Is Bill.com or Gusto better?

Neither clearly leads. Bill.com starts at Free and Gusto at $49/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Bill.com or Gusto?

Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and $49/month for Gusto.

Does Bill.com or Gusto run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use Bill.com for free?

Yes. Bill.com has a free tier, so you can try it without paying. Gusto starts at $49/month.

What is Bill.com best used for?

Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what Gusto is typically brought in for.

What can Bill.com do that Gusto cannot?

Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Gusto covers Automated payroll, Tax filing, Benefits administration, Time tracking. Both handle QuickBooks, Xero, SOC2.

All industries · head to head

Bill.com vs Gusto

Bill.com

All industries

Automate your financial workflows

From: Free
Rated: -

Full review Website

Gusto

All industries

The people platform for small businesses

From: $49/month
Rated: -

Full review Website

The short version

Only Bill.com has a free tier, so it costs nothing to try first.
Each has a real cost: Bill.com limited customization of approval workflows and user permissions for complex business needs; Gusto customer service can be slow and unresponsive to issues
They diverge on capability: Bill.com covers AP automation, Gusto covers Automated payroll.

Where they differ

Only the attributes on which Bill.com and Gusto actually diverge.

Attributes where Bill.com and Gusto differ
Attribute	Bill.com	Gusto
Starting price	Free	$49/month
Free tier	Yes	No
Founded	2006	2011

Identical on both: pricing model (Unknown), platforms (Web), user rating (Not yet rated), category (All industries).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bill.com

AP automation
AR automation
Payment processing
Approval workflows
Document management
Vendor management
Cash flow insights
Mobile approvals

Only in Gusto

Automated payroll
Tax filing
Benefits administration
Time tracking
Employee onboarding
HR compliance
Workers' comp
401(k) management

Both cover

QuickBooks
Xero
SOC2

What people use each for

The jobs each tool is most often brought in to do.

Bill.com

Invoice processingnot Gusto
Bill paymentsnot Gusto
Vendor paymentsnot Gusto
Cash flow managementnot Gusto
Financial automationnot Gusto

Gusto

Payroll processingnot Bill.com
Benefits administrationnot Bill.com
Tax compliancenot Bill.com
Employee onboardingnot Bill.com
Time trackingnot Bill.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bill.com

Limited customization of approval workflows and user permissions for complex business needs
Limited international payment capabilities compared to specialists like Tipalti
Customer support response times are slow, with agents often lacking product expertise

Gusto

Customer service can be slow and unresponsive to issues
Weak reporting capabilities, cannot export data to spreadsheets for analysis
Support staff lacks deep payroll expertise and knowledge
Rehired employees do not have settings reset, causing manual cleanup work
City tax handling requires additional monitoring and monitoring
Onboarding can have issues with bank account verification and tax registration

Pricing, plan by plan

Bill.com

Free

Essentials$49/month
- Core AP and AR functionality
- Manual CSV import/export
Team$65/month
- Automatic 2-way sync with QuickBooks Online, Xero
Corporate$89/month
- Procurement features
- Custom approval policies
- Sync with NetSuite, Dynamics

Gusto

$49/month

No published plan breakdown. See the Gusto review.

Which should you pick?

Choose Bill.com if

You need ap automation.
You want to start without paying.
You also want ar automation.

Bill.com review

Choose Gusto if

You need automated payroll.
You also want tax filing.

Gusto review

Questions people ask

Is Bill.com or Gusto better?: Neither clearly leads. Bill.com starts at Free and Gusto at $49/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Gusto?: Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and $49/month for Gusto.
Does Bill.com or Gusto run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use Bill.com for free?: Yes. Bill.com has a free tier, so you can try it without paying. Gusto starts at $49/month.
What is Bill.com best used for?: Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what Gusto is typically brought in for.
What can Bill.com do that Gusto cannot?: Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Gusto covers Automated payroll, Tax filing, Benefits administration, Time tracking. Both handle QuickBooks, Xero, SOC2.

Answered from the vendors’ own pages

Bill.com: What payment methods does Bill.com support?

Bill.com supports ACH transfers, checks, corporate cards, and international transfers. ACH payments cost $0.59 per transaction, checks cost $1.99, and card payments incur a 2.9% fee.

Source

Gusto: What is Gusto's starting price?

Gusto starts at $49 per month plus $6 per person. The company also offers a Contractor-only plan for $35 per month plus $6 per contractor.

Source

Bill.com: Does Bill.com offer a free tier?

Yes. Bill.com offers a free Spend & Expense plan for access to credit lines from $1,000-$5M with corporate cards, budgets, and expense tracking.

Source

Gusto: Does Gusto include unlimited payroll runs?

Yes, all Gusto plans include unlimited payroll runs at no extra charge, including off-cycle payrolls.

Source

Bill.com: Which accounting systems does Bill.com integrate with?

Bill.com integrates with QuickBooks Online, QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and Xero, with automatic two-way syncing on most plans.

Source

Gusto: What core features are included in Gusto?

All plans include payroll processing, tax administration, digital onboarding, benefits enrollment, time tracking, performance management, and next-day direct deposit for most plans.

Source

Gusto: Does Gusto support integrations?

Yes, Gusto integrates with accounting software, applicant tracking systems, benefits providers, time-tracking tools, and other business platforms to reduce data entry.

Source

Bill.com vs Gusto

Bill.com

Gusto

The short version

Where they differ

What each one covers

Only in Bill.com

Only in Gusto

Both cover

What people use each for

Bill.com

Gusto

Where each one falls short

Bill.com

Gusto

Pricing, plan by plan

Bill.com

Gusto

Which should you pick?

Choose Bill.com if

Choose Gusto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Bill.com

More on Gusto

Keep looking

Other head to heads