View paystubs and upcoming payments (for US employees)

Your paystubs show up in Gusto on your pay date (after your employer runs payroll). If you do not see your paystub, contact your employer (previous paystubs may have been with a different payroll system, etc).

How to view or print your paystubs in Gusto

1. Sign in to your Gusto employee profile.
2. Click the Pay section.
   • If you're an admin and do not see this, switch to your employee account. 
3. Click the paystub you wish to see.
4. To print it: Click Download PDF in the top-right corner and print from your browser.

What's on your paystub

• Gross pay: Total money before taxes
• Employee and employer taxes
• Benefits and deductions: Health insurance, retirement, etc.
• Employer contributions: What your company pays for you
• Time off: Vacation and sick days used and earned
• Reimbursements: Money paid back to you
• Your final check amount

How taxes affect your pay

Your net pay = gross pay minus taxes, benefits, and deductions

Pre-tax benefits (like health insurance):

• Lower your taxable wages
• Give you more take-home pay
• Not subject to Federal Income Tax or FICA taxes
• Exception: 401(k) contributions still get FICA taxes but not Federal Income Tax

Tax amounts change if your gross pay changes from paycheck to paycheck.

Types of wages explained

• Gross Wages
  • Total pay before taxes and deductions
  • Includes hourly/salary pay, tips, bonuses, vacation pay, sick pay, holiday pay
• Taxable Wages
  • Part of gross wages that gets taxed for income tax
  • Gross wages minus pre-tax deductions
  • Different taxes may have different taxable wage amounts
• Subject Wages
  • Similar to taxable wages
  • Must be reported on tax returns
  • Based on federal and state rules
  • No taxes taken out of these wages
• