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Xero vs Gusto Comparison

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Overview

Category Leaders

Xero is a cloud-based small business accounting software with tools for managing invoicing, bank reconciliation, inventory,...

Category Leaders

Gusto smoothly integrates HR, payroll, health benefits, employee onboarding, workers' compensation insurance and automated...

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Screenshots

Pricing

Starting from
$

13.50

/momonth
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based
Starting from
$

45

/momonth
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based

User reviews

4.3

5

4

3

2

1

1,141

530

177

54

73

  • Value for money
  • Ease of use
  • Features
  • Customer support
92%
would recommend this app

5

4

3

2

1

2,195

568

106

22

34

  • Value for money
  • Ease of use
  • Features
  • Customer support
96%
would recommend this app

Pros

The ease of use and reputation are by far the greatest part of this product. In addition to this, the range of potential integrations is fantastic.
I love the app and gives me accounting on the go. Helps me track invoices and profits with ease.
Really easy to submit expenses, categorise them and check the progress of you submitted expense - super easy to do all from the app.

Pros

Huge kudos to the developers, this is an absolute wonderful tool to keep up with employees, onboarding processes and training materials (time tracking).
Gusto has a great interface that is easy and intuitive to use and they also have fantastic support.
Its super simple to use and easy to get around to the information i'm looking for. I really like the fun things they send when you get paid.

Cons

There are no delivery notes/packing slips. They tout a "workaround" but be warned, it's exactly 10 extra clicks so it's really not an option if you need this feature.
Our main complaint is that Xero stopped doing payroll in 2018, so now you have to pay an additional fee to a payroll processor such as Gusto.
Changing accounting software from Xero is a horrible experience. They make it very difficult to pivot to other software.

Cons

Tax calculations and deductions for each employee is difficult to achieve with the software. Leave management is restricted to admininistrator alone.
I now use a different service because I was tired of the lack of organization in this regard, and the implication that by expecting more, I was being unreasonable.
My biggest frustration is inability to sign documents. I still have to use Docusign then upload the documentation into the individual profiles instead of kicking it off directly during onboarding.
  • Vendor responds to reviews
  • Last review8 days ago
  • Vendor responds to reviews
  • Last review6 days ago

Key features

  • Total features169
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Assignment Management
  • Attendance Tracking
  • Audit Trail
  • Automated Quoting
  • Automated Scheduling
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Administration Outsourcing
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • COBRA Administration
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Charting
  • Chat/Messaging
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collaboration Tools
  • Collections Management
  • Compensation Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Contractor Management
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Segmentation
  • Customer Statements
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Deduction Management
  • Depreciation Management
  • Digital Signature
  • Direct Deposit
  • Disability Insurance Administration
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • E-Verify/I-9 Forms
  • Electronic Forms
  • Electronic Payments
  • Email Management
  • Email Templates
  • Employee Benefits Administration
  • Employee Database
  • Employee Handbook
  • Employee Management
  • Employee Onboarding
  • Employee Portal
  • Employee Profiles
  • Employee Self Service
  • Employee Time Tracking
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Goal Setting / Tracking
  • HIPAA Compliant
  • HR Management
  • HSA/FSA Administration
  • Health Insurance Administration
  • Hourly Billing
  • Income & Balance Sheet
  • Interaction Tracking
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Leave Tracking
  • Life Insurance Administration
  • Match & Merge
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Onboarding
  • Online Benefits Enrollment
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Organizational Charting
  • Orientation Workflow Management
  • Overpayment Processing
  • Overrun Reporting
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Point of Sale (POS)
  • Price / Margin Management
  • Pricing Management
  • Product Configurator
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Purchase Order Management
  • Purchasing & Receiving
  • QuickBooks Integration
  • Quotes/Estimates
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Reorder Management
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Retirement Plan Management
  • Revenue Recognition
  • SSL Security
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Self Service Portal
  • Self-Enrollment
  • Shipping Management
  • Sick Leave Tracking
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Surveys & Feedback
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Off Management
  • Time Off Requests
  • Time Tracking
  • Training Management
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Total features64
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Assignment Management
  • Attendance Tracking
  • Audit Trail
  • Automated Quoting
  • Automated Scheduling
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Administration Outsourcing
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • COBRA Administration
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Charting
  • Chat/Messaging
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collaboration Tools
  • Collections Management
  • Compensation Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Contractor Management
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Segmentation
  • Customer Statements
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Deduction Management
  • Depreciation Management
  • Digital Signature
  • Direct Deposit
  • Disability Insurance Administration
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • E-Verify/I-9 Forms
  • Electronic Forms
  • Electronic Payments
  • Email Management
  • Email Templates
  • Employee Benefits Administration
  • Employee Database
  • Employee Handbook
  • Employee Management
  • Employee Onboarding
  • Employee Portal
  • Employee Profiles
  • Employee Self Service
  • Employee Time Tracking
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Goal Setting / Tracking
  • HIPAA Compliant
  • HR Management
  • HSA/FSA Administration
  • Health Insurance Administration
  • Hourly Billing
  • Income & Balance Sheet
  • Interaction Tracking
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Leave Tracking
  • Life Insurance Administration
  • Match & Merge
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Onboarding
  • Online Benefits Enrollment
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Organizational Charting
  • Orientation Workflow Management
  • Overpayment Processing
  • Overrun Reporting
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Point of Sale (POS)
  • Price / Margin Management
  • Pricing Management
  • Product Configurator
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Purchase Order Management
  • Purchasing & Receiving
  • QuickBooks Integration
  • Quotes/Estimates
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Reorder Management
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Retirement Plan Management
  • Revenue Recognition
  • SSL Security
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Self Service Portal
  • Self-Enrollment
  • Shipping Management
  • Sick Leave Tracking
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Surveys & Feedback
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Off Management
  • Time Off Requests
  • Time Tracking
  • Training Management
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management

Integrations

  • Total integrations956
  • Authorize.net
  • Dynamics 365
  • FreshBooks
  • Magento Commerce
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal
  • QuickBooks Online
  • QuickBooks Online Advanced
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Workato
  • Xero
  • Zapier
  • Total integrations82
  • Authorize.net
  • Dynamics 365
  • FreshBooks
  • Magento Commerce
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal