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The Best Payroll Software For Small Businesses

Find the best payroll software for your business, from affordable payroll tools to full-service payroll, HR, and global payroll platforms.

    Chelsea Krause
  • Last updated onUpdated

  • Erica Seppala
  • REVIEWED BY

    Erica Seppala

    Editor & Senior Staff Writer

Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.

If you’re in the market for small business payroll software, we’re here to help you narrow down the choices and find the best payroll software option for your business’s needs and budget.

Learn what to look for in a good payroll software company, how much it’ll cost you, and more in our complete guide to the best payroll software.

Learn More About Our Top Picks

CompanySummaryNext StepsSummary
Gusto

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  • Best overall payroll software
  • Pricing starts at $49/month + $6/person
  • Unlimited payroll runs and full tax support across 50 states
  • Best overall payroll software
  • Pricing starts at $49/month + $6/person
  • Unlimited payroll runs and full tax support across 50 states

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ADP Payroll

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  • Best all-in-one HR and payroll software
  • Custom pricing
  • Extensive HR library and tools
  • Best all-in-one HR and payroll software
  • Custom pricing
  • Extensive HR library and tools

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Paychex

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  • Best for growing businesses
  • Pricing starts at $39/month + $5/employee
  • Scalable with packages for businesses at every stage
  • Best for growing businesses
  • Pricing starts at $39/month + $5/employee
  • Scalable with packages for businesses at every stage

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Paylocity

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  • Best for employee experience
  • Custom pricing
  • Combines payroll, HR, and workforce management
  • Best for employee experience
  • Custom pricing
  • Combines payroll, HR, and workforce management

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Paycor

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  • Best all-in-one HCM
  • Custom pricing
  • Advanced features & multiple add-on options
  • Best all-in-one HCM
  • Custom pricing
  • Advanced features & multiple add-on options

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Square Payroll

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  • Best for ease of use
  • $35/month + $6/employee
  • Cheap contractors-only plan available
  • Best for ease of use
  • $35/month + $6/employee
  • Cheap contractors-only plan available

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OnPay

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  • Best affordable payroll software
  • $49/month + $6/month per person
  • Extensive payroll and HR features
  • Best affordable payroll software
  • $49/month + $6/month per person
  • Extensive payroll and HR features

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QuickBooks Workforce

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  • Best for QuickBooks Online users
  • $50/month + $6.50/per person - $203/month + $10/per person
  • Generous promotional pricing for new customers
  • Best for QuickBooks Online users
  • $50/month + $6.50/per person - $203/month + $10/per person
  • Generous promotional pricing for new customers
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Payroll4Free

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  • Best free payroll software
  • Pricing starts at $0/month for 9 employees
  • Optional paid tax and direct deposit services
  • Best free payroll software
  • Pricing starts at $0/month for 9 employees
  • Optional paid tax and direct deposit services

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Patriot Payroll

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  • Best for affordable tax support
  • Pricing starts at $17/month +$4/month per person
  • Full or self-service payroll tax support options
  • Best for affordable tax support
  • Pricing starts at $17/month +$4/month per person
  • Full or self-service payroll tax support options

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Wave Payroll

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  • Best with free accounting software
  • Pricing starts at $40/month + $6/person
  • Full-service payroll available in all states
  • Best with free accounting software
  • Pricing starts at $40/month + $6/person
  • Full-service payroll available in all states

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Rippling

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  • Best for international workers
  • $8/month per employee + $40/month base fee
  • Strong international payroll support
  • Best for international workers
  • $8/month per employee + $40/month base fee
  • Strong international payroll support

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Homebase

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  • Best payroll software for hourly employees
  • Pricing starts at $0/month
  • Free employee scheduling software plan
  • Best payroll software for hourly employees
  • Pricing starts at $0/month
  • Free employee scheduling software plan

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Table of Contents

The Best Payroll Software For Small Businesses

The best payroll software systems for small businesses support essential payroll features, offer time tracking, and support employee portals in an easy-to-use and affordable manner — and only a handful made the cut. Here are the best business payroll software options worth looking into.

The Best Small Business Payroll Software Compared

PriceBusiness SizeTime TrackingHRMobile App
Gusto$49/month + $6/person - $180/month + $22/month per personSmall-medium sized businesses with up to 650+ usersPlus Plan only
ADP PayrollCustomSmall to enterprise-sized businesses with 1,000+ employees
PaychexCustomSelf-employed contractors to enterprises with 1,000+ employees
PaylocityCustomSmall to enterprise-sized with 1,000+ users
PaycorCustomSmall to large businesses with 1,000+ usersAvailable as an add-on
Square Payroll$6/contractor or $35/month + $6/per employeeSmall to large businesses paying 1+ workers
OnPay$49/month + $6/month per personSmall to mid-sized businesses (1-500 employees)
QuickBooks Workforce$50/month + $6.50/per person - $203/month + $10/per personSmall to medium-sized businesses
Payroll4Free$0/month for 9 employees Small businesses with up to 9 employees (additional employees add monthly costs)
Patriot Payroll$17/month +$4/month per person - $37/month + $5/month per personSmall to mid-sized businesses with up to 500 employees
Wave Payroll$40/month + $6/employeeSmall businesses
RipplingCustomSmall businesses to enterprises
Homebase$0/monthSmall to large businesses with 1+ employees

