Gusto vs Substack
A detailed comparison of Gusto and Substack in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Gusto
Payroll, benefits, and HR for small businesses
Gusto is a financial and accounting service that provides payroll, benefits, and hr for small businesses. Founded in 2011 and headquartered in San Francisco, California, Gusto offers 3 pricing plans. Plans start from $40/month. Key features include Payroll, Benefits admin, Time tracking, Hiring. Gusto is a popular choice for users looking for quality finance subscriptions.
Substack
Platform for independent newsletter writers
Substack is a news and media service that provides platform for independent newsletter writers. Founded in 2017 and headquartered in San Francisco, California, Substack offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Newsletter platform, Podcasts, Chat, Notes. Substack is a popular choice for users looking for quality news subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Gusto | Substack |
|---|---|---|
| Starting Price | $40/mo | Free |
| Plans Available | 3 | 2 |
| Year Founded | 2011 | 2017 |
| Headquarters | San Francisco, California | San Francisco, California |
| Payroll | ||
| Benefits admin | ||
| Time tracking | ||
| Hiring | ||
| Tax filing | ||
| Workers comp | ||
| Newsletter platform | ||
| Podcasts | ||
| Chat | ||
| Notes | ||
| Community | ||
| Monetization |
Pricing Comparison
Compare all available plans and pricing tiers
Gusto Pricing
Substack Pricing
Frequently Asked Questions
Is Gusto or Substack better in 2026?
Both Gusto and Substack are excellent finance services. Gusto offers Payroll and Benefits admin, while Substack features Newsletter platform and Podcasts. The best choice depends on your specific needs and budget.
How much does Gusto cost compared to Substack?
Gusto starts at $40/month, while Substack starts at $Free/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Gusto and Substack subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Gusto and Substack. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Gusto, Substack, or both — track all your subscriptions in one place with smart alerts and analytics.