Gusto
Score 92
Xero
Score 88
Quick Verdict
Winner: Gusto
Gusto is currently ranked higher for overall value. Xero remains a strong alternative depending on your workflow and budget.
| Feature | Gusto | Xero | Winner |
|---|
| Starting price | 49 USD | 20 USD | Xero |
| Free plan | No | No | Tie |
| Editor score | 92 | 88 | Gusto |
Choose Gusto if...
- - Small businesses with 1-100 employees running payroll for the first time
- - Companies that want payroll and benefits administration in a single platform
- - Startups and growing teams that need modern onboarding workflows
Choose Xero if...
- - Small businesses needing comprehensive accounting without complexity
- - Service-based businesses with simple inventory needs
- - Multi-entity businesses managing several companies
Is Gusto better than Xero?
It depends on your priorities. Gusto currently ranks higher overall, but both tools are competitive options.