Late payroll deposits carry IRS penalties up to 15%. Wrong worker classification triggers audits. Missing quarterly filings snowballs fast. The right payroll system doesn’t just save time — it keeps the IRS off your back and your employees showing up Monday morning with trust intact. Here’s who deserves a spot on your shortlist and exactly who each one is built for.
Before getting into all 14 systems, here are the answers to the questions that come up most from owners who are tired of guessing, overpaying, or getting hit with surprise IRS notices.
- 1 What is the actual monthly cost for a 10-person small business? Budget $80 to $250 per month for full-service payroll at 10 employees. That range comes from the base fee ($17–$80) plus the per-employee charge ($4–$12) multiplied by your headcount. A 10-person shop on Gusto’s Simple plan pays about $109/month. On Patriot’s full-service plan, it’s $89/month. On ADP RUN, you’d need a custom quote, but real-world costs for 10 employees typically land between $120 and $200/month depending on which features you add. Always build your estimate around your actual headcount and run frequency before comparing sticker prices.
- 2 Which payroll system handles taxes automatically so I don’t have to think about it? Gusto, OnPay, and ADP RUN all handle federal, state, and local payroll tax filing automatically on full-service plans. They calculate withholding, deposit taxes on time, file quarterly returns (Form 941), and produce W-2s and 1099s at year-end. Patriot’s basic plan calculates taxes but leaves the filing to you — you’d want their full-service upgrade at $37/month plus $4/person. Square Payroll handles multi-state tax filings automatically. What most owners miss: “automatic tax filing” needs to be verified at the plan level, not just assumed because the software markets itself as full-service.
- 3 What’s the cheapest legitimate payroll option for a very small business — say, two or three employees? Patriot Software at $37/month plus $4 per employee is the lowest full-service price among reputable providers. For three employees, that’s $49/month total. SurePayroll comes close at $19.99/month plus $4 per person for its self-service plan, though full-service tax filing adds to that. Wave Payroll offers free software with payroll running at $6 per employee (plus tax service fees), making it compelling if you’re already using Wave accounting. For just contractors — no W-2 employees — Square Payroll charges $6 per contractor per month with no base fee, which is hard to beat.
- 4 Is it really worth paying for payroll software instead of doing it in a spreadsheet? One IRS penalty for a late deposit can cost more than a year of payroll software subscriptions. A payroll deposit that’s just one to five days late triggers a 2% penalty. Six to fifteen days late: 5%. Over fifteen days: 10%. Severely delinquent deposits can hit 15%. Beyond penalties, manually calculating state and local tax withholding across changing rate tables, handling garnishments, issuing W-2s accurately, and staying current on FICA rules is a job unto itself. Most small businesses that switched to software report saving two to five hours per pay period — time that almost always costs more than the software itself.
- 5 I already use QuickBooks for accounting — should I just use QuickBooks Payroll? It’s often the most frictionless choice if QuickBooks is already your accounting system, but not automatically the best value. QuickBooks Payroll Core starts at $45/month plus $5/employee and syncs natively with your books — no exports, no reconciliation headaches. But it’s worth comparing the total annual cost against Gusto or OnPay, which both integrate cleanly with QuickBooks while sometimes offering better HR features at a similar price. The decision comes down to how much you value native integration versus feature breadth and support quality.
- 6 What do most small business owners regret about their payroll software choice? Three things come up consistently: annual contracts with termination fees, surprise multi-state filing surcharges, and paying for HR features they never use. Some legacy providers — particularly ADP and Paychex in certain configurations — lock customers into year-long agreements with early termination fees that can reach $1,500. Platforms like Patriot and some SurePayroll plans charge extra for each additional state. And many owners sign up for a mid-tier plan with benefits administration tools they never configure. Start with the minimum viable plan and upgrade from a position of knowledge, not assumption.
- 7 Which payroll software has the best customer support when something goes wrong on payday? ADP RUN and Paychex offer live support 24/7, which matters when a payroll run fails at 11 PM the night before direct deposits are due. OnPay consistently earns the highest support ratings among transparent-pricing platforms — users routinely describe reaching a real person quickly. Gusto’s support is rated well for routine issues but has drawn criticism for response times during complex problems. QuickBooks Payroll’s support is frequently described as inconsistent. If guaranteed access to a live human is a dealbreaker, ADP’s 24/7 phone support is genuinely valuable — it’s one of the few things that justifies the higher price for smaller teams.
