Gusto vs Microsoft Teams

Estimated monthly cost comparison — not just the headline price

Gusto and Microsoft Teams do different jobs, so this is not a like-for-like comparison. The prices below are shown side by side for reference only; compare what each tool does before comparing cost.

Prices change often — confirm on the vendor's site before buying. Report incorrect pricing →

Quick Take

Different tools for different jobs — no cost winner

Based on advertised price plus documented recurring fees, not your exact usage.

Best for Gusto

Payroll, benefits, and HR platform for small businesses. Base at $40/mo + $6/person/mo, but benefits

Best for Microsoft Teams

Bundled with Microsoft 365. 'Free' for M365 subscribers, but standalone and add-ons (Rooms, Phone, W

G

Gusto

Payroll, benefits, and HR platform for small businesses. Base at $40/mo + $6/per...

Advertised

$40

/month

Estimated monthly cost

$86

/month (illustrative)

Documented Extra Fees (+$46/mo + $50 one-time)

Per-Person Fee Scaling

Simple plan: $40/mo + $6/person. Plus: $80/mo + $12/person. Premium: $180/mo + $22/person. A 25-pers...

+$6/mo

Benefits Administration Add-On

Health insurance, 401(k), and benefits administration are not included in Simple. Plus plan ($80/mo ...

+$40/mo

State Tax Registration Fees

Registering for state taxes in new states costs $35-$100 per state as a one-time fee. Multi-state re...

+$50 one-time

Pricing Tiers

SimplePopular
$40/mo
Plus
$80/mo
Premium
$180/mo
M

Microsoft Teams

Bundled with Microsoft 365. 'Free' for M365 subscribers, but standalone and add-...

Advertised

$4

/month

Estimated monthly cost

$74

/month (illustrative)

Documented Extra Fees (+$70/mo)

Teams Phone System

Voice calling requires Teams Phone at $8/user/mo + calling plan $12/user/mo. Total: $20/user/mo for ...

+$20/mo

Teams Rooms

Conference room integration: $40/room/mo for Teams Rooms Pro. 10 rooms = $400/mo....

+$40/mo

Teams Premium

AI meeting recap, custom branding, advanced webinars: $10/user/mo add-on. Not included in any M365 p...

+$10/mo

Pricing Tiers

Key Differences

1

Gusto advertises $40/mo. Microsoft Teams advertises $4/mo.

2

Gusto has 3 documented hidden fees. Microsoft Teams has 3.

3

Gusto confidence: 76%. Microsoft Teams confidence: 76%.

Cost Comparison Summary

MetricGustoMicrosoft TeamsWinner
Advertised Price$40/mo$4/moMicrosoft Teams
Estimated Monthly Cost$86/mo$74/mo—
Recurring Extra Fees+$46/mo+$70/moGusto
One-Time Costs$50$0Microsoft Teams
# Documented Fees33—
Pricing Tiers30—
Affiliate ProgramNoneNone—

Frequently Asked Questions

Is Gusto or Microsoft Teams cheaper?

Gusto advertises $40/mo and Microsoft Teams advertises $4/mo. Gusto has 3 documented extra fees (recurring: +$46/mo, one-time: $50), while Microsoft Teams has 3 (recurring: +$70/mo). Gusto and Microsoft Teams do different jobs, so there is no like-for-like cost winner — compare what each one does before comparing price. Your real cost depends on seats and usage — use the calculator for your numbers.

What extra fees does Gusto have?

Gusto has 3 documented extra fees: Per-Person Fee Scaling, Benefits Administration Add-On, State Tax Registration Fees. Recurring fees add roughly $46/mo on top of the $40/mo advertised price, plus about $50 in one-time costs.

What extra fees does Microsoft Teams have?

Microsoft Teams has 3 documented extra fees: Teams Phone System, Teams Rooms, Teams Premium. Recurring fees add roughly $70/mo on top of the $4/mo advertised price.

Should I choose Gusto or Microsoft Teams?

Choose Gusto if: Payroll, benefits, and HR platform for small businesses. Base at $40/mo + $6/person/mo, but benefits. Choose Microsoft Teams if: Bundled with Microsoft 365. 'Free' for M365 subscribers, but standalone and add-ons (Rooms, Phone, W. The right choice depends on your team size, usage volume, and which features you need most.

How accurate is this Gusto vs Microsoft Teams comparison?

This comparison is compiled from public vendor pricing pages and documentation. It uses illustrative assumptions (see "Cost Comparison Summary"), not your exact seats or usage, and vendor prices change often. Confirm current prices on each vendor's site, and use our calculator with your own usage for a closer estimate. Spotted an error? Email hello@trulycritic.com.

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