To run payroll, you register as an employer, collect each employee's tax and bank details, calculate gross pay, withhold taxes and deductions, pay your people, then pay the withheld amounts and send filings to the tax authorities on time. Payroll software handles the calculations, payments and records, and depending on the plan, the tax filings. The rules differ by country and state, so check what applies where you operate or ask your accountant.
Start with who files the taxes: some plans calculate payroll taxes but leave the filing to you, and that decides how much work lands on your desk every pay run.
Then price on headcount, since Gusto is from $49/mo + $6/person, which the page puts at $109/mo for a team of 10, while Rippling is quote only. Two timing points prevent most first-run trouble. Payroll money has to move before payday, so learn the processing cutoff and have the funds in the account by then, not on the day staff expect to be paid. If you're switching providers, start at the beginning of a quarter if you can (ask your accountant how reporting periods work where you are), because a mid-quarter switch splits wage and tax history across two systems and someone has to reconcile it at year end. On the first run, check every net pay against the last pay stubs before you approve, and confirm in writing who files the year-end forms.
My read of the verified data on this page, checked against vendor sources on September 23, 2026. Disagree or spot an error? Tell Bill
Which categories a job needs is Editorial assessment; the tools, prices and dates are Verified data.
Prices are each vendor’s published entry plan, recorded from its own pricing page and dated. The example column prices a team of 10: only per-user prices are multiplied; flat and per-account prices are shown as published. Change the team size in the finder.
Payroll software pays people, files payroll taxes and keeps employee records.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| Gusto | From $49/mo + $6/person | Per person | $109/mo$49 + $6 × 10 people | NoNo — free account setup, no contracts | Sep 17, 2026Vendor pricing |
| Rippling | Custom quote only | Quote only | Price not publishedQuote only | NoNo | Sep 17, 2026Vendor pricing |
| OnPay | $49 base + $6/worker/mo | Per worker per month, plus a $49 flat base fee | $49 base + $6/worker/moSee the tool page for the billing unit | NoNo — "Get Your First Month Free" trial offer, not a permanent free tier | Sep 23, 2026Vendor pricing |
Accounting software sends invoices, records payments and expenses, and keeps the books your accountant needs.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| QuickBooks | From $38/mo | Per account per month (Simple Start) | $38/moFlat per account per month (Simple Start); includes 1 login, so more logins need a higher plan or extra users | YesYes — 1 user, 2 invoices/month, 1 bank connection | Sep 12, 2026Vendor pricing |
| Xero | From $27/mo | Per account per month, no per-user fees | $27/moFlat per account per month, no per-user fees | NoNo permanent free plan — free trial available | Oct 1, 2026Vendor pricing |
| FreshBooks | $23/mo (Lite, 5 billable clients) | Per account per month; extra team members $11/month each | $23/moFlat per account per month; extra team members $11/month each | NoNo free plan — 30-day free trial, no card required | Sep 18, 2026Vendor pricing |
Time tracking software records hours by person, project and client, for billing, payroll and timesheets.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| Toggl Track | Free for up to 3 users; Starter $9/user/mo (annual) | Per user | $90/mo$9 × 10 users | YesYes — up to 3 users | Sep 19, 2026Vendor pricing |
| Clockify | Free for up to 5 users; Basic $3.99/seat/mo (annual) | Per seat | $39.90/mo$3.99 × 10 seats | YesYes — up to 5 users | Sep 19, 2026Vendor pricing |
| Harvest | Free for 1 seat; Teams from $9/seat/mo (annual) plus usage charges | Per seat | $90/mo$9 × 10 seats | YesYes — 1 seat, 2 projects | Sep 19, 2026Vendor pricing |
The steps are the same as for a larger team: register as an employer, collect the employee's tax and bank details, pay on a set schedule, and pay and file the withheld taxes. Software can still take the calculations and record-keeping off your hands. Check the per-person pricing for a single employee in the table above.
You can calculate pay and withholding by hand or in a spreadsheet using your tax authority's guidance, then pay and file yourself. The risk is calculation errors and missed deadlines, which can bring penalties. Ask your accountant what applies where you operate before you start.
Compare the total for your headcount, not the headline fee: the base fee plus per-person fees, plus any charge for tax filing, extra states or contractor payments. The table above shows each tool's verified entry price and billing unit.
Easy in practice means it files taxes for you, lets employees serve themselves and syncs to your books. Do a test run in a trial with your real employee data and see how setup and approval feel.
We start from the job, not the product. The phrasings people search for this job (for example “how to do payroll for small business”) come from our research into how small and mid-size teams describe it. Which software categories the job takes is our editorial judgment. Every tool, entry price, billing unit and date comes from HelpCompare’s open dataset, recorded from each vendor’s own pricing page; nothing is estimated, and where a vendor publishes no price we say so. We take no affiliate commissions and publish no scores of our own. See our methodology or download the data from Open Data.
Cite this page: HelpCompare, “How to run payroll for a small business”, helpcompare.com/start/run-payroll/ (updated ).
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