These five platforms handle the full payroll stack — automated tax filing, direct deposit, year-end forms — and are the most commonly recommended starting points for businesses with one to 100 employees.
Gusto has held the top position in most independent small business payroll rankings for three consecutive years — and the reasons aren’t hard to find. Automatic tax filing at every level (federal, state, local), unlimited payroll runs, direct deposit, W-2s, 1099s, new-hire state reporting, and a self-service employee portal are all included in the base plan. No surprise add-ons for things that should be standard. The interface is the most intuitive in the category — reviewers consistently use the word “modern” in contrast to older platforms. Benefits administration (health insurance in 38 states, 401(k) in all 50) is layered on cleanly if you need it. Gusto doesn’t charge extra for multi-state payroll, which matters the moment you hire someone two states away.
Where Gusto falls short: customer support during complex issues can be slow, and the per-employee cost at the Plus and Premium tiers adds up quickly for businesses with 20+ employees. G2 ranked Gusto the best payroll software in its Summer 2026 index. For most businesses with one to 30 employees who want everything in one place without a sales call, this is the default recommendation.
G2 named OnPay the #1 payroll platform in its Summer 2026 Results Index, which surprised nobody who has actually used their support line. OnPay’s pricing philosophy is straightforward: one price that includes everything — multi-state filing, garnishment processing, W-2 and 1099 forms, industry-specific payroll for restaurants, farms, nonprofits, churches, healthcare, and more. What Gusto charges add-ons for, OnPay bundles. Garnishment processing alone requires a plan upgrade at Paychex — OnPay includes it at the base rate. For nonprofits, OnPay handles FUTA exemptions; for churches, FICA exemptions. No other platform on this list matches that depth of industry-specific accommodation at a single flat price.
The knock on OnPay: it lacks a dedicated mobile app (the web experience is mobile-responsive but not app-native), and HR features are more limited than Gusto’s if you want onboarding workflows and benefits administration built in. If support quality and pricing predictability matter most, OnPay is frequently the better choice over Gusto despite the nearly identical starting price.
ADP is the largest payroll company in the United States, and RUN is their platform built specifically for small to mid-size businesses. The main reason to pay ADP’s premium over transparent-pricing competitors is 24/7 live phone support and a compliance track record that comes from processing payroll for millions of businesses across every state and industry. If you have a problem at 11 PM the night before payday, ADP will answer the phone. That’s not guaranteed with Gusto or OnPay. ADP also offers the clearest path to a more sophisticated HR platform as you grow — you can graduate from RUN to ADP Workforce Now without migrating your data or retraining your team.
The honest tradeoffs: ADP does not publish pricing. You need to call a salesperson, and real-world costs for small businesses typically run 20–40% higher than transparent-pricing competitors. Time tracking, HR Pro features, workers’ comp, and retirement plan access are priced as add-ons that stack quickly. Some reviews flag the interface as dated compared to Gusto’s. Three months free is a frequently offered promotion — don’t sign anything without asking for it. If you can afford the premium and want the security of a proven infrastructure, ADP is a defensible choice.
Paychex and ADP are the two giants of small business payroll, and they differ in how they structure service. Where ADP leans on technology and 24/7 support infrastructure, Paychex emphasizes dedicated account representatives — real people assigned to your account who know your business. For traditional businesses in regulated industries (construction, healthcare, hospitality) that prefer a relationship-based service model over a self-service app, Paychex hits differently. Their HR features are genuinely deep across all plan tiers. Paychex Flex targets the one-to-200 employee segment specifically and offers state new-hire reporting, labor law compliance updates, and garnishment processing as standard features.
The structural concern: Paychex charges per payroll run rather than a flat monthly rate. A business running weekly payroll pays four times per month in processing fees — a cost model that becomes significantly more expensive than unlimited-run competitors like Gusto or OnPay at the same headcount. This pricing structure is the single biggest reason businesses that do frequent payroll runs choose someone else. Get a side-by-side annual cost estimate using your actual pay frequency before committing.
The case for QuickBooks Payroll is almost entirely built on one thing: if you’re already using QuickBooks Online for your accounting, payroll syncs natively with zero effort. Wage expenses, payroll liabilities, tax payments, and journal entries flow directly into your books without any export, import, or reconciliation step. For bookkeepers and accountants who live in QuickBooks, this native connection has genuine daily-workflow value. Same-day direct deposit is available on Premium and Elite tiers. Automated tax filing is standard across all paid tiers. The Elite plan includes tax penalty protection — QuickBooks will cover IRS penalties caused by a calculation error on their end, up to $25,000.