Gusto: Best overall payroll software

Total Rating 4.5
Pricing3.7

Ease Of Use4.9

Features4.8

Customer Service4.3

User Reviews4.2

Payroll Processing Time

Next day-4 days

Pricing Range

$49/month + $6/person - $180/month + $22/month per person

Business Size

Small-medium sized businesses with up to 650+ users

Pros

  • Generous features and add-on options
  • Modern interface
  • Great tax support on all plans
  • Easy to use

Cons

  • Limited reporting
  • Next-day direct deposit & built-in time tracking unavailable on cheapest plan

Why We Chose Gusto

Gusto is our best overall payroll software pick because it gives most small and midsize businesses the right mix of payroll, tax support, HR tools, benefits administration, ease of use, and transparent pricing. It’s powerful enough to handle common payroll needs, but not so complex that smaller teams need a dedicated payroll department to use it.

Gusto also gives businesses room to grow. Its higher-tier plans add tools such as multistate payroll, time tracking, PTO management, performance tools, custom reports, and access to HR experts. For businesses that want payroll software that can handle the basics now and support more HR needs later, Gusto is one of the strongest all-around options.

Gusto Pricing

Gusto Plans Price  When To Use
Simple $49/month + $6/person If your small business needs reliable, basic payroll software
Solo $49/month + $6/person If you’re a solopreneur that needs S corp compliance support and need to pay contractors
Plus $80/month + $12/person If your business needs tools to handle complex payroll and team management needs
Premium $180/month + $22/month per person If your medium to large-sized business needs advanced HR and compliance tools
Contractor Only $35/month + $6/person per month If your growing business needs basic payroll and only pays contractors

Gusto’s pricing includes three different pricing plans for paying employees, and a free 30-day trial is available. The larger the plan, the more advanced features you unlock.

Gusto also offers a plan for businesses that hire only independent contractors, as well as the Solo Plan that’s designed for solopreneurs.

Gusto Features

Gusto boasts strong benefits administration features and assists with adding worker’s compensation and HSA plans to your payroll. If ease and functionality are what you need, Gusto can’t be beaten.

The software comes with the following features:

  • Unlimited payroll runs
  • Automatic federal, state, and local tax filing across all 50 states
  • Custom payroll reports
  • Custom admin permissions
  • Employment offers & onboarding
  • Built-in time tracking on the Plus plan
  • Employee directory & surveys
  • HR& compliance support
  • Dedicated customer support team
  • Optional add-ons for international contractor payments

When To Choose Gusto

  • You want payroll software that gives you the most bang for your buck in terms of features
  • You need excellent employee management and built-in HR features
  • You want payroll software that is easy for you and employees to use

Get Started With Gusto

Read our in-depth review

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ADP Payroll: Best all-in-one HR and payroll software

Total Rating 4.0
Pricing1.8

Ease Of Use4.6

Features4.6

Customer Service3.7

User Reviews3.3

Payroll Processing Time

2-5 days

Pricing Range

Custom pricing

Business Size

Small to enterprise-sized businesses with 1,000+ employees

Pros

  • Excellent reporting options
  • Guided payroll runs for beginners
  • Scalable payroll software
  • Solid HR tools

Cons

  • Many added fees
  • Nontransparent pricing
  • Garnishments only available on higher plan tier

Why We Chose ADP

ADP is the best all-in-one HR and payroll software for businesses that want more than a paycheck processor. It combines payroll, tax filing, employee self-service, hiring tools, onboarding, HR support, benefits options, reporting, and workforce management features across its small-business and larger-business packages.

The biggest reason ADP stands out is how much room it gives businesses to build around payroll. A company can start with RUN Powered by ADP for core payroll and HR tools, then move toward more advanced support through higher-tier RUN packages, ADP Workforce Now, or ADP’s broader HR and PEO services.

ADP Pricing

ADP Payroll Plans Price  When To Use
RUN Powered By ADP Essential Custom If you need basic payroll for up to 49 users
RUN Powered By ADP Enhanced Custom If you need basic payroll and advanced hiring and onboarding tools for up to 49 users
RUN Powered By ADP Complete Custom If you need basic payroll and HR support for up to 49 users
RUN Powered By ADP HR Pro Custom If you need advanced payroll and HR support for up to 49 users
ADP Workforce Now Payroll Essentials Custom If you need basic payroll for 50+ users
ADP Workforce Now Plus Custom If you need payroll and enhanced HR tools for 50+ users
ADP Workforce Now Hiring Advantage Custom If you need advanced recruitment and hiring support for 50+ users
ADP Workforce Now Performance Plus Custom If you need performance analytics and improvement tools for 50+ users

ADP has custom pricing with multiple plan options, though you’ll need to get a quote to see exactly what your business would pay. ADP often has a promo deal and offers discounts for annual payments.

Each contract is different, but most require a 12-month commitment and are paid upfront. There is no termination fee, but there are no refunds for canceled contracts.

