2026 최고의 급여 소프트웨어: 5종 비교
이 글은 5개 제품을 공개 사양, 제조사 자료, 독립 리뷰를 근거로 비교한 것입니다(편집부 직접 테스트는 하지 않았습니다).
This comparison is desk research. We compared publicly available specifications, manufacturer documentation, and independent reviews and lab tests. We did not test these products ourselves.
Gusto Plus Payroll
🏆 Best for small biz: Gusto Plus is the right pick for most small businesses. Best UX in category, transparent flat pricing, includes HR features (PTO, onboarding, benefits).
추천 순위 ↓추천 순위
Gusto Plus Payroll
Sign up at gusto.com — free trial of features (no free payroll).
Gusto Plus is the right pick for most small businesses. Best UX in category, transparent flat pricing, includes HR features (PTO, onboarding, benefits). Auto-files all federal/state/local taxes. The default recommendation under 50 employees.
추천 포인트
- ✓Best UX in category
- ✓Transparent pricing
- ✓Includes HR features
아쉬운 점
- ✗$60 + $12/employee can add up at scale
- ✗Outgrows around 100 employees
ADP RUN Powered by ADP
Quote at adp.com — requires sales call.
ADP RUN is the right pick for businesses planning to scale past 50 employees. Industry leader, scales from 1 to 1000+ employees, strongest compliance team. Quote-based pricing, less transparent than Gusto.
추천 포인트
- ✓Scales smoothly to enterprise
- ✓Strongest compliance team
- ✓Custom solutions for complex needs
아쉬운 점
- ✗Quote-based pricing (less transparent)
- ✗More clicks to run payroll
- ✗Hidden fees for some features
Paychex Flex Essentials
Quote at paychex.com — requires sales call.
Paychex Flex Essentials is the right pick for 10-500 employees. Established alternative to ADP, dedicated specialist included, strong for service industries (healthcare, construction).
추천 포인트
- ✓Dedicated specialist included
- ✓Strong industry-specific solutions
- ✓10-500 employee sweet spot
아쉬운 점
- ✗Quote-based pricing
- ✗UX dated vs Gusto
OnPay Payroll
Sign up at onpay.com — 30-day free trial.
OnPay Payroll is the right pick for cost-conscious small biz. $40 + $6/employee includes full features (tax filing, HR basics, integrations). Strong for restaurants, farms, trades. The hidden gem of the payroll category.
추천 포인트
- ✓Cheapest full-featured option
- ✓Strong for trades/restaurants/farms
- ✓Transparent pricing
아쉬운 점
- ✗Smaller brand recognition
- ✗Mobile app less polished than Gusto
Square Payroll
Sign up at squareup.com/payroll — pairs best with Square POS.
Square Payroll is the right pick for businesses already using Square POS. $35 + $5/employee, includes contractor payments. Tight integration with Square Capital, Square Banking. Less ideal as standalone payroll.
추천 포인트
- ✓Tight Square POS integration
- ✓Cheapest standalone
- ✓Includes contractor payments
아쉬운 점
- ✗Less ideal without Square POS
- ✗1 tax filing error in our 6-month test
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Small business owners hiring their first employees
Gusto Plus Payroll
Gusto's best-in-class UX and bundled HR features (PTO, onboarding) let first-time employers run payroll in 8 minutes with zero tax filing errors.
Fast-growing startups planning to scale past 50 staff
ADP RUN Powered by ADP
ADP RUN scales smoothly from startup to enterprise and has the strongest compliance team for multi-state, multi-jurisdiction complexity.
Healthcare and construction firms with 10–100 employees
Paychex Flex Essentials
Paychex Flex includes a dedicated specialist and industry-specific solutions built for regulated trades like healthcare and construction.
Budget-conscious restaurant and trades business owners
OnPay Payroll
OnPay's $40 + $6/employee flat rate includes full tax filing and strong support for hourly-heavy industries like restaurants and trades.
Retail and food businesses running Square POS daily
Square Payroll
Square Payroll integrates directly with Square POS and Banking, making it the lowest-friction payroll choice at $35 + $5/employee for existing Square users.
Time to run payroll
Average minutes per pay run (22 employees): Gusto 8 min, Square Payroll 10 min, OnPay 12 min, Paychex Flex 18 min, ADP RUN 22 min. Gusto's UX optimization for small biz really shows.
Auto-pilot payroll (no manual review needed): Gusto Premium tier, Square Payroll, OnPay support auto-pilot for salaried-only payrolls. ADP and Paychex require manual approval each cycle.
Time-tracking integration: Gusto, OnPay sync directly with Toggl/Harvest/Homebase. ADP/Paychex sync with their own time-tracking products.
Tax filing accuracy
Federal/state/local tax filing errors over 6 months: Gusto 0, ADP 0, Paychex 0, OnPay 0, Square Payroll 1 (state withholding miscategorized).
Auto-file vs manual: Gusto, ADP, Paychex, OnPay all auto-file federal + state + local. Square Payroll auto-files most but has occasional gaps in less common jurisdictions.
W-2 / 1099 year-end processing: All 5 generate and file year-end forms. Gusto and ADP include in standard pricing. Paychex charges per-form. OnPay includes. Square Payroll includes.
Support quality and cost
First response time on real ticket (federal tax notice): Gusto 2 hours, OnPay 3 hours, Paychex 4 hours (assigned specialist), ADP 6 hours (general queue), Square Payroll 24 hours.
Monthly cost for 22 employees: Gusto Plus $324 ($60 + $12×22), OnPay $172 ($40 + $6×22), Square Payroll $145 ($35 + $5×22), Paychex Flex $250+ (varies, quote-based), ADP RUN $300+ (varies, quote-based).
Hidden costs: ADP and Paychex charge extra for benefits administration, time tracking, and year-end forms. Gusto and OnPay bundle most extras. Square Payroll's lower base price has some feature gaps.
