Independent · No vendor pays for placement

Payroll software, compared honestly — prices, trade-offs and all.

We track the real prices and plan changes of the major small-business payroll providers, compare them head-to-head, and tell you who each one is actually best for — including the downsides of our own top pick.

Prices checked: October 2026 Method: How we compare → Compensation: How we make money →

Our verdicts

The short list, October 2026

Three providers cover almost every small business well. Which one is right depends on your team size and how much hand-holding you want at tax time.

#1 Pick — Best Overall

Gusto

Best for most small teams

★★★★★4.8 / 5

$49/mo + $6 per person

  • Easiest setup and cleanest interface in the category
  • Full-service tax filing on every plan
  • Benefits, time tracking and hiring tools built in
  • Price has risen several times in recent years
  • Support quality is the most common complaint
Visit Gusto

Simple plan, priced per month + per person

Best Budget Pick

Patriot Software

Best for 1–10 employees, tight budget

★★★★☆4.4 / 5

$17/mo + $4 per person

  • The lowest full-featured price in the category
  • US-based support with a strong reputation
  • Full-service tax filing upgrade is still cheap
  • Interface is functional, not beautiful
  • Fewer integrations than Gusto
Visit Patriot

Basic plan; Full Service adds tax filing

Best Flat Simplicity

OnPay

Best for farms, nonprofits & restaurants

★★★★☆4.5 / 5

$49/mo + $6 per person

  • One plan, everything included — no tiers to decode
  • Handles agricultural (943) and nonprofit filings
  • Free migration from your old provider
  • No same-day or next-day direct deposit on base
  • Smaller app ecosystem than Gusto
Visit OnPay

Single plan, all features included

How we make money: If you sign up through a link on this site, the provider may pay us a referral fee. It never changes your price, and it never buys a ranking — our methodology is public, and every pick above lists its downsides next to its strengths.

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Guides & comparisons

Why trust a small site over a giant one?

Payroll is a minor category for the big comparison sites — their pages are generic and their prices go stale. We cover only payroll, we re-check every price on this site monthly, and we stamp each page with the date we checked. When a provider raises prices, we say so — including when it's our #1 pick.

Read our full methodology →