Gusto vs Navan
Compare Gusto and Navan on features, pricing, and buyer fit using the same researched criteria.
Gusto
US SMB payroll + benefits + light HR — Simple from $49/mo + $6/person; Plus $80 + $12; Premium $180 + $22.
Best for
- • US small businesses running payroll (and benefits) for the first time
- • Teams that want published month-to-month pricing instead of HCM quotes
- • Single-state companies that can start on Simple and upgrade for multi-state
Starting from $49.00/user/mo
No free plan
VS
Our verdict
No universal winner. Choose based on which criteria matter most for your team.
Navan is better for
- ✓ Integrations
Choose Gusto if: US small businesses running payroll (and benefits) for the first time
Choose Navan if: Mid-market and enterprise teams with frequent business travel
Navan
Corporate travel and expense management — affiliate partner mapped to HR / finance ops.
Best for
- • Mid-market and enterprise teams with frequent business travel
- • Finance + HR ops wanting unified T&E policy and booking
- • Companies outgrowing ad-hoc expense spreadsheets
No free plan
Gusto vs Navan pricing
Gusto researched starting price from $49/mo. Navan starting price was not verified in current research — confirm on the vendor pricing page. Affiliate economics excluded.
Gusto
From $49.00/user/mo
Navan
See plans
Gusto
Starting from $49.00/user/mo
Free trial available
- SimplePopular$49.00/mo
- $49/mo platform + $6/person. Single-state US payroll. Time/performance/many benefits features are add-ons.
- Plus$80.00/mo
- $80/mo + $12/person. Multi-state payroll path versus Simple.
- Premium$180.00/mo
- $180/mo + $22/person. Highest published SMB payroll+HR bundle.
- Contractor Only$35.00/mo
- $35/mo + $6/contractor after promo; first 6 months $0 base advertised. Not employee payroll.
Navan
Starting price not evidenced
Free trial available
- EnterpriseCustom
- Contact sales for published Navan pricing — confirm live tiers on the vendor site.
Estimate your team cost
Monthly estimate from verified per-seat list pricing. Confirm on the vendor site before purchasing.
Gusto
$735.00/mo
Verified monthly unit prices · Aug 18, 2026
Prices in USD
Shown per user / month from verified list pricing.
Plans can change
Confirm live vendor rates before purchasing.
Add-ons may apply
Calling, SMS, or usage fees can add cost.
Independence
Affiliate status never changes pricing outcomes.
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