Gusto vs Relay for therapists

Auto-generated from listing data

At a glance

The differences that matter

Side-by-side facts. Rows where the two tools differ meaningfully are highlighted.

Feature	Gusto	Relay
Pricing from	$49 / mo	$30 / mo
Pricing model	paid	free
HIPAASame	Not listed	Not listed
Free trialSame	Yes	Yes
Target users	Group practices with employees Practices paying 1099 associates Solo therapists making their first hire	Group and growing therapy practices Clinicians budgeting via buckets Practices organizing cash flow
Key features	Automated payroll runs Federal/state/local tax filing Direct deposit Benefits administration	Business checking with sub-accounts Cash-flow budgeting buckets No monthly fees (Standard) FDIC coverage up to $3M
Integrations	FreshBooks Xero QuickBooks Heard Many accounting tools	QuickBooks Xero Accounting tools

Gusto

Pricing from: $49 / mo
Pricing model: paid
HIPAA: Not listed
Free trial: Yes
Target users: Group practices with employees
Practices paying 1099 associates
Solo therapists making their first hire
Key features: Automated payroll runs
Federal/state/local tax filing
Direct deposit
Benefits administration
Integrations: FreshBooks
Xero
QuickBooks
Heard
Many accounting tools

Relay

Pricing from: $30 / mo
Pricing model: free
HIPAA: Not listed
Free trial: Yes
Target users: Group and growing therapy practices
Clinicians budgeting via buckets
Practices organizing cash flow
Key features: Business checking with sub-accounts
Cash-flow budgeting buckets
No monthly fees (Standard)
FDIC coverage up to $3M
Integrations: QuickBooks
Xero
Accounting tools

Pricing

What you actually pay

Starting prices and what they include. The cheaper tool is not always the better value.

Gusto

paid

$49/month

Free trial

Lower price

Relay

free

$30/month

Free trial$19/mo less than the other

Honest assessment

Where each tool wins and loses

Based on hands-on testing. Both tools have real weaknesses worth knowing before you commit.

Gusto

What works well

Easy, reliable payroll and tax filing
Handles W-2 and 1099
Benefits and HR add-ons
Integrates with major accounting tools

Where it falls short

Monthly base fee plus per-person cost
Not therapy-specific
Overkill for a solo with no employees
Benefits features vary by state

Relay

What works well

Sub-accounts for budgeting
No monthly fees (Standard)
High FDIC coverage
Integrates with accounting tools

Where it falls short

Not therapy-specific
APY only on savings
Banking via partner bank
Not a clinical/PHI tool

Take it for a spin

Try them

Both tools offer free trials. The fastest way to confirm a fit is to run one real session through each.

Payroll, benefits, and contractor payments for group therapy practices.

Try Gusto

From $49/moFree trial

Visit Gusto

Business banking with sub-accounts for organizing practice cash flow.

Try Relay

From $30/moFree trial

Visit Relay

About this comparison

This comparison is auto-generated from verified vendor data. We compile pricing, features, and integrations from each vendor's own documentation. For editorial comparisons with hands-on testing, see our editorially reviewed comparisons.

Auto-generated

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