COMPARE
YourAILedger vs Gusto
Gusto runs payroll, benefits and HR. Its Gusto Money tools add invoicing, bill pay and a cash dashboard, but Gusto keeps no books. YourAILedger keeps the books, and Professional ($59/mo) adds inventory and purchase orders.
| Feature | YourAILedger | Gusto |
|---|---|---|
| Main job | Bookkeeping, inventory and purchase orders | Payroll, benefits and HR |
| Price | Flat $29, $59, $99 or $199/mo. No per-person fee. | Payroll plans: $49, $99 or $179/mo, plus $7, $12 or $22 per person |
| Profit & loss and balance sheet | Included on every plan | Not included. Gusto sends payroll entries to separate accounting software. |
| Inventory and purchase orders | Included on Professional ($59/mo) and up | Not offered |
| Customer invoices | Included on every plan | Gusto Money invoicing, run by Melio. Per-payment fees apply. |
| Bank accounts and feeds | CSV/Excel statement import. Live feeds coming soon. | Business bank account, in early beta since October 2026 |
| Payroll | We do not run or file payroll. | Runs payroll and files payroll taxes |
Main job
YourAILedger: Bookkeeping, inventory and purchase orders
Gusto: Payroll, benefits and HR
Price
YourAILedger: Flat $29, $59, $99 or $199/mo. No per-person fee.
Gusto: Payroll plans: $49, $99 or $179/mo, plus $7, $12 or $22 per person
Profit & loss and balance sheet
YourAILedger: Included on every plan
Gusto: Not included. Gusto sends payroll entries to separate accounting software.
Inventory and purchase orders
YourAILedger: Included on Professional ($59/mo) and up
Gusto: Not offered
Customer invoices
YourAILedger: Included on every plan
Gusto: Gusto Money invoicing, run by Melio. Per-payment fees apply.
Bank accounts and feeds
YourAILedger: CSV/Excel statement import. Live feeds coming soon.
Gusto: Business bank account, in early beta since October 2026
Payroll
YourAILedger: We do not run or file payroll.
Gusto: Runs payroll and files payroll taxes
Gusto US prices as of November 2026. Check their website for current pricing.
Where YourAILedger wins
- Your books in one place: income, expenses, invoices, and profit and loss and balance sheet reports.
- Professional ($59/mo) includes inventory, stock alerts and purchase orders. Gusto has none.
- One flat monthly price. Gusto adds $7 to $22 a month for each person you pay.
When Gusto is the better choice
- You need to run payroll and file payroll taxes. We do not run or file payroll or taxes.
- You want health insurance, retirement plans and HR tools for your team.
- You want payroll, invoicing and bill pay in one app.
Already using Gusto for payroll?
Keep it. Gusto runs payroll, and YourAILedger keeps your books, inventory and invoices.
No credit card required. Gusto is a trademark of Gusto, Inc. YourAILedger is not affiliated with Gusto.
See the workflow before choosing a plan
Bookkeeping and inventory, with the next step explained.
Professional is $59 per month and includes inventory and stock alerts, purchase orders, suppliers, customer balances, and QuickBooks export import tools. Compare plan details with your own requirements.
- Explore the public demo using fictional records.
- See current features and access limits before subscribing.
- Academy access is included with an active paid subscription.