ADP Features

ADP is easy to use and well-organized, and guided support and other resources help you navigate the features and get the most out of the software. Run ADP offers the following features:

  • Auto-scheduled payroll runs
  • Paycheck delivery or direct deposit payment options
  • Automatic payroll tax calculation & filing
  • Ability to run payroll across multiple states & counties
  • Garnishment payments
  • Electronic reporting
  • Time tracking add-on
  • Varies by product integrations
  • Employee management with employee portal & time-off tracking

When To Choose ADP

  • You need payroll software with an extensive feature set
  • You want built-in benefits administration, time tracking, and HR features
  • You want scalable payroll software
  • You want a strong payroll mobile app

Get Started With ADP Payroll

Read our in-depth review

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Paychex: Best payroll software for growing businesses

Total Rating 4.1
Pricing2.2

Ease Of Use4.4

Features4.6

Customer Service3.8

User Reviews3.9

Payroll Processing Time

2 days (can pay for faster processing times)

Pricing Range

$39/month + $5/employee or custom pricing

Business Size

Self-employed contractors to enterprises with 1,000+ employees

Pros

  • Easy to use
  • Good customer support
  • Built-in HR and onboarding
  • Numerous integrations

Cons

  • Extra fees
  • Non-transparent pricing
  • Tax support complaints

Why We Chose Paychex

Paychex is a strong payroll software option for growing businesses because it gives companies room to add more HR, benefits, compliance, and support services over time. Paychex Flex supports payroll, tax administration, employee management, time and attendance, benefits, retirement, business insurance, and HR services, making it more scalable than basic payroll-only software.

That flexibility is what makes Paychex a good fit for growing businesses. A small business can start with payroll and add services as its workforce becomes more complex. Paychex may not be the cheapest option, and businesses need to request a quote for exact pricing, but it’s a strong choice for businesses that want payroll software they won’t quickly outgrow.

Paychex Pricing

Paychex Plans Price  When To Use
Flex Select Custom If you need a dedicated payroll specialist to walk you through your payroll runs
Flex Pro Custom If you need accounting software integrations for your payroll software
Flex Enterprise Custom If you need advanced HR solutions, analytics, and insurance setup support

Paychex has four pricing plans to choose from. You must contact Paychex to get a quote for its customizable plans.

Additional fees may apply for add-on services, including time tracking, software setup, HR packages, tax services, and employee benefits.

Paychex Features

Paychex has a solid set of features that can be customized for businesses of all sizes. At its most basic level, here’s what Paychex has to offer:

  • Direct deposit, prepaid pay cards, & paper check payment options
  • New hire reporting
  • Self-service employee portal with access to tax forms and paystubs
  • Rich HR library
  • Automatic payroll tax calculations & tax credit services
  • Standard analytics & reports

When To Choose Paychex

  • You need payroll software with the employee management and feature set to grow with your business
  • You need extensive payroll, HR, and time tracking features
  • You value customer support and ease of use
  • You want optional PEO services

Get Started With Paychex

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Paylocity: Best payroll software for employee experience

Total Rating 4.4
Pricing1.8

Ease Of Use4.7

Features4.8

Customer Service4.7

User Reviews4.1

Payroll Processing Time

As soon as next-day

Pricing Range

Quote-based

Business Size

Small to enterprise-sized with 1,000+ users

Pros

  • Strong employee self-service tools
  • Employee communication and recognition features
  • Payroll connects with time, scheduling, and HR tools
  • Modern mobile experience for employees and managers

Cons

  • Not the cheapest option for basic payroll
  • Non-transparent pricing

Why We Chose Paylocity

Paylocity is a strong payroll software option for businesses that want payroll to connect more directly with the employee experience. In addition to payroll processing and tax support, Paylocity offers employee self-service, mobile access, onboarding, time tracking, scheduling, expenses, employee communication, recognition, and engagement tools.

That makes Paylocity a good fit for businesses that want employees to do more from one system, such as view paychecks, request time off, complete onboarding tasks, check schedules, submit expenses, clock in and out, manage timecards, and stay connected through workplace communication tools.

Paylocity Pricing

Paylocity doesn’t publish its pricing, so you’ll need to contact the company for a custom quote. Pricing may vary based on factors including the size of your company, features, and add-ons.

Paylocity Features

Paylocity’s biggest strength is that payroll doesn’t feel isolated from the rest of the employee experience.

The software also comes with the following features:

  • Payroll processing
  • Payroll tax support
  • Employee self-service portal
  • Mobile app for employees and managers
  • Time tracking and time-off requests
  • Scheduling tools
  • Benefits administration
  • Onboarding tools
  • Employee communication tools
  • Recognition and engagement features
  • Expense management
  • Reporting and workforce insights

When To Choose Paylocity

  • You want payroll software with strong employee self-service and mobile tools
  • You need payroll, time tracking, scheduling, and HR tools in one platform
  • You want employee engagement features, such as communication, recognition, and workplace community tools

Get Started With Paylocity

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Paycor: Best all-in-one HCM and payroll software

Total Rating 4.0
Pricing1.5

Ease Of Use3.7

Features4.7

Customer Service4.5

User Reviews4.1

Payroll Processing Time

Same-day - 4 days

Pricing Range

Custom pricing

Business Size

Small to large businesses with 1,000+ users

Pros

  • Easy to use
  • Advanced payroll features
  • HR guidance from certified professionals
  • Highly scalable

Cons

  • Can be expensive
  • Limited integrations

Why We Chose Paycor

Paycor is the best all-in-one HCM and payroll software for businesses that want to turn payroll and HR data into better workforce decisions. While many payroll platforms can pay employees and store HR records, Paycor stands out for its focus on analytics, reporting, and people management.

