Gusto vs Xero
A detailed comparison of Gusto and Xero 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.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Gusto | Xero |
|---|---|---|
| Starting Price | $40/mo | $13/mo |
| Plans Available | 3 | 3 |
| Year Founded | 2011 | 2006 |
| Headquarters | San Francisco, California | Wellington, New Zealand |
| Payroll | ||
| Benefits admin | ||
| Time tracking | ||
| Hiring | ||
| Tax filing | ||
| Workers comp | ||
| Bank reconciliation | ||
| Invoicing | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Gusto Pricing
Xero Pricing
Frequently Asked Questions
Is Gusto or Xero better in 2026?
Both Gusto and Xero are excellent finance services. Gusto offers Payroll and Benefits admin, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Gusto cost compared to Xero?
Gusto starts at $40/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Gusto and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Gusto and Xero. 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, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.