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Payroll · head to head

Justworks vs Nmbrs

Justworks logo

Justworks

Payroll

Professional employer organisation with published per-employee pricing and a separate payroll-only tier

From
$8/month
Rated
-
Full reviewWebsite
Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Justworks the published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.; Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • They diverge on capability: Justworks covers Co-employment PEO, Nmbrs covers Dutch payroll engine.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Justworks and Nmbrs actually diverge.

Attributes where Justworks and Nmbrs differ
AttributeJustworksNmbrs
Starting price$8/monthOn request
Pricing modelPer employee per monthquote

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Justworks

  • Co-employment PEO
  • Large-group benefits
  • Payroll and filings
  • Workers' compensation
  • Compliance support
  • Standalone payroll
  • International contractors
  • HR consulting

Only in Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

What people use each for

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

Justworks

  • A twenty-person US startup that wants health insurance comparable to a large employer without an insurance broker relationshipnot Nmbrs
  • A company hiring across several US states that does not want to register as an employer and file taxes in each of themnot Nmbrs
  • A founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty noticenot Nmbrs
  • A team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tiernot Nmbrs

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Justworks
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Justworks
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Justworks
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Justworks

Where each one falls short

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

Justworks

  • The published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • Leaving a PEO is a project, not a cancellation: you must source your own health plan, obtain your own state employer registrations and unemployment accounts, and time the switch to a plan year, which typically takes months.
  • Coverage is United States only, so the moment you hire your first employee in another country you are running a second system and Justworks handles them only as a contractor.
  • PEO Basic looks like a cheaper way in but excludes the Justworks health plans, which is the main reason companies choose a PEO at all, so most buyers end up on Plus.
  • Benefit plan choice is constrained to what Justworks has negotiated, and a company with strong preferences about carriers or network coverage in a specific region may find the options do not fit.

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Pricing, plan by plan

Justworks

$8/month
  • Payroll$8/month
    • Plus a $50 monthly base fee
    • Payroll, tax filing and benefits administration
    • No co-employment, so no access to Justworks health plans at PEO rates
  • PEO Basic$79/month
    • Full co-employment PEO
    • Payroll, tax filing and compliance
    • Does not include access to Justworks-sponsored health plans
  • PEO Plus$109/month
    • Everything in Basic
    • Access to Justworks health, dental and vision plans
    • Premiums are billed separately and are the larger cost
  • Dedicated HR consulting$30/month
    • Add-on to PEO plans
    • Named HR adviser support

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

Which should you pick?

Choose Justworks if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want large-group benefits.
Justworks review

Choose Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Questions people ask

Is Justworks or Nmbrs better?
Neither clearly leads. Justworks starts at $8/month and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Justworks or Nmbrs?
Justworks starts at $8/month and Nmbrs at On request.
Does Justworks or Nmbrs run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Justworks best used for?
Justworks is most often used for a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship, a company hiring across several us states that does not want to register as an employer and file taxes in each of them, a founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty notice, a team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tier. Of those, a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship and a company hiring across several us states that does not want to register as an employer and file taxes in each of them are not what Nmbrs is typically brought in for.
What can Justworks do that Nmbrs cannot?
Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

Answered from the vendors’ own pages

Justworks: What does co-employment actually mean?

Justworks becomes the employer of record for payroll tax and benefits purposes while you retain full control over hiring, management and day-to-day work. It is a legal arrangement, not an outsourcing of your team.

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Justworks: Is the $79 figure my total monthly cost per employee?

No. It is the platform fee. Health insurance premiums, dental, vision and workers' compensation are additional and typically dwarf it.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Justworks: Can Justworks employ people outside the US?

No. It can pay international contractors, but it is not an employer of record abroad.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Justworks: What is the difference between the Payroll plan and the PEO?

The Payroll plan handles payroll and benefits administration under your own EIN at $8 per employee per month plus a base fee. The PEO adds co-employment and pooled large-group insurance at $79 or $109.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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