2026 comparison

allwr vs Gusto

What Gusto does, where it shines, where it falls short and what allwr adds. Comparison for your country.

Cloud payroll and HR for US small businesses: multi-state payroll with automatic tax filing, benefits and time tracking. The payroll reference for the American SME.

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Gusto strengths

Full-service multi-state payroll with automatic IRS and state filings
Integrated benefits: health insurance, 401k, workers' comp
Polished user experience and integrations with QuickBooks and Xero
Contractor-only plan and price examples by headcount

Where it falls short

Base fee plus per-person charge with no volume discount; priority support and next-day as paid extras
US only: no European tax or payroll
No bank, invoicing, accounting or treasury: people only
Manual clock-in and no personal wealth side

Coverage by module

Module	ALL WR	Gusto
Banking and reconciliation	Included	Not included
Treasury and cash forecasting	Included	Not included
Invoicing and collections	Included	Not included
Accounting and tax	Included	Not included
Expenses and cards	Included	Not included
Suppliers and payables	Included	Not included
HR and people	Included	Included
Automatic time tracking	Included	Included
Payroll	Included	Included
CRM and customers	Included	Not included
Documents and e-signature	Included	Not included
Tasks and projects	Included	Not included
Inventory and assets	Included	Not included
Investor reporting and cap table	Included	Not included
Wealth Eye — personal wealth	Included	Not included
AI assistant and MCP server	Included	Not included

Why allwr

allwr includes 13 modules Gusto does not cover, with banking connected at the source, local compliance and one price per company, not per user.

Public information gathered in 2026-09. Trademarks belong to their owners. If you spot an error, write to us and we will fix it.

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