MyStubs
$4.99
/ Per Paystub
Free live preview before payment. Saved Companies + Employees for repeat use. Same checkout includes 1099-NEC and 1099-MISC.
Comparison
MyStubs vs Gusto: which paystub generator fits you?
Full-service payroll, benefits, and HR platform for small and mid-sized businesses with employees on payroll. We've built MyStubs from the ground up alongside the same use cases — here's an honest side-by-side so you can pick the right tool, not just the loudest landing page.
Pricing snapshot
Listed prices side by side.
Gusto
Starts around $40/month base + $6/employee per month (Simple plan); higher tiers add benefits + HR.
Public per-stub pricing
gusto.com — published monthly subscription pricing.
Prices change. We last fact-checked Gusto's public pricing on 2026-06-01. If they've moved since, the comparison above may be off.
Where Gusto is strong
What Gusto does well.
Honest comparison — we'd rather be right about both products than win on one-sided framing.
Full-service payroll: runs the actual payroll, withholds taxes, and files all federal/state payroll-tax returns automatically.
Direct deposit, W-2 + 1099 generation, and benefits administration (health insurance, 401(k), workers' comp) integrated in one platform.
Worth the subscription when you have ongoing employees and need real payroll compliance — not just paystub generation.
Where MyStubs is strong
What we built MyStubs to do better.
No monthly subscription — pay per document, only when you need one. Save $480+/year vs Gusto's Simple plan if your use case is occasional paystubs rather than running active payroll.
Free live preview before any payment — Gusto requires onboarding through the subscription before you can see what a paystub output even looks like.
Right tool if you need an occasional paystub for a contractor, proof of income, or self-employment record — not a full payroll service.
Same builder generates 1099-NEC and 1099-MISC forms at year-end without a separate subscription or per-employee fee.
Bottom line
Which one should you pick?
Gusto and MyStubs solve different problems. Gusto is the right answer when you have W-2 employees on ongoing payroll and need a service that actually runs payroll + remits taxes + files returns. MyStubs is the right answer when you need to GENERATE a paystub or 1099 document without subscribing to a full payroll platform — proof of income, self-employment record, occasional contractor pay.