Businesses can use Paycor to track trends around labor costs, turnover, compensation, headcount, performance, and employee data across the workforce. That makes it a strong fit for companies that have moved beyond basic payroll and need clearer insight into what’s happening with their team.

Paycor Pricing

Paycor Plans Price  When To Use
Basic Custom If you need basic payroll features and tax filing for up to 50 users
Essential Custom If you need PTO management, onboarding support, and strong reporting options for up to 50 users
Core Custom If you need strong HR features and one-one-on guidance from an HR professional
Complete Custom If you need advanced analytics and talent management for up to 50 users

Paycor doesn’t disclose pricing information. Custom pricing is based on your business’s specific needs, so you’ll need to contact Paycor directly for a no-obligation quote.

Paycor Features

Paycor has a highly competitive selection of features, making it a great option for growing or larger businesses. Small businesses with advanced payroll needs could still benefit from Paycor.

Here are some of the features you’ll find with Paycor:

  • Full-service payroll
  • Auto-schedule payroll
  • Extensive HR features
  • Onboarding & hiring features
  • Advanced analytics
  • Custom reporting
  • Employee management
  • Benefits administration
  • Time tracking & scheduling add-on

When To Choose Paycor

  • You need a full-service HCM
  • You operate a large business that needs advanced payroll and HR features
  • You have a small business with complex payroll needs or are poised for quick growth

Get Started With Paycor

Read our in-depth review

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Square Payroll: Easiest payroll software

Square Payroll

Total Rating 4.1
Pricing3.5

Ease Of Use3.9

Features4.6

Customer Service3.7

User Reviews4.4

Payroll Processing Time

Same-day to 4-day

Pricing Range

$6/contractor or $35/month + $6/per employee

Business Size

Small to large businesses paying 1+ workers

Pros

  • Very affordable
  • Easy to use with plenty of support options
  • Integrates with Square ecosystem
  • Solid mobile app

Cons

  • Basic feature set

Why We Chose Square Payroll

Square Payroll is the easiest payroll software to use because it keeps payroll simple without feeling too basic. It’s built for small businesses that want to pay employees and contractors, handle payroll taxes, import timecards, and manage basic payroll tasks without a steep learning curve.

Square Payroll also naturally fits into the broader Square ecosystem, so it's a solid choice for businesses already using Square products, like Square POS. But even if you don't already use Square, its ease of use and affordability make it one of the most practical payroll options for small businesses.

Square Payroll Pricing

Square Payroll Plans Price  When To Use
Pay Contractors Only $6/contractor If your business needs affordable payroll for contractors
Pay Employees & Contractors $35/month + $6/employee If your business needs affordable, basic payroll for both employees and contractors

The biggest benefit of Square Payroll’s pricing is that there are no hidden fees, no sneaky terms and conditions, and no contracts, so you can cancel your plan anytime.

Square Payroll Features

Square’s features are easy to access and understand, even if you have never run payroll before, and the interface is designed to walk you through each step of the process.

Square offers the following features:

  • Unlimited payroll processing across all 50 states
  • Hire & pay contractors and employees
  • Automate payroll runs with Square Payroll’s scheduled payroll
  • Automatic federal & state payroll tax calculation, filing, and remittance
  • Employee self-service portal with mobile app
  • HR services add-on
  • Employee portal & self-onboarding
  • Time tracking through Square Shifts or third-party integration
  • Benefits administration
  • 20+ integrations

When To Choose Square Payroll

  • You’re already using Square for POS, scheduling, or other tasks
  • You want to work with a reputable company that offers payroll, invoicing, payment processing, and POS
  • You want something that’s easy to use and learn
  • You want affordable software, especially if you just need to pay only contractors

Get Started With Square Payroll

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OnPay: Best affordable payroll software

Total Rating 4.3
Pricing3.0

Ease Of Use4.4

Features4.5

Customer Service4.1

User Reviews4.7

Payroll Processing Time

2 - 4 Days

Pricing Range

$49/month + $6/month per person

Business Size

Small to mid-sized businesses (1-500 employees)

Pros

  • Customizable HR and payroll tools
  • Generous feature set
  • Responsive customer service
  • Affordable, competitive pricing

Cons

  • Limited integrations
  • Add-ons can raise overall costs

Why We Chose OnPay

OnPay earns its spot as the best affordable payroll software because it keeps pricing simple without stripping out key features. Instead of splitting core payroll tools across multiple plan tiers, OnPay includes unlimited pay runs, federal, state, and local tax filings, W-2 and 1099 filings, multistate payroll, employee self-service, and HR tools in its base payroll plan.

Optional HR, compliance, and live HR support add-ons are available for businesses that need more. For small businesses that want full-service payroll at a predictable price, OnPay offers one of the strongest feature-to-cost ratios on this list.

OnPay Pricing

OnPay Plans Price  When To Use
OnPay Monthly Plan $49/month + $6/month per person If you need essential payroll and basic HR features for up to 500+ employees

In addition to competitive pricing, your first month with OnPay is free, and there are no setup costs or contracts.

OnPay Features

Only one service plan is available with OnPay, so you can enjoy all of the biggest features the software offers, including unlimited payroll runs with quick processing speeds, employee self-service options to review paychecks and tax forms, and onboarding and employee time management options for administrative users.