The honest critique: QuickBooks Payroll charges extra for employees in more than one state on the Core and Premium plans. Multi-state fees add up quickly for businesses that have hired remotely. Customer support is the most consistently criticized aspect of the product — response times and issue resolution quality trail competitors at the same price point. Reviews on G2 and Capterra frequently describe support as “hit or miss.” If you’re not anchored to the QuickBooks ecosystem, Gusto or OnPay typically offer a better support experience at a similar price.
These platforms sacrifice some feature depth for price — the right call for lean operations that don’t need HR tools, benefits administration, or complex compliance management.
Patriot Software consistently appears at the bottom of the price comparison for legitimate full-service payroll — $37/month plus $4 per employee means a three-person business pays $49/month for automated tax filing, direct deposit, and W-2s. U.S.-based customer support is included at no extra charge, which distinguishes it from several competitors that reserve phone support for premium tiers. Patriot integrates with QuickBooks and its own Patriot Accounting product. Unlimited payroll runs are included, and the interface is simple enough to learn in an afternoon.
The caveats matter: Patriot charges extra for multi-state payroll (each additional state adds to the cost), and HR features that Gusto and OnPay include for free — like state new-hire reporting — are add-ons. If you have employees in multiple states or expect to grow past 20 people quickly, price the full package before assuming Patriot will stay the cheapest. It’s best for single-state businesses with stable, uncomplicated payroll that want solid tax compliance at the lowest realistic price.
SurePayroll is a Paychex subsidiary and serves the smallest end of the small business market — including household employers (nannies, caregivers, housekeepers) who need payroll and need to comply with household employment tax rules. For a household employer running payroll for one or two domestic workers, SurePayroll is one of the very few platforms built specifically for that situation. For traditional small businesses, SurePayroll competes on price: the full-service plan at $29.99/month plus $5/person includes automated tax filing and direct deposit. The trade-off is less HR functionality than Gusto or OnPay, and customer support hours are more limited than competitors.
Square Payroll’s value is almost entirely about ecosystem fit. If your business runs a Square point-of-sale system — a coffee shop, boutique, food truck, salon — Square Payroll connects directly to your sales, tip, and time data without any bridging software or manual entry. Hours flow from Square Team app into payroll automatically. Tips are calculated and distributed correctly. Multi-state tax filings are handled automatically. Forbes Advisor rates Square the best payroll option for contractor-only businesses: $6 per contractor per month with no base fee, and 1099s included at year-end. If you only pay contractors, there is no cheaper fully-managed payroll product in this review.
Wave offers free accounting software, and Wave Payroll sits alongside it as a simple, affordable add-on for very small operations — freelancers, solopreneurs with one part-time helper, micro-businesses that already love Wave’s free bookkeeping. In 14 states where Wave offers full tax service, automated tax filing is included. In remaining states, you calculate and file yourself with Wave providing the numbers. The payroll ledger syncs automatically with Wave’s accounting, which matters when your accounting is already free. Wave won’t satisfy any business that needs HR tools, benefits, or a mobile-first experience — it’s a focused, affordable option for the smallest possible payroll operations.
Roll by ADP is ADP’s answer to the question “what if payroll were a mobile app you run from a chat interface?” You type commands like “run payroll” or “give Sarah a $200 bonus,” and the system handles the rest. It’s genuinely faster for simple payroll runs than any browser-based competitor, and the 24/7 chat support means you’re never alone on payday regardless of the hour. At $39/month plus $5 per employee, Roll undercuts standard ADP RUN pricing significantly while keeping ADP’s tax compliance infrastructure underneath. Benefits administration is available at all tiers. Next-day direct deposit is standard; same-day is available at the Premium level.
These four serve specific situations that the mainstream options don’t address well — global teams, rapid growth, PEO services, or contractor-heavy workforces.
Rippling is what payroll looks like when it’s embedded into a broader HR and IT management platform. Onboarding a new employee takes 90 seconds: payroll, health benefits, laptop provisioning, software access, and Slack invite all happen simultaneously through a single workflow. 650+ native integrations, support for international payroll in 50+ countries, and automated workflows that reduce manual HR work to near-zero make Rippling the strongest platform for technology companies and fast-growing businesses. G2 and Capterra consistently rank it highest among businesses with 51 to 1,000 employees. The tradeoffs: pricing is modular and opaque, the learning curve is real, and smaller businesses often struggle to justify the cost-to-value ratio against simpler tools. Best reserved for companies with genuine automation needs, not just “nice to have” complexity.
If you have contractors or employees in other countries, the domestic payroll platforms on this list mostly stop at the U.S. border. Deel was built specifically to solve international payroll complexity — it handles payments in 130+ countries using local payment rails, foreign exchange conversions, and country-specific compliance in a single dashboard. For a U.S. small business hiring a remote software developer in Poland, a designer in Brazil, or a customer service rep in the Philippines, Deel removes the complexity that would otherwise require country-specific legal entities or PEO arrangements. U.S. domestic payroll at $29 per employee per month is competitive, but the global contractor capability is what sets Deel apart from everything else on this list.
Justworks operates as a PEO — Professional Employer Organization — which means your employees are technically co-employed by Justworks, giving you access to large-company health insurance rates, 401(k) options, and workers’ compensation coverage that a 10-person business could never access independently. Forbes Advisor named Justworks the best payroll service for compliance, specifically because multi-state tax filings and international contractor payments are handled at no additional cost. When federal or state regulations change, Justworks flags the changes proactively. The tradeoff is price: at roughly $59–$99 per person per month, Justworks costs four to six times more per employee than Gusto or OnPay. That premium only makes sense if the access to group benefits and compliance outsourcing genuinely saves your business money or risk exposure.
Homebase is a scheduling and time tracking tool for hourly teams — restaurants, retail, salons, home services, and any business that runs shifts. The payroll module sits inside that broader workforce management platform. If your payroll errors start at the time clock — punches that don’t match schedules, overtime miscalculations, tip pooling mistakes — Homebase fixes the root cause rather than trying to reconcile bad time data at payroll processing time. Scheduled hours, clock-in/clock-out records, overtime calculations, and break compliance all feed directly into payroll without any manual transfer. For shift-based businesses that already use Homebase for scheduling, adding payroll is a natural extension. For businesses that don’t run shifts or hourly workers, it’s a less obvious fit.
Key criteria for all 14, condensed for quick scanning. Green indicates an advantage in that category; amber a notable caveat; red a limitation.
| # | System | Starting Price | Auto Tax Filing | Multi-State | HR Features | Contract? | Best For |
|---|---|---|---|---|---|---|---|
| 1 | Gusto Best Overall | $49 + $6/person | Yes — all plans | Included | Strong (all tiers) | No contract | Most small businesses |
| 2 | OnPay Best Support | $49 + $6/person | Yes — all-inclusive | No surcharge | Good, less than Gusto | No contract | Nonprofits, farms, value-seekers |
| 3 | ADP RUN | Quote required (~$79+) | Yes | Yes | Add-ons required | Can lock in annual | Compliance-first, 24/7 support needed |
| 4 | Paychex Flex | Quote required | Yes | Yes | Deep HR | Can lock in annual | Traditional businesses, dedicated rep |
| 5 | QuickBooks Payroll | $45 + $5/person | Yes | Extra fee on Core | Moderate | No contract | Existing QuickBooks users |
| 6 | Patriot Lowest Price | $37 + $4/person | Full-service plan | Per-state surcharge | Limited | No contract | Single-state, budget-first |
| 7 | SurePayroll | $19.99 + $4/person | Full-service plan only | Limited | Basic only | No contract | Tiny teams, household employers |
| 8 | Square Payroll | $35 + $6/person ($6/contractor only) | Yes — multi-state | Automatic | Minimal | No contract | Square POS users, contractor-only |
| 9 | Wave Payroll | $6/person + $20 base (tax states) | 14 states only | Self-service elsewhere | Very limited | No contract | Wave accounting users, micro teams |
| 10 | Roll by ADP | $39 + $5/person | Yes | Yes | Basic | No contract | Mobile-first owners, simple payroll |
| 11 | Rippling Best Automation | ~$8/person + modules | Yes + international | Yes | Deepest on list | Varies by module | Fast-growing tech teams |
| 12 | Deel | $29/person U.S. · $49 global contractor | Yes + 130 countries | Global | Moderate | No contract | International contractors and teams |
| 13 | Justworks Best Compliance | ~$59–$99/person | Yes + multi-state | Included | Full PEO | Varies | Compliance-first, benefits access |
| 14 | Homebase Payroll | Add-on to Homebase plans | Yes | Varies | Scheduling-focused | No contract | Shift workers, restaurants, retail |
All pricing approximate based on publicly available list prices as of July 2026. Actual costs vary by plan tier, state, employee count, and add-ons selected. Verify directly with each provider before purchasing. Quote-based providers (ADP, Paychex) require sales contact for current rates.
