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Bill.com vs Gusto Payroll — Which One Wins?
A detailed, side-by-side comparison of Bill.com and Gusto Payroll to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Gusto Payroll takes the lead with a 4.6 rating and is best for small businesses with 1-100 employees. Bill.com (4.0) is the better pick if you need mid-market finance teams drowning in invoices.
Side-by-Side Comparison
| Criteria | Bill.com | Gusto Payroll |
|---|---|---|
| Rating | ★★★★ 4.0(155) | ★★★★★ 4.6(220) |
| Pricing Model | subscription | subscription |
| Starter Price | $45/user/mo | $40/mo + $6/person/mo |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Medium | Easy |
| API Available | Yes | Yes |
| Best For | Mid-market finance teams drowning in invoices | Small businesses with 1-100 employees |
| Verdict | Best AP/AR Automation | Best Small Business Payroll |
Feature Checklist
| Feature | Bill.com | Gusto Payroll |
|---|---|---|
| AP Automation | — | |
| AR Automation | — | |
| Invoice Capture | — | |
| Approval Workflows | — | |
| International Payments | — | |
| Payroll | — | |
| Benefits Admin | — | |
| Tax Filing | — | |
| Time Tracking | — | |
| HR Tools | — |
Bill.com
Pros
- ✓Excellent invoice capture AI
- ✓Strong approval workflows
- ✓International payments
Cons
- ✕Expensive for small businesses
- ✕Customer support can be slow
- ✕Setup takes time
Gusto Payroll
Pros
- ✓Incredibly easy to use
- ✓Automatic tax filings
- ✓Great employee self-service portal
Cons
- ✕Gets expensive as team grows
- ✕Limited international payroll
- ✕Benefits only in US
The Bottom Line
Both Bill.com and Gusto Payroll are solid tools in the Accounting & Finance space. Gusto Payroll edges ahead with a stronger overall rating (4.6 vs 4.0) and is the better choice for small businesses with 1-100 employees. However, if you prioritize mid-market finance teams drowning in invoices, Bill.com is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Bill.com better than Gusto Payroll?▼
Gusto Payroll scores higher overall with a 4.6 rating vs 4.0. However, the best choice depends on your specific needs. Bill.com is best for Mid-market finance teams drowning in invoices, while Gusto Payroll is best for Small businesses with 1-100 employees.
Can I switch from Bill.com to Gusto Payroll?▼
Yes, most users can migrate between the two. Gusto Payroll offers a free tier to test before committing.
Which is more affordable, Bill.com or Gusto Payroll?▼
Bill.com starts at $45/user/mo, while Gusto Payroll starts at $40/mo + $6/person/mo. Bill.com offers a free tier. Gusto Payroll offers a free tier.