OnPay offers the following features with its single service plan:

  • Unlimited payroll runs for both contractors & employees
  • Completely automated payroll tax support at the federal, state, & local level
  • Employee self-service portal to access paystubs, employment documents, and tax forms
  • Pay workers via direct deposit, paper check, or debit card
  • Free multistate payroll
  • Extensive online HR library
  • Seven industry-specific payroll setup options
  • Pay-as-you go benefits option
  • 20+ integrations

When To Choose OnPay

  • You have a tight budget and need an affordable payroll software option
  • You want extensive payroll and HR features
  • You value excellent customer support

Get Started With OnPay

Read our in-depth review

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QuickBooks Workforce: Best payroll software for QuickBooks users

QuickBooks Workforce

Total Rating 4.2
Pricing2.6

Ease Of Use4.1

Features4.4

Customer Service4.6

User Reviews4.4

Payroll Processing Time

Same-day - 5 days

Pricing Range

$50/month + $6.50/per person - $203/month + $10/per person

Business Size

Small to medium-sized businesses

Current Deal: Get 50% off for three months when you sign up now. Save 50% Today

Pros

  • Competitive pricing
  • Seamless integration with QuickBooks Online
  • Easy signup and no long-term contracts

Cons

  • Poor customer service
  • No local tax support on lowest tier plan

Why We Chose QuickBooks Workforce

QuickBooks Workforce is the best payroll software for QuickBooks users because it connects payroll and accounting inside the broader QuickBooks ecosystem. Businesses already using QuickBooks Online can manage payroll and bookkeeping together, reducing duplicate data entry and keeping payroll information connected to their accounting records.

QuickBooks Workforce can handle core payroll needs such as full-service payroll, direct deposit, payroll tax filing, payroll reports, contractor payments, and employee access to pay stubs, W-2s, time off, and year-to-date pay details. Higher-tier plans include time tracking, HR tools, benefits, Payroll AI, and more advanced workforce management features. For businesses already committed to QuickBooks, Workforce is the natural payroll choice.

QuickBooks Workforce Pricing

QuickBooks Workforce Plans Price  When To Use
Workforce Payroll $50/month + $6.50 per employee If you want basic payroll software
Workforce Payroll and Simple Start $88/month + $6.50 per employee If you need a basic payroll solution and QBO accounting software
Workforce Premium $88/month + $10 per employee If you want payroll plus time tracking
Workforce Payroll and Essentials $125/month + $6.50 per employee If you need on-the-go time tracking for 25+ users and QBO accounting software
Workforce Elite $134/month + $12 per employee If you want advanced payroll support
Workforce Premium and Plus $203/month + $10 per employee If you need advanced HR support and QBO accounting software

As you move up the tiers, you’ll get access to more advanced features. Intuit offers white-glove treatment for onboarding at the upper tiers and gives you a dedicated HR representative to work with your company.

QuickBooks has month-to-month contracts and no early termination fees, so you can cancel your subscription at any time.

QuickBooks Workforce Features

QuickBooks Workforce is well organized, and the UI is intuitive. People who like QuickBooks and already use aspects of the software are more likely to have a positive experience transitioning to the QuickBooks Workforce system.

QuickBooks Workforce offers the following features:

  • Next-day direct deposit & check printing options
  • Unlimited payroll runs across all 50 states
  • Paycheck deductions & garnishments
  • Calculate & file federal and/or state taxes and year-end forms
  • Workforce portal for employee pay stub & tax form access
  • Create and run payroll reports for your business
  • Automated payroll runs
  • Optional QuickBooks Time add-on or time tracking integrations
  • Benefits administration

When To Choose QuickBooks Payroll

  • You already use QuickBooks Online and want payroll connected to your accounting
  • You want automated payroll, direct deposit, payroll tax filing, and employee self-service in one QuickBooks system
  • You need employee access to pay stubs, W-2s, time off, and year-to-date pay details

Get Started With QuickBooks Workforce

Read our in-depth review

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Payroll4Free: Best free payroll software

Total Rating 3.0
Pricing3.6

Ease Of Use2.7

Features3.1

Customer Service2.6

User Reviews3.1

Payroll Processing Time

2-4 days

Pricing Range

$0/mo - $40/month

Business Size

Small businesses with up to 9 employees (additional employees add monthly costs)

Pros

  • Free plan for businesses with fewer than 10 employees
  • Includes essential payroll features
  • Easy to use

Cons

  • Outdated UI
  • Unsuitable for large businesses
  • Ad-supported

Why We Chose Payroll4Free

Payroll4Free is the best free payroll software option for very small businesses that need to keep payroll costs as low as possible. Its free basic service is available for businesses that pay nine or fewer employees monthly and includes core payroll tools such as employee and contractor payments, tax calculations, vacation time tracking, payroll reports, direct deposit or paper checks, and an employee portal.

The trade-off is that Payroll4Free is ad-supported, and some services cost extra. Payroll4Free can handle tax deposits and filings on your behalf for a monthly fee, and additional fees may apply for certain services or support requests. But for small businesses comfortable with a more DIY payroll setup, Payroll4Free offers a useful set of payroll tools at no base software cost.

