{"id":21970,"date":"2026-11-12T22:00:26","date_gmt":"2026-11-12T16:30:26","guid":{"rendered":"https:\/\/www.saasworthy.com\/blog\/?p=21970"},"modified":"2026-11-13T02:23:01","modified_gmt":"2026-11-12T20:53:01","slug":"accounting-payroll-in-one-place","status":"publish","type":"post","link":"https:\/\/www.saasworthy.com\/blog\/accounting-payroll-in-one-place","title":{"rendered":"Accounting + Payroll in One Place: How Xero and Gusto Work Together\u00a0"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Xero has changed how U.S. small businesses manage accounting and payroll. In August 2026, Xero launched Xero Payroll, powered by Gusto, bringing payroll directly into Xero instead of requiring businesses to manage it as a separate application.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This differs from the existing Gusto-Xero integration, where businesses run payroll in Gusto and sync the resulting transactions with Xero. With Xero Payroll, payroll expenses and liabilities flow directly into the Xero general ledger.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this guide, we will look at how Xero Payroll works, what it includes, how much it costs, how setup works, and where it fits compared with other payroll options.<\/span><\/p>\n<h3 id=\"key-takeaways\"><b>KEY TAKEAWAYS<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xero Payroll, powered by Gusto, brings U.S. payroll into Xero, with payroll expenses and liabilities flowing directly to the general ledger.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Key features include automated tax calculations and filings, direct deposit, multiple pay schedules, W-2s, 1099s, PTO, and employee self-service.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xero Payroll costs $36 per month plus $6 per employee or contractor and supports payroll across all 50 states.<\/span><\/li>\n<\/ul>\n<h2 id=\"xero-payroll-powered-by-gusto-what-it-is-and-how-it-works\"><b>Xero Payroll Powered by Gusto: What It Is and How It Works<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll powered by Gusto is a U.S. payroll solution built directly into Xero. Gusto provides the underlying payroll infrastructure, while Xero provides the accounting environment where payroll transactions are recorded.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That distinction is important because Xero Payroll is different from simply connecting a separate Gusto account to Xero.<\/span><\/p>\n<h3 id=\"how-does-xero-payroll-powered-by-gusto-work\"><b>How Does Xero Payroll Powered by Gusto Work?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Eligible U.S. small businesses can use Xero to run payroll, manage employee and contractor payments, handle payroll taxes, and access payroll records. Payroll expenses and liabilities then flow directly into the Xero general ledger.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In practical terms, the workflow keeps the payroll run and its accounting impact connected. You don&#8217;t need to manually recreate the payroll accounting impact in Xero after each pay run.<\/span><\/p>\n<h3 id=\"does-xero-integrate-with-gusto\"><b>Does Xero Integrate With Gusto?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Businesses can now choose between Xero Payroll powered by Gusto and the existing Gusto-Xero integration.<\/span><\/p>\n<ol>\n<li><b><\/b> <b>Xero Payroll powered by Gusto:<\/b><span style=\"font-weight: 400;\"> Payroll runs directly in Xero, while Gusto provides the payroll infrastructure. Payroll expenses and liabilities flow into the Xero general ledger.<\/span><\/li>\n<li><b> Existing Gusto-Xero integration:<\/b><span style=\"font-weight: 400;\"> Payroll runs in Gusto, and completed payroll transactions sync to Xero as bills or manual journals, depending on the Xero plan and configuration.<\/span><\/li>\n<\/ol>\n<p><b>Pro Tip:<\/b><span style=\"font-weight: 400;\"> Review payroll account mappings before the first pay run so wages, taxes, and liabilities post to the correct Xero general ledger accounts.<\/span><\/p>\n<h3 id=\"xero-payroll-vs-the-existing-gusto-xero-integration\"><b>Xero Payroll vs. the Existing Gusto-Xero Integration<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The two options differ in where payroll is managed and how payroll data reaches accounting records. Here\u2019s how their workflows compare for Xero users.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Factor<\/b><\/td>\n<td><b>Xero Payroll Powered by Gusto<\/b><\/td>\n<td><b>Existing Gusto-Xero Integration<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Payroll management<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Gusto<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Payroll technology<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Gusto<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Gusto<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Accounting platform<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Xero<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Payroll workflow<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Run within Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Run separately in Gusto<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Payroll accounting<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Flows directly into Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Synced from Gusto<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Separate payroll application<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Not required<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Required<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Best suited for<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Businesses wanting payroll and accounting in Xero.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Businesses already using Gusto.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">With the existing integration, businesses also need to complete account mapping so payroll transactions are recorded in the appropriate Xero accounts.