Gusto is a small-business payroll, benefits, and HR platform for SMBs, accountants, and franchise operators that automates federal, state, and local payroll filings while bundling health insurance, 401(k), and time tracking. Marketed as small business payroll and HR software, Gusto combines unlimited payroll runs, automatic tax filings, contractor payments, integrated health benefits across all 50 states, retirement plans, time tracking, employee onboarding, and workers compensation through Next Insurance. Gusto is a strong fit for first-time employers running payroll, accounting firms moving clients off ADP and Paychex, and multi-state SMBs that want automated tax compliance without paying enterprise prices.