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PAYROLL & HR · MIGRATION GUIDE

Switching from OnPay to Gusto

Gusto has no OnPay importer. Export payroll history and re-enter employee details; the entry price is identical, so this move is about features, not cost.

Jump to migration steps Read the full comparison
By Bill Belcamino · Last updated September 23, 2026 · Our methodologyResearched and fact-checked by the HelpCompare team
Switching from OnPay to GustoVerified Sep 23, 2026

Quick verdict: Move to Gusto if you want more HR bundled into a single tier (Plus or Premium) rather than adding OnPay’s itemized add-ons one at a time, or prefer a more established brand.

Estimate · your inputs

Switching Cost & Friction Estimator

Most buyers only budget for the new subscription. This estimates the hidden labor, data-cleanup, and retraining cost of actually making the switch.

25,000
10

Estimate assumes: 1 hour of data-mapping/cleaning labor per 2,000 records, a blended $75/hr ops rate, tiered migration & cleaning tooling fees, and 4 hours of retraining per seat at a $45/hr fully-loaded rate.

Estimated Migration Time —
Data Friction Rating —
Total Hidden Switching Cost $0

    Why teams move from OnPay to Gusto

    Bundled HR tiers

    Plus and Premium add more HR features at once.

    Established brand

    Larger user base and integration ecosystem.

    Time tracking bundled

    Included from Plus, not a separate add-on.

    How the migration actually works

    Gusto’s bundled tiers can cost more than itemizing the same features on OnPay, and it offers no free trial, only free setup.

    StepWhat you do
    1Gather payroll and tax recordsExport year-to-date payroll reports, tax filings and employee records from the old provider.
    2Sign up for GustoCreate your Gusto account and choose Simple, Plus or Premium based on the HR features you need.
    3Rebuild your pay schedule and deductionsRecreate your pay schedule, benefit deductions and any custom earnings or deduction types in the new tool.
    4Re-enter employee and contractor detailsAdd bank details, tax withholding elections and pay rates for each worker — sensitive data that never transfers automatically.
    5Run a parallel test payrollRun one payroll cycle in the new tool alongside the old one to confirm the numbers match before fully switching.
    6Cancel the old planOnce a real payroll cycle has run cleanly in the new tool, cancel the old subscription.

    What this path doesn’t do for you:

    OnPay’s itemized add-on pricing has no direct Gusto equivalent — Gusto bundles HR depth into its Plus and Premium tiers rather than pricing each feature separately.

    Pricing side by side

    PlanOnPayGusto
    Pricing basisFlat base + per-workerFlat base + per-person
    Entry price$49 base + $6/worker/mo$49 base + $6/person/mo (Simple)
    HR add-on$15 base + $2/workerFrom Plus ($80 + $12/person)
    Time tracking add-on$15 base + $4/workerFrom Plus
    Free trialFirst month freeNo, free setup only

    Prices checked on each vendor’s pricing page on September 23, 2026.

    Feature parity check

    CapabilityOnPayGusto
    Entry price$49 + $6/worker$49 + $6/person (Simple)
    HR depthItemized add-onsBundled into Plus/Premium
    Free trialFirst month freeNo, free setup only

    Going the other direction, or want the full comparison first?

    Read the OnPay vs Gusto comparison Switching from Gusto to OnPay instead?

    Frequently Asked Questions

    Does Gusto import OnPay data?

    No. Export payroll history and re-enter employee and tax details.

    Will it cost more?

    At the entry tier, no — both are $49 + $6/head. It depends which add-ons or bundled tier you actually need.

    Do I keep a free trial?

    No, Gusto offers free account setup but not a free trial period the way OnPay does.

    Will my tax filings carry over cleanly?

    Payroll providers don’t transfer tax-filing history automatically. Export year-to-date payroll reports and prior W-2/1099 data, and time the switch around a quarter or year boundary where possible to keep filings clean.

    Canonical data for the tools on this page

    Every pricing fact, rating, AI billing model and switching guide we hold on each tool, on one page, with the date each figure was last verified.

    OnPayPricing, free plan, AI cost & every comparison›GustoPricing, free plan, AI cost & every comparison›
    OnPay vs GustoHead-to-head comparisonOnPay vs RipplingHead-to-head comparisonGusto vs RipplingHead-to-head comparison
    Gusto to OnPaySwitching guideOnPay to RipplingSwitching guideRippling to OnPaySwitching guideGusto to RipplingSwitching guideRippling to GustoSwitching guide

    Sources

    Prices on this page were recorded from each vendor’s own pricing page on the date shown at the top of the page. Vendors change pricing often — check the live source before you buy.

    Every figure is also in our open dataset (JSON and CSV, CC BY 4.0), with its source page and verification date. See how we research pricing.

    Start with the job

    Guides for the jobs this software does

    Plain-language guides: the steps, what to check before you buy, common mistakes, and every tool it takes with verified prices.

    Run payrollHire and onboard employeesTrack time off and leaveGet ready for taxesPay bills and vendors on timeTrack time and billable hoursSchedule staff shiftsAll 50 job guides
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    From shortlist to switched

    Built for the leader who owns the selection, answers for the spend, drives the rollout, and lives with the results. HelpCompare covers the whole decision, not just the first step.

    01 · CompareWhich tool fits your team, side by side.101 comparisons 02 · Price & approveSourced, dated pricing and a one-page brief for sign-off.Decision brief 03 · SwitchWhat moves, what you rebuild, what it costs.202 guides 04 · ShareDownload and cite the data. CC BY 4.0.Open data
    Bill Belcamino, founder of HelpCompare
    About the author

    Bill Belcamino

    Founder and author, HelpCompare

    Engineer by training, operator by experience, marketer by choice. Bill spent nine years as an engineer at HP, was COO of Auctiva (the number one third-party selling platform on eBay, past 200,000 users) and ran Google’s $70M/year search syndication partnership at Alot.com. Then he spent 13 years building his own web properties with his own money at stake. He has bought, trialled, integrated and cancelled more SaaS tools than he can count, and started HelpCompare because the real cost of switching tools is the part nobody covers.

    “I’ve sat on both sides of the table: the agency recommending the tool and the client paying for it.”

    Researched and fact-checked by the HelpCompare team. Pricing on this page was last verified on September 23, 2026. No paid sponsorships, no affiliate commissions.

    Read Bill’s story How we verify pricingSpot an error? Tell Bill