The right payroll platform isn’t the same for every business. Here’s the direct answer for the situations most small business owners are actually in.
Start with Patriot Software’s full-service plan at $37/month plus $4 per person. For five employees, you’re paying $57/month for automated federal and state tax filing, direct deposit, and year-end W-2s. U.S.-based phone support is included. If you also want a clean HR layer — employee onboarding, PTO tracking, and direct QuickBooks integration with no friction — spend the extra $12/month base and go with Gusto Simple instead. Both are no-contract. The decision comes down to whether you want payroll alone (Patriot wins on price) or payroll plus basic HR in one interface (Gusto wins on completeness).
Multi-state payroll is where the pricing differences between platforms become real money. Gusto and OnPay include multi-state filing with no per-state surcharge at the same base price. Patriot and QuickBooks Payroll Core charge extra per state. Run the annual math: if you have employees in four states, OnPay’s flat $49/month plus $6/person beats any platform with $10–$15 per additional state tacked on. Either Gusto or OnPay handles remote team payroll cleanly — the tiebreaker is whether you value Gusto’s richer HR features or OnPay’s simpler setup and stronger support scores.
Homebase Payroll plus the Homebase scheduling platform is the strongest combination here — tips, overtime, and hours flow from the floor directly into payroll without manual reconciliation. Square Payroll is a strong second if you’re already running a Square POS. Both handle the tip credit calculations, FICA tip credits, and overtime rules that trip up generic payroll platforms when applied to tipped hourly workers. If you want deeper compliance support and benefits, Gusto handles restaurant payroll competently — it just requires more manual time data entry unless you’ve integrated a time tracking tool.
Deel is the clearest answer for international contractor payments at any scale. At $49 per contractor per month, it handles local payment rails, currency conversion, country-specific tax documents, and compliance without requiring you to set up legal entities in every country you hire from. If you’re paying contractors in multiple countries and also have U.S. W-2 employees, Deel’s U.S. payroll at $29/person/month runs both tracks within one dashboard. Rippling is a strong alternative if you also want to manage device provisioning and software access alongside international payroll — but costs more and requires more setup time.
Gusto scales cleanly from five to about 100 employees before the per-person cost starts to feel steep relative to enterprise alternatives. Beyond that, Rippling is specifically designed for the company that wants to manage payroll, HR, IT, and benefits from one system without piecing together integrations. If compliance at scale is your primary concern and you can absorb the cost, Justworks provides enterprise-grade compliance with group benefit access that becomes more valuable as headcount grows. Whatever you choose, verify the contract terms before signing — annual lock-in from platforms like ADP or Paychex can be an expensive lesson when you want to change platforms 18 months in.
Yes — legally, if you pay a household employee $2,700 or more in a calendar year, you’re required to withhold and pay FICA taxes, file Schedule H with your personal tax return, and potentially pay unemployment taxes. Failure to comply is a tax issue that follows you, not the employee. SurePayroll’s household plan is built specifically for this situation and is the most targeted solution. It handles the nanny tax calculations, quarterly deposits, and year-end forms that a generic payroll platform applies clumsily to household employment. The cost is low, the compliance protection is real, and it removes the only technically defensible argument for dealing with household employment manually.
These are the mistakes that cost people money every year and the moves that don’t.
A platform that advertises $19.99/month can easily become $90/month once you add multi-state filing, the full-service tax upgrade, time tracking, and year-end form processing. Always build a twelve-month cost estimate using your actual headcount, pay frequency, number of states, and the specific features you’ll use. A $49/month flat-rate platform often beats a $17/month base-rate platform by the time all add-ons are totaled. Ask each provider for an all-in annual cost estimate before signing anything.
