Gusto or Xero?

Which saas & b2b tool brand is right for you?

Gustowins 3 of 7 categories
WINNER
Gusto

Gusto

The people platform for growing businesses

4.6/5
|35,000 reviews
3
Wins
2011
Founded
mid
Price
Xero

Xero

Beautiful accounting software

4.4/5
|45,000 reviews
2
Wins
2006
Founded
mid
Price

Head-to-Head Comparison

88
Features & Functionality
88
95
Ease of Use
Gusto wins
85
85
Integrations
Xero wins
88
82
Pricing & Value
Gusto wins
78
85
Customer Support
Gusto wins
75
75
Scalability
Xero wins
82
88
Security & Compliance
88
Gusto

Gusto excels at

Ease of UsePricing & ValueCustomer Support
Xero

Xero excels at

IntegrationsScalability

Pros & Cons

Gusto

Gusto

Dead-simple payroll
Automatic tax filing
Great benefits options
Modern, clean UI
US-only payroll
Limited HRIS features
Xero

Xero

Beautiful interface
Strong bank feeds
Multi-currency support
Good app marketplace
Limited US payroll
Basic inventory

The Bottom Line

Choose Gusto if you want...

  • Small businesses (1-200)
  • First-time payroll
  • US payroll
  • Benefits administration

Choose Xero if you want...

  • Small businesses globally
  • UK/ANZ businesses
  • Clean UI lovers
  • Multi-currency needs

Our pick: Gusto — Better overall scores and stronger performance across key categories. However, Xero is the better choice if you prioritize integrations or scalability.

Real-Time Brand Data

Stock prices, reviews, sentiment & more

Gusto

Gusto

Free Trial

Try Gusto free. No credit card required.

Annual Billing Discount

20% OFF

Save up to 20% when you pay annually.

PricingFeaturesSupportAlternativesIntegration
G2
4.7293486841802395
(796)
LeaderHigh Performer
View reviews
Capterra
4.579277446671393
(935)
View reviews
TrustpilotGood
3.691752929342593
(411)
View reviews
Last updated: 2026-12-10
Xero

Xero

Free Trial

Try Xero free. No credit card required.

Annual Billing Discount

20% OFF

Save up to 20% when you pay annually.

PricingFeaturesSupportAlternativesIntegration
G2
4.5473032069669355
(1,398)
LeaderHigh Performer
View reviews
Capterra
4.39610500843256
(290)
View reviews
TrustpilotGood
4.014928265439277
(268)
View reviews
Last updated: 2026-12-10