<\/span><\/p>\n<h2 id=\"how-does-xero-payroll-connect-with-accounting\"><b>How Does Xero Payroll Connect With Accounting?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll automatically brings payroll expenses and liabilities into the Xero general ledger. This connects the accounting impact of each pay run with the rest of the business&#8217;s financial records. The typical workflow looks like:<\/span><\/p>\n<p><b>Employee data \u2192 Pay calculation \u2192 Taxes and deductions \u2192 Employee payment \u2192 Payroll liabilities \u2192 Xero general ledger \u2192 Financial reports<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The main benefit is that the accounting impact of each pay run is recorded in Xero without requiring a separate manual payroll entry.<\/span><\/p>\n<h3 id=\"does-payroll-automatically-update-accounting-records\"><b>Does Payroll Automatically Update Accounting Records?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Payroll expenses and liabilities are automatically brought into the Xero general ledger. This reduces the need for manual payroll journals and can simplify reconciliation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The accounting team still needs to review the resulting transactions and reconcile accounts, but the payroll data transfer itself is connected to the pay run.<\/span><\/p>\n<h3 id=\"how-does-payroll-integration-help-with-month-end-close\"><b>How Does Payroll Integration Help With Month-End Close?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Payroll integration reduces manual bookkeeping by recording wages, payroll liabilities, and related transactions directly in Xero.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This keeps accounting records updated with payroll activity before the month-end closes and reduces the need for separate payroll entries, which is particularly useful for small business payroll.<\/span><\/p>\n<h2 id=\"whats-included-in-xero-payroll\"><b>What&#8217;s Included in Xero Payroll?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll covers key payroll software for small business needs, including payroll runs, tax filing, direct deposit, W-2s, 1099s, PTO, and employee self-service.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the key features included with Xero Payroll.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Feature<\/b><\/td>\n<td><b>What It Does<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Unlimited pay runs<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports regular and additional payroll runs.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Tax calculations<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Calculates applicable federal, state, and local payroll taxes.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Tax filings and payments<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Files and pays applicable payroll taxes.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Direct deposit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports 2-day and 4-day direct deposit options.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Multiple schedules<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports weekly, biweekly, semimonthly, and off-cycle pay runs.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Multiple pay rates<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports different employee pay rates.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>W-2s<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Handles year-end employee tax reporting.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>1099s<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports contractor payments and 1099 reporting.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Benefits<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supports payroll-related benefits calculations.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>PTO<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Manages paid-time-off accruals.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Employee self-service<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Gives employees access to payroll information.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Xero Me<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Provides web and mobile access to pay stubs and tax documents.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 id=\"does-xero-payroll-offer-employee-self-service\"><b>Does Xero Payroll Offer Employee Self-Service?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Employees can use Xero Me to access pay stubs and tax documents, receive payday notifications, and update their own information. Xero also supports employee self-onboarding.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This reduces the amount of personal and payroll information administrators need to enter manually during employee setup.<\/span><\/p>\n<h3 id=\"does-xero-payroll-calculate-and-file-taxes\"><b>Does Xero Payroll Calculate and File Taxes?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll calculates, files, and pays applicable federal and state payroll taxes. It also supports year-end W-2 and 1099-NEC reporting.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The setup still depends on accurate employer and employee information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Xero&#8217;s onboarding process collects details such as the employer identification number, business addresses, and federal and state tax information before payroll can be activated.<\/span><\/p>\n<h3 id=\"does-xero-payroll-support-direct-deposit\"><b>Does Xero Payroll Support Direct Deposit?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll supports direct deposit with 2-day and 4-day options. It also supports weekly, biweekly, semimonthly, and off-cycle payroll schedules.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The initial setup starts with one pay schedule, with additional schedules available afterward.