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Payroll · head to head

Justworks vs SalaryFits

Justworks logo

Justworks

Payroll

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

From
$8/month
Rated
-
Full reviewWebsite
SalaryFits logo

SalaryFits

Payroll

Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only SalaryFits has a free tier, so it costs nothing to try first.
  • 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.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • They diverge on capability: Justworks covers Co-employment PEO, SalaryFits covers Discount club.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Justworks and SalaryFits actually diverge.

Attributes where Justworks and SalaryFits differ
AttributeJustworksSalaryFits
Starting price$8/monthFree
Pricing modelPer employee per monthFree for employers, fees apply to advances and loans
Free tierNoYes

Identical on both: 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 SalaryFits

  • Discount club
  • Earned wage access
  • Payroll-deduction loans
  • Financial marketplace
  • Zero employer cost
  • Serasa credit integration

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

SalaryFits

  • A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot Justworks
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot Justworks
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Justworks
  • An employer consolidating several point benefits into one branded app for staffnot 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.

SalaryFits

  • It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
  • Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
  • As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
  • Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.

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

SalaryFits

Free
  • SalaryFitsFree
    • No employer subscription cost
    • Discount club free to employees
    • Salary advance and consigned loan fees apply per transaction

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 SalaryFits if

  • You need discount club.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want earned wage access.
SalaryFits review

Questions people ask

Is Justworks or SalaryFits better?
Neither clearly leads. Justworks starts at $8/month and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Justworks or SalaryFits?
SalaryFits has a free tier; the other does not. Paid plans start at $8/month for Justworks and Free for SalaryFits.
Does Justworks or SalaryFits run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. Justworks starts at $8/month.
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 SalaryFits is typically brought in for.
What can Justworks do that SalaryFits cannot?
Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.

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.

SalaryFits: Is SalaryFits still an independent company?

No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.

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.

SalaryFits: Does it cost the employer anything?

The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.

Justworks: Can Justworks employ people outside the US?

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

SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

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.

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