Payroll4Free Pricing

Payroll4Free Plans Price  When To Use
Payroll4Free Standard Plan $0/month If you need very basic payroll processing and stay within Payroll4Free’s free payee limits

As the name suggests, Payroll4Free is a forever-free payroll software. All features are included in your free plan. However, there are two upgrade options.

You can purchase the Payroll Tax Service if you want Payroll4Free to deposit and pay your payroll taxes, and you can also buy the Direct Deposit Service if you’d prefer to use Payroll4Free’s bank instead of your own.

Payroll4Free Features

Payroll4Free has a surprising number of features available to its users for no cost. While it is without the embellishments you’ll find with some of its competitors, this software has all of the essentials small businesses need to run payroll, including:

  • Unlimited payroll runs
  • Direct deposits
  • Tax forms & calculations
  • Vacation time tracking
  • Reporting
  • Accounting software integrations
  • Unlimited live customer support

When To Choose Payroll4Free

  • You have fewer than 10 employees
  • You want free payroll software
  • You only need basic payroll processing and employee management features
  • You’re okay with an ad-supported experience in exchange for no monthly payment

Get Started With Payroll4Free

Read our in-depth review

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Patriot Payroll: Best for affordable payroll tax management

Patriot Payroll

Total Rating 3.9
Pricing4.0

Ease Of Use3.4

Features3.5

Customer Service4.6

User Reviews4.8

Payroll Processing Time

2-4 days

Pricing Range

$17/month +$4/month per person - $37/month + $5/month per person

Business Size

Small to mid-sized businesses with up to 500 employees

Pros

  • Excellent tax support
  • Excellent US-based customer service
  • Competitive pricing
  • Easy to use with a free demo

Cons

  • Limited HR features
  • Few integrations and no API
  • Very limited benefits administration options

Why We Chose Patriot Payroll

Patriot Payroll is a strong fit for businesses that want affordable payroll tax management because it offers both Basic Payroll and Full Service Payroll plans. The Basic plan is cheaper and lets businesses run payroll while handling tax filings themselves, while the Full Service plan adds federal, state, and local payroll tax filings and deposits.

That combination of low pricing, transparent plan options, and full-service tax filing makes Patriot a cost-effective choice for small businesses that want payroll tax help without paying for a larger HR platform.

Patriot Pricing

Patriot Payroll Plans Price  When To Use
Basic Payroll $17/month + $4/month per person If you need basic payroll processing services for up to 500 employees or contractors
Full Service Payroll $37/month + $5/month per person If you need full-service payroll with tax support for up to 500 employees or contractors

Patriot Payroll has two pricing plans to choose from.

Patriot Payroll integrates with other Patriot services, including time tracking, HR management, and accounting for an additional fee.

Patriot Features

Patriot Payroll has everything you need to run payroll easily. The Basic plan includes the following features:

  • Unlimited payroll runs including free multistate payroll
  • Free two-day direct deposit
  • Employee portal with tax form & paystub access for employees and contractors
  • Workers’ comp integration
  • Contractor payments & optional 1099 e-filing
  • Net to Gross Payroll tool
  • Mobile-friendly software
  • QuickBooks and QuickBooks Online integrations
  • Time-off accruals tracking

When To Choose Patriot Payroll

  • You want affordable payroll with low monthly payments
  • You want affordable payroll tax support
  • You value all-in-one payroll, accounting, timekeeping, and HR software
  • You want excellent customer support

Get Started With Patriot Payroll

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Wave Payroll: Best payroll software with free accounting

Total Rating 3.1
Pricing3.4

Ease Of Use3.1

Features3.2

Customer Service2.2

User Reviews4.1

Payroll Processing Time

3 Days

Pricing Range

$40/month + $6/employee

Business Size

Small businesses

Pros

  • Easy to use
  • Affordable pricing
  • Integration with Wave’s free accounting software

Cons

  • No HR support
  • No benefits administration
  • No phone support

Why We Chose Wave Payroll

Wave Payroll earns its spot as the best payroll software with free accounting because it connects directly with Wave’s accounting, invoicing, and bookkeeping tools. For businesses already using Wave, that integration can make it easier to keep payroll expenses, wage data, and tax payments connected to the books without juggling separate systems.

Wave Payroll is best for small businesses that want simple payroll tied to accounting software, not advanced HR tools. Wave Payroll can handle employee and contractor payments, direct deposit, tax forms, employee access, and payroll journal entries, making it a practical option for small businesses that want payroll and accounting in the same ecosystem.

Wave Payroll Pricing

Wave Payroll Plans Price  When To Use
Wave Payroll $40/month + $6 per employee If you need basic payroll for a smaller team

Wave Payroll has a single plan that has no setup fees or hidden charges.