<\/span><\/p>\n<h3 id=\"can-xero-payroll-pay-contractors-and-employees\"><b>Can Xero Payroll Pay Contractors and Employees?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll supports both employees and contractors, including contractor payments and 1099 reporting.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One setup detail matters for businesses moving to the service: contractors cannot be added during the initial setup and must be added afterward.<\/span><\/p>\n<h2 id=\"how-much-does-xero-payroll-cost\"><b>How Much Does Xero Payroll Cost?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As of October 2026, Xero Payroll costs $36 per month plus $6 per employee or contractor in the U.S. market. These are standard prices in USD, excluding applicable taxes, and the Xero accounting subscription is billed separately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how Xero\u2019s monthly base fee and per-worker charges work.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Employees\/Contractors<\/b><\/td>\n<td><b>Monthly Payroll Cost<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$42<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$66<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$96<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$156<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$336<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These figures cover the payroll add-on only. The total monthly software cost also depends on the Xero accounting plan.<\/span><\/p>\n<p><b>Limited-Time Offer:<\/b><span style=\"font-weight: 400;\"> Xero currently offers two months of Xero Payroll for free, allowing eligible businesses to try the service before paying the regular subscription charges. Eligible new U.S. customers may also qualify for promotional discounts on Xero accounting plans. However, accounting plan discounts do not apply to payroll add-on charges. Offers are subject to eligibility and may change.<\/span><\/p>\n<h3 id=\"is-xero-payroll-affordable-for-small-businesses\"><b>Is Xero Payroll Affordable for Small Businesses?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll can be a practical option for small business payroll, particularly for businesses already using Xero for accounting. The pricing is $36 per month plus $6 for each employee or contractor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The cost also covers payroll functions that would otherwise require a separate payroll workflow, including tax calculations and filings, direct deposit, employee self-service, and the connection between payroll and the Xero general ledger.<\/span><\/p>\n<h2 id=\"is-xero-payroll-easy-to-set-up\"><b>Is Xero Payroll Easy to Set Up?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll has a guided setup process that Xero estimates can take around 15 minutes. The setup is designed to help businesses configure payroll within their existing Xero organization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Xero also reviews the account before payroll can be processed. This review typically takes a few minutes but can take up to three business days if additional information is required.<\/span><\/p>\n<h3 id=\"what-do-you-need-to-set-up-xero-payroll\"><b>What Do You Need to Set Up Xero Payroll?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To set up Xero Payroll, you will need:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Federal Employer Identification Number (FEIN).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal business and entity details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business and worksite addresses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Federal and state tax information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Company bank account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee personal, tax, compensation, and banking details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay schedule.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Authorized company signatory.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The company bank account must also be verified before payroll can be processed. Xero supports verification through Plaid or manual verification.<\/span><\/p>\n<p><b>Pro Tip:<\/b><span style=\"font-weight: 400;\"> Verify every worksite and remote employee address before setup. State tax obligations depend on accurate employee and work location data.<\/span><\/p>\n<h3 id=\"can-employees-enter-their-own-information\"><b>Can Employees Enter Their Own Information?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Employees can be invited to self-onboard and enter their personal, tax, and banking information. This reduces manual data entry during setup and gives employees a direct way to provide their payroll information.<\/span><\/p>\n<h2 id=\"is-xero-payroll-suitable-for-small-businesses\"><b>Is Xero Payroll Suitable for Small Businesses?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll is designed as payroll software for small businesses, supporting teams of 1\u201320 people or more and payroll across all 50 states.<\/span><\/p>\n<h3 id=\"how-many-employees-can-xero-payroll-support\"><b>How Many Employees Can Xero Payroll Support?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Xero does not publish a maximum employee count on its current payroll page. Instead, it describes the service as supporting teams of 1\u201320 people or more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For larger teams, headcount alone should not determine suitability. Payroll complexity, employee locations, pay schedules, compensation structures, and other requirements also matter.<\/span><\/p>\n<h3 id=\"is-xero-payroll-suitable-for-5-20-employees\"><b>Is Xero Payroll Suitable for 5\u201320 Employees?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. For teams of this size, Xero is one of the best payroll software options, with support for multiple pay schedules, direct deposit, tax filings, PTO, benefits, and employee self-service.