Gusto vs Personal Capital
A detailed comparison of Gusto and Personal Capital in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Gusto
Payroll, benefits, and HR for small businesses
Gusto is a financial and accounting service that provides payroll, benefits, and hr for small businesses. Founded in 2011 and headquartered in San Francisco, California, Gusto offers 3 pricing plans. Plans start from $40/month. Key features include Payroll, Benefits admin, Time tracking, Hiring. Gusto is a popular choice for users looking for quality finance subscriptions.
Personal Capital
Wealth management and financial planning
Personal Capital is a financial and accounting service that provides wealth management and financial planning. Founded in 2009 and headquartered in San Carlos, California, Personal Capital offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Net worth tracker, Investment analysis, Retirement planner, Fee analyzer. Personal Capital is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Gusto | Personal Capital |
|---|---|---|
| Starting Price | $40/mo | Free |
| Plans Available | 3 | 2 |
| Year Founded | 2011 | 2009 |
| Headquarters | San Francisco, California | San Carlos, California |
| Payroll | ||
| Benefits admin | ||
| Time tracking | ||
| Hiring | ||
| Tax filing | ||
| Workers comp | ||
| Net worth tracker | ||
| Investment analysis | ||
| Retirement planner | ||
| Fee analyzer | ||
| Cash flow | ||
| Budgeting |
Pricing Comparison
Compare all available plans and pricing tiers
Gusto Pricing
Personal Capital Pricing
Frequently Asked Questions
Is Gusto or Personal Capital better in 2026?
Both Gusto and Personal Capital are excellent finance services. Gusto offers Payroll and Benefits admin, while Personal Capital features Net worth tracker and Investment analysis. The best choice depends on your specific needs and budget.
How much does Gusto cost compared to Personal Capital?
Gusto starts at $40/month, while Personal Capital starts at $Free/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Gusto and Personal Capital subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Gusto and Personal Capital. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Gusto, Personal Capital, or both — track all your subscriptions in one place with smart alerts and analytics.