Most transparent-pricing platforms — Gusto, OnPay, Patriot, Square — are month-to-month by default. ADP and Paychex sometimes offer incentives to sign annual agreements. Termination fees on annual contracts can reach $1,500 or more. Don’t commit until you’ve run several payrolls and confirmed the platform handles your specific situation correctly. Promotions like “three months free” are worth taking, but read the terms to confirm they don’t require an annual contract as a condition.
ADP and Paychex both use sales-based pricing models, which means the quoted price is a starting point, not a fixed rate. Competitive quotes from Gusto or OnPay are the best leverage — print them out and share them with the ADP or Paychex sales representative. Three months free, discounted first-year rates, and waived setup fees are all common outcomes when a salesperson knows you have a comparable alternative in hand. This doesn’t work with transparent-pricing platforms (Gusto, OnPay, Patriot publish their rates), but it’s standard practice with legacy providers.
The IRS has significantly increased automated scrutiny of worker classification since 2025. Classifying a W-2 employee as an independent contractor to avoid payroll taxes is one of the most common triggers for IRS audits of small businesses, and the back-taxes, interest, and penalties can be catastrophic. Most payroll platforms include classification guidance, but they can’t make the decision for you. If you’re unsure whether someone you pay is an employee or a contractor, consult an employment attorney or accountant before processing a single paycheck. The IRS’s own “ABC test” guidance is publicly available and worth reading before making that call.
Yes — but the migration process is less seamless than switching accounting software. Most payroll providers will import your historical payroll data (year-to-date wages, tax withholding, and W-2 information) if you provide them with exports from your current system. The timing matters: mid-year switches are more complex than January 1 switches because mid-year data must be accurately imported to ensure year-end W-2s are correct. Some providers offer free migration assistance; others charge. If you’re switching mid-year, verify that the new platform can import your current-year payroll data in the format your old platform exports it, before you sign anything.
Full-service payroll means the software calculates, withholds, deposits, and files your federal and state payroll taxes on your behalf. You don’t have to make tax deposits manually or file Form 941 yourself. Self-service payroll means the software calculates how much tax you owe, but you are responsible for making the deposits and filing the returns yourself. For most small business owners, full-service is worth the slightly higher price — manual tax deposits are where timing errors happen, and one late deposit can trigger IRS penalties that dwarf the cost difference between plans. Always confirm whether full-service tax filing is included in the specific plan tier you’re purchasing, not just offered as an upgrade.
Transparent-pricing platforms like Gusto and OnPay are designed to get you processing your first payroll within hours if you have your business information organized. You’ll need your EIN, state tax account numbers, employee details (Social Security numbers, withholding forms, bank account info for direct deposit), and prior payroll history if you’re switching mid-year. ADP and Paychex implementations are typically more involved and can take two to four weeks because they involve account setup through a sales representative and data migration support. If you’re switching providers and payday is approaching, start the process at least three weeks out to avoid running a payroll mid-transition.
Yes — the compliance obligations are the same whether you have one employee or fifty. Federal and state income tax withholding, FICA (Social Security and Medicare) deposits, Form 941 quarterly filings, and year-end W-2 issuance are all required for a single W-2 employee. The question isn’t whether you need compliant payroll — it’s whether a software platform is cheaper than a CPA handling it manually. For one employee, Patriot at $41/month (full-service, one person) is almost always cheaper than monthly CPA payroll services, which typically run $50–$150/month depending on location and complexity. For a single employee, even the cheapest legitimate payroll platform pays for itself.
Most leading platforms include some form of error protection, but the terms vary significantly. Gusto’s Simple plan includes accuracy guarantees with reimbursement for penalties caused by their calculation errors. QuickBooks Payroll Elite includes tax penalty protection up to $25,000. ADP and Paychex typically have penalty indemnification provisions in their service agreements. The critical detail: these protections usually apply only to errors the software made — not errors that resulted from incorrect information you provided (wrong withholding allowances, wrong state tax codes, misclassified workers). Read the protection terms before assuming you’re fully covered, and keep your employee data current in the system to ensure the protection is valid when you need it.
This page is for general informational and educational purposes only. Payroll software pricing, features, and plan availability change frequently. All prices shown are approximate published list prices as of July 2026 and do not include applicable taxes, add-ons, or promotional adjustments. Quote-based providers (ADP, Paychex, Rippling, Justworks) require direct contact for current pricing. Always verify current rates and terms with each provider before purchasing. Nothing on this page constitutes legal, tax, or accounting advice — consult a qualified professional for your specific payroll and tax compliance obligations. BudgetSeniors.com™