<\/span><\/p>\n<h3 id=\"can-xero-payroll-support-20-employees\"><b>Can Xero Payroll Support 20+ Employees?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero describes the service as supporting teams of 1\u201320 people or more, so 20 employees is not a stated maximum.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For larger teams, assess payroll complexity alongside headcount, including the number of states, pay schedules, employee and contractor types, benefits, and reporting requirements.<\/span><\/p>\n<h2 id=\"how-does-xero-payroll-handle-multi-state-payroll\"><b>How Does Xero Payroll Handle Multi-State Payroll?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll supports payroll across all 50 states and automatically applies the appropriate tax rate for the jurisdiction. Xero states that there is no additional cost for state support.<\/span><\/p>\n<h3 id=\"does-xero-payroll-support-all-50-states\"><b>Does Xero Payroll Support All 50 States?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Businesses can run payroll across all 50 states, with Xero calculating, filing, and paying applicable federal and state payroll taxes.<\/span><\/p>\n<h3 id=\"what-information-is-needed-for-multi-state-payroll\"><b>What Information Is Needed for Multi-State Payroll?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Accurate business and employee information is important when running multi-state payroll. The setup process includes business addresses, worksite locations, and federal and state tax information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For remote employees, keep work locations and tax information current. The software handles the applicable calculations and filings based on the information provided, but employers remain responsible for supplying accurate information.<\/span><\/p>\n<h2 id=\"should-existing-gusto-customers-switch-to-xero-payroll\"><b>Should Existing Gusto Customers Switch to Xero Payroll?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Existing Gusto customers can continue using the established Gusto-Xero integration or migrate to Xero Payroll powered by Gusto. The better option depends on how the business currently handles payroll and accounting.<\/span><\/p>\n<h3 id=\"can-i-keep-using-gusto-with-xero\"><b>Can I Keep Using Gusto With Xero?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. The existing Gusto-Xero integration remains available. Businesses can run payroll in Gusto and send the resulting transactions to Xero. Depending on the Xero plan and configuration, those transactions can be recorded as bills or manual journals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the existing workflow works well, there is no requirement to move to Xero Payroll.<\/span><\/p>\n<h3 id=\"can-existing-gusto-customers-migrate-to-xero-payroll\"><b>Can Existing Gusto Customers Migrate to Xero Payroll?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero offers free historical payroll data transfer and access to Payroll Specialists for onboarding support. Existing Gusto customers can migrate their payroll records into Xero Payroll.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Businesses moving during a tax year should also transfer the relevant payroll history so year-to-date records remain complete.<\/span><\/p>\n<h3 id=\"when-should-a-business-stay-with-gusto\"><b>When Should a Business Stay With Gusto?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The existing integration can remain a good fit when:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll is already working well.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Existing payroll-to-accounting mappings meet bookkeeping needs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employees are familiar with the current workflow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business relies on Gusto capabilities outside its core payroll process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is little need to change the current accounting workflow.<\/span><\/li>\n<\/ul>\n<h3 id=\"when-should-a-business-consider-xero-payroll\"><b>When Should a Business Consider Xero Payroll?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Xero Payroll is worth considering when:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business wants to run payroll directly from Xero.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll expenses and liabilities flowing directly into the general ledger would simplify bookkeeping.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xero is already the primary accounting platform.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business is implementing payroll for the first time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business is replacing its existing payroll system.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For an existing Gusto customer, switching is mainly a workflow decision. If the current integration works well, staying with it is an ideal choice. If keeping payroll and accounting together in Xero is the priority, Xero Payroll provides that structure.<\/span><\/p>\n<p><b>Expert Advice:<\/b><span style=\"font-weight: 400;\"> Compare your current Gusto-to-Xero account mappings with Xero Payroll&#8217;s direct GL workflow before migrating to avoid changing established reporting structures unnecessarily.<\/span><\/p>\n<h2 id=\"xero-payroll-vs-standalone-payroll-software\"><b>Xero Payroll vs. Standalone Payroll Software<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing payroll software for small business requires comparing where payroll is managed and how payroll data reaches the accounting system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how Xero compares with standalone payroll platforms.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Factor<\/b><\/td>\n<td><b>Xero Payroll<\/b><\/td>\n<td><b>Standalone Payroll Software<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Accounting<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Built into Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Connected through integration.