Payroll & Accounting
SOC2 & HIPAA Ready
Updated: 2026-10-18
Gusto vs OnPay: 36-Month TCO & Seat-Scaling Calculator
Model cumulative 3-year licensing costs, 50+ seat enterprise tier jumps, and REST API rate ceilings for Two-Way Xero Accounting Sync & Automated Tax Filing.
Standalone 36-Month Procurement Model
Configure Team Headcount & Currency Mode
25 Seats
5 Seats50 Seats (Tier-Jump Threshold)125 Seats250 Seats
Gusto
$49/mo base + $6/seat
$7,164
/ 36-month cumulative TCO
Monthly Est: $199/mo • Annual: $2,388/yr
REST API Ceiling: 1000 req/min • Stack: Xero Two-Way, QuickBooks
OnPay
$40/mo base + $6/seat
$6,840
/ 36-month cumulative TCO
Monthly Est: $190/mo • Annual: $2,280/yr
REST API Ceiling: 1000 req/min • Stack: Xero Two-Way, QuickBooks
← Read Full 8-Point Gusto vs OnPay Architectural Audit
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Documentation-verified technical benchmark only. Does not constitute formal tax agent or BAS agent advice under the Australian Tax Agent Services Act 2009 (TASA) or financial product advice under the Corporations Act 2001.