Wave Payroll Features

Wave lacks many payroll features you’ll find in other software options on this list. But it does offer the basics, including:

  • Direct deposits
  • Self-service pay stubs & tax forms
  • W-2 and 1099 tax forms
  • Full-service payroll available in 14 states
  • Basic reports
  • Paid time off
  • Basic employee management

When To Choose Wave Payroll

  • You want to handle account and payroll for a minimal cost
  • You have a small budget and need affordable payroll software
  • You don’t need advanced payroll features and want something simple to learn and use

Get Started With Wave Payroll

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Rippling: Best international payroll software

Total Rating 4.3
Pricing2.4

Ease Of Use4.6

Features4.7

Customer Service4.2

User Reviews4.7

Payroll Processing Time

2 days

Pricing Range

$8/month per employee + $40/month base fee

Business Size

Small businesses to enterprises

Pros

  • Fully customizable payroll, HR, and IT solution
  • Multiple integrations
  • Full-service payroll tax support
  • Supports US-based and international payroll runs

Cons

  • No free trial
  • Non-transparent pricing
  • Payroll is only an add-on service

Why We Chose Rippling Payroll

Rippling is the best international payroll software for businesses that need to manage payroll, HR, compliance, contractors, and IT across a global team. Businesses can use Rippling to manage international employees and contractors, sync employee data across systems, handle localized onboarding, manage global benefits, and keep payroll connected to the broader employee lifecycle.

Rippling is not the simplest or cheapest option for businesses with only basic payroll needs, but it’s a good choice for companies building or managing distributed teams across multiple countries.

Rippling Pricing

Rippling Plans Price  When To Use
Rippling Unity Custom pricing starts at $8/month per user + $40/month base fee This core plan is required to add on Rippling’s payroll, HR, and IT solutions

Rippling does not disclose pricing online but instead requests you submit a request for a free quote based on the services you need.

Rippling Features

Rippling’s customizable plans may include several HR and IT features. In this post, however, we’ll focus on its payroll features, which include:

  • Global payroll with support for international employees
  • Automatic tax filings at the federal, state, & local level
  • Automatic tax compliance, including W-2, W-4, 1099, & new-hire filing
  • Employee time tracking & PTO tracking
  • Paycheck garnishments & deductions
  • Job costing and custom payroll reports
  • 650+ integrations

When To Choose Rippling Payroll

  • You need full-service payroll software for international employees
  • You want extensive suite of employee management and HR tools
  • You want modular pricing with optional PEO services
  • You value an extensive integration library

Get Started With Rippling

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Homebase: Best payroll for hourly employees

Total Rating 3.8
Pricing3.6

Ease Of Use2.7

Features4.0

Customer Service4.4

User Reviews4.4

Payroll Processing Time

2+ days

Pricing Range

up to $120/month per location

Business Size

Small to large businesses with 1+ employees

Pros

  • Free time tracking and employee scheduling
  • Modern UI
  • Competitive pricing
  • Quick and easy set up

Cons

  • Glitchy mobile app
  • Free plan is limited to 10 employees and one location
  • Payroll is only available as an add-on

Why We Chose Homebase

Homebase is the best payroll software for hourly employees because it connects payroll with scheduling, time clocks, timesheets, and team communication. For businesses with hourly teams, that connection can reduce manual entry and make it easier to turn approved hours into payroll.

Homebase is especially useful for businesses that want strong scheduling and time tracking before adding payroll. Its free Basic plan supports one location with scheduling, time clocks, timesheets, and team communication tools, while payroll is available as a paid add-on.

Homebase Pricing

Homebase Plans Price  When To Use
Payroll Add-On $39/month + $6/person If you need basic payroll processing paired with scheduling software
Basic $0/month If you need basic scheduling features for up to 10 employees with one location only
Essentials $30/location/month or $288/location/year If you need advanced scheduling and live support
Plus $70/location/month or $672/location/year If you need advanced scheduling, live support, and strong employee management features
All-In-One $120/location/month or $1,152/location/year If you need advanced scheduling, live support, and strong employee management features, and support from HR advisors

Homebase’s scheduling and time-tracking software is free for one user in one location. You can upgrade to a paid plan if you have multiple locations or users.

Adding payroll will incur an additional fee.

Homebase Features

Homebase has everything you need to track hours, schedule employees, and pay your workers on time. Homebase has a handful of HR tools, solid customer service, and a clean, easy-to-use interface that makes it easy to get started.

Standout features of Homebase include:

  • Unlimited payroll runs for all 50 states & DC
  • 1099s, W2s, & amendments included
  • Two-day direct deposits
  • HR tools such as new hire onboarding, job posts, applicant tracking, & a team roster
  • Employee scheduling, time clocks, & timesheets
  • Built-in messaging
  • Automated tax filings & payments
  • QuickBooks Online integration
  • Well-rated mobile app
  • Comprehensive employee portal with schedules, pay stubs, tax forms, time-off requests, & more

When To Choose Homebase

  • You need combined scheduling and payroll software
  • You need an affordable way to pay hourly employees
  • You run a very small business or have a nanny that you need to pay professionally and affordably

Get Started With Homebase

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Methodology

Merchant Maverick has been researching and reviewing payroll providers since 2018. Our writers have tested more than 75 different payroll software systems, evaluating pricing, features, ease of use, customer service, and user reviewers. Read more about how we rate payroll providers.

Weighted Rating Breakdown

Features 40%
Ease Of Use 20%
Customer Service 20%
Pricing 10%
User Reviews 10%

When comparing different apps, we consider over seventy data points, including the speed and cost of payroll runs, federal and state tax filing features, HR integrations, employee management tools, time tracking, and more. Our lists of the best providers include only apps we’ve deemed worthwhile from several vantage points. The payroll apps we pick are widely available and relatively easy to train on, with robust features and reasonable pricing. We also look carefully at features such as employee and client portals, user onboarding services, PTO management, benefits administration, multistate compliance, and more.

