Gusto versus Agaro, honestly
Gusto is a specialist: it files and pays federal, state, and local payroll taxes for you in every state. If that full service is what you need most, Gusto is a strong choice, and you can keep it and still run the rest of the business in Agaro, which can read your Gusto company, employees, and payroll reports.
Agaro is for companies that want payroll on the same record as everything else. Contracts, attendance, and approved overtime feed the payroll register directly, the finalized run posts to the general ledger, and employees use free accounts for time off and payslips. Essentials is $29 per full user per month with every module and role-based access with 5 fixed roles. Scale is $49 and adds full role-based and attribute-based access control (custom access groups, record rules, and field-level security), AI agents, API and MCP access, and multi-company. Employee accounts for clocking in, time off, and payslips are free, and payroll includes the first 10 employees each month, then $4 per employee.