tax filing functionality
Cons
- No free plan available
- May require time to learn advanced features
Who Should Use Bill.com vs Gusto?
Choose Bill.com if you:
- Need AP automation
- Have a budget of $45/month+
- Work primarily on Web and Ios
- Value AR automation
Choose Gusto if you:
- Need Automated payroll
- Have a budget of $40/month+
- Work primarily on Web and Ios
- Value Tax filing
Frequently Asked Questions: Bill.com vs Gusto
Is Bill.com better than Gusto?
It depends on your needs. Bill.com has a 4.4/5 user rating while Gusto has 4.7/5. Bill.com excels in AP automation and AR automation, while Gusto stands out with Automated payroll and Tax filing. Consider your budget ($45/month vs $40/month), platform needs, and specific feature requirements.
Which is cheaper, Bill.com or Gusto?
Bill.com starts at $45/month. Gusto starts at $40/month. Compare the specific plan features to determine the best value for your use case.
Can I use Bill.com and Gusto together?
While both are all industries tools, some teams use complementary software together. Check each product's API and integration capabilities for compatibility. However, most users find that one solution covers their core all industries needs.
What are the main differences between Bill.com and Gusto?
The key differences include: pricing model (subscription vs per-employee), platform support (Web, Ios, Android vs Web, Ios, Android, Api), and feature focus. Bill.com emphasizes AP automation, AR automation, Payment processing while Gusto focuses on Automated payroll, Tax filing, Benefits administration. User ratings differ slightly: 4.4 vs 4.7 out of 5.
Ready to choose?
Explore detailed reviews, user ratings, and pricing for both Bill.com and Gusto.