We spend an average of 10-15 hours researching and updating each one of our lists, making sure the providers included meet our internal standards for quality and reputation.

75+

Vendors evaluated

76

Attributes assessed per vendor

26

Features weighed

20+

Combined years of experience


Search For The Best Payroll Software By Industry

Are you looking for industry-specific payroll software? While our list of the best payroll software works well for many businesses, if you are in a certain niche like construction or trucking, you might require software that fits your specific features and needs better.

Here are some best payroll software selections by industry:

Or, if you don’t want to search by industry and are just looking for something budget-friendly, check out the cheapest payroll software options for small businesses.

What Is Payroll Software?

Payroll software is software designed to help businesses calculate payroll, pay employees and contractors, and stay compliant with payroll tax laws.

Types Of Payroll Software

There are four types of payroll software:

  • Payroll software
  • Payroll apps
  • HR Software
  • PEO

Generally speaking, payroll is considered an HR process. However, while many payroll software solutions include some HR features, these options tend to lack some of the richer HR features and services found within the best HR software.

Depending on your business’s needs, you may be better served by a hybrid payroll and HR software solution or two separate solutions that offer a more comprehensive feature set.

Or, if you want to be completely hands-off with your small business payroll and would rather outsource your payroll software entirely, you could look at the top PEO companies instead. PEOs, or Professional Employer Organizations, are companies that handle a company’s employee management, such as payroll, HR, benefits administration, and onboarding, so that a small business doesn’t have to manage all of these elements on its own.

If your business isn’t ready for a PEO or even full-fledged payroll software, a simplified payroll app could be a good alternative, or you could always go the DIY payroll route, though that can be time-consuming and potentially lead to payroll calculation errors.

Learn more about the different types of payroll software and which is best for your business.

How Does Small Business Payroll Software Work?

The majority of payroll software is cloud-based. Payroll software generally uses the SaaS pricing model meaning you’ll pay monthly for access to the software. You’ll usually create a login using your email to access the software online. Some companies offer payroll mobile apps so you can manage your payroll on the go.

Payroll software often provides payroll processing, payroll tax calculations, employee management, time tracking, benefits administration, and reporting, among other features.

Do I Need Payroll Software For My Small Business?

Deciding whether your small business could benefit from payroll software depends on whether you know how to run payroll and how to calculate payroll. If you answered no to either question, going with payroll software would keep you from having to go through the process of learning how to do payroll manually.

The Benefits Of Using Payroll Software

  • Saves time on processing payroll, tracking time, & managing employee hours & PTO
  • Prevents payroll calculation errors
  • Ensures payroll tax & labor law compliance
  • Helps with year-end payroll tasks
  • Makes tax season easier with payroll records & reporting in one spot

These are just a few of the benefits of payroll software. Read our full list of payroll software benefits to learn how payroll software can help your business.

How Much Should You Expect To Pay For Payroll Software?

Payroll software pricing can be tricky.

Some SaaS companies are transparent with their pricing, and others offer custom packages that require a quote from a sales representative. You can generally expect to pay a base monthly fee, plus a per-employee fee. Some companies also charge add-on fees for specific features or services like time tracking or benefits administration

The number of features you need and the number of employees you have will have the biggest impact on how much payroll software will cost you. Learn more about potential payroll costs and fees.

How To Choose A Good Payroll Software Company

To choose a good payroll company, look for the following:

  • Competitive pricing
  • Multiple customer support options
  • Positive customer reviews & testimonials
  • Benefits support in the state you pay employees in
  • An easy-to-navigate interface

Shy away from any company that is not forthright with its pricing when asked. Also, avoid companies with predominantly negative customer reviews or a lack of standard SaaS security measures like data encryption, two-factor authentication, employee controls, and physical server safeguards and monitoring.

Our complete guide on how to choose payroll software can help you make the right decision for your business.

What are some things to look for in payroll software?
Erica Seppala
Erica SeppalaEditor & Senior Staff Writer
It’s important to choose payroll software that at least has standard features like tax filing, direct deposit, and reporting. Also look for user-friendly software, good customer support, and competitively-priced, scalable plans that can grow with your business.

The Bottom Line On Choosing The Right Payroll Software For Your Business

To choose the right payroll software for your business, you’ll need to determine what your business needs in a payroll software solution. Start by answering these questions:

  • How much payroll tax support do I need?
  • What reports do I require to run my business?
  • Will I need hand-holding through onboarding, or can I manage it myself?
  • Do I need payroll, or am I looking for a full human capital management program?
  • Is a modern interface important to me?
  • Does the payroll provider have a functional app?
  • What do the reviews say about the company? What are patterns and unresolved issues?
  • How easy is it to schedule a demo?
  • Does the price include filling W-2s?
  • Are there tax experts in case of a tax emergency?
  • Can I customize the software to suit my business’s needs?

For better or worse, these are all questions to which you need definitive answers before making a final decision on payroll software for your business. Fortunately, each payroll software has the same end goal: creating a reliable and efficient payroll system for your business.

The payroll software that is right for your business is the one that meets all your budget and payroll support needs. Thanks to the varied options available, it should be easy to find something that is a perfect fit for your business.

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Chelsea Krause

Chelsea Krause

Expert Contributor
Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
Chelsea Krause
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