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Payroll processing<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Built into Xero<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Core function<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>General ledger<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Payroll expenses and liabilities flow to Xero.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Requires accounting integration.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Tax filing<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Supported<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Depends on provider<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Direct deposit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Usually available<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Employee self-service<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Common<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>HR capabilities<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Payroll-focused<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Varies by provider<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Best fit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Businesses using Xero for accounting.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Businesses with specific payroll or HR requirements.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For businesses looking specifically for accounting software with integrated payroll, Xero Payroll&#8217;s main advantage is the direct connection between the two functions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Standalone payroll software may be worth comparing when payroll or HR requirements extend beyond what the Xero accounting and payroll workflow provides.<\/span><\/p>\n<h2 id=\"what-do-reviews-and-early-customer-signals-say\"><b>What Do Reviews and Early Customer Signals Say?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll powered by Gusto has shown encouraging adoption since its 2026 launch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the beta period, Xero reports that <\/span><a href=\"https:\/\/www.xero.com\/us\/accounting-software\/payroll\"><span style=\"font-weight: 400;\">more than $7 million in payroll payments were processed and 86% of customers ran subsequent payrolls.<\/span><\/a><span style=\"font-weight: 400;\"> These figures provide an early indication of continued usage among beta participants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Independent review volume is still developing because the product is new. Xero also points to Gusto&#8217;s G2 ratings as additional context about the underlying payroll technology.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Overall, these early usage signals support Xero Payroll as a promising option for small businesses that want payroll and accounting connected within the same platform.<\/span><\/p>\n<h2 id=\"what-are-the-pros-and-limitations-of-xero-payroll\"><b>What Are the Pros and Limitations of Xero Payroll?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A payroll platform should be evaluated against both its capabilities and business requirements. Here are the main strengths and limitations to consider.<\/span><\/p>\n<h3 id=\"xero-pros\"><b>Xero Pros<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll runs directly within Xero.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gusto provides the underlying payroll infrastructure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll expenses and liabilities flow into the Xero general ledger.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Federal, state, and local payroll tax calculations and filings are supported.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct deposit is available with 2-day and 4-day options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employees can self-onboard and access pay stubs and tax documents through Xero Me.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee and contractor payments are supported.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">W-2 and 1099 processing is included.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll supports all 50 states.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unlimited payroll runs are included.<\/span><\/li>\n<\/ul>\n<h3 id=\"xero-limitations-to-consider\"><b>Xero Limitations to Consider<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xero Payroll is currently a U.S. payroll offering.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payroll is an additional Xero subscription add-on at $36 per month plus $6 per employee or contractor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Businesses moving from another payroll system need to plan the migration and transfer relevant payroll history.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Businesses with extensive HR or workforce-management requirements should evaluate whether they need additional capabilities beyond payroll.<\/span><\/li>\n<\/ul>\n<h2 id=\"who-should-use-xero-payroll\"><b>Who Should Use Xero Payroll?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Xero Payroll is designed as payroll software for small businesses, with support for teams of 1\u201320 people or more and payroll across all 50 states.<\/span><\/p>\n<h3 id=\"xero-payroll-is-a-good-fit-if-you\"><b>Xero Payroll Is a Good Fit If You:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Already use Xero for accounting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are setting up payroll for the first time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have a small U.S. workforce.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay both employees and contractors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need automated payroll tax calculations and filings.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have employees working across multiple states.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Want employee self-service.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Want payroll expenses and liabilities to flow directly into the general ledger.<\/span><\/li>\n<\/ul>\n<h3 id=\"when-should-you-consider-other-payroll-options\"><b>When Should You Consider Other Payroll Options?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Compare other payroll platforms if you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need extensive HR or workforce-management capabilities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have specialized payroll requirements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need international payroll capabilities beyond the U.S.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Already have a Gusto workflow that meets your needs with minimal accounting work.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need capabilities outside the payroll and accounting functions provided by Xero Payroll.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For businesses already using Xero, Xero Payroll is a practical choice when keeping payroll and accounting within one platform is a priority.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your payroll or HR needs extend beyond this workflow, compare the specific capabilities before making a decision.<\/span><\/p>\n<h3 id=\"the-bottom-line\"><b>The Bottom Line<\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">Xero Payroll powered by Gusto is a compelling payroll software option for small businesses in the U.S. that want payroll and accounting managed within the same platform. Its biggest advantage is the direct connection between payroll activity and the Xero general ledger, which reduces repetitive bookkeeping work after each pay run.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">At $36 per month plus $6 per employee or contractor, businesses get payroll processing, tax calculations and filings, direct deposit, employee self-service, contractor payments, and 50-state coverage.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">If your business already uses Xero and keeping payroll and accounting in one platform is a priority, Xero Payroll should be your first choice. It brings the core payroll capabilities small businesses need into the same system they already use for accounting.<\/span><\/i><\/p>\n<h2 id=\"faqs\"><b>FAQs<\/b><\/h2>\n<h3 id=\"1-does-xero-have-its-own-payroll-or-does-it-use-gusto\"><b>1. Does Xero have its own payroll or does it use Gusto?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Xero Payroll is built into Xero and powered by Gusto. Xero provides the integrated payroll and accounting environment, while Gusto provides the underlying payroll infrastructure.<\/span><\/p>\n<h3 id=\"2-is-xero-payroll-included-with-xero-accounting\"><b>2. Is Xero Payroll included with Xero accounting?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No. Xero Payroll is an optional add-on to a Xero accounting subscription. It costs $36 per month plus $6 per employee or contractor, while the Xero accounting subscription is billed separately.<\/span><\/p>\n<h3 id=\"3-what-does-xero-payroll-cost-for-a-small-business\"><b>3. What does Xero Payroll cost for a small business?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Xero Payroll costs $36 per month plus $6 for each employee or contractor. The Xero accounting subscription is separate, so the total software cost depends on the Xero accounting plan and payroll headcount.<\/span><\/p>\n<h3 id=\"4-can-i-use-gusto-payroll-with-xero-accounting\"><b>4. Can I use Gusto payroll with Xero accounting?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Businesses can continue using the existing Gusto-Xero integration. Payroll is processed in Gusto, and the resulting payroll transactions are transferred to Xero for accounting.<\/span><\/p>\n<h3 id=\"5-can-existing-gusto-customers-migrate-to-xero-payroll\"><b>5. Can existing Gusto customers migrate to Xero Payroll?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero offers historical payroll data transfer and migration support for businesses moving from Gusto or another payroll provider to Xero Payroll.<\/span><\/p>\n<h3 id=\"6-does-xero-payroll-support-all-50-states\"><b>6. Does Xero Payroll support all 50 states?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll supports payroll across all 50 states and applies the appropriate tax rates for each jurisdiction.<\/span><\/p>\n<h3 id=\"7-can-xero-payroll-pay-both-employees-and-contractors\"><b>7. Can Xero Payroll pay both employees and contractors?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll supports both employee and contractor payments, including 1099 processing for contractors.<\/span><\/p>\n<h3 id=\"8-does-xero-payroll-offer-direct-deposit\"><b>8. Does Xero Payroll offer direct deposit?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Xero Payroll supports direct deposit with 2-day and 4-day payment options for employees.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Xero has changed how U.S. small businesses manage accounting and payroll. In August 2026, Xero launched Xero Payroll, powered by Gusto, bringing payroll directly into Xero instead of requiring businesses to manage it as a separate application. This differs from the existing Gusto-Xero integration, where businesses run payroll in Gusto and sync the resulting transactions<\/p>\n","protected":false},"author":31,"featured_media":21972,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[335],"tags":[],"class_list":{"0":"post-21970","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sponsored"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Xero Payroll Powered by Gusto: Features, Pricing &amp; Overview<\/title>\n<meta name=\"description\" content=\"Explore Xero Payroll powered by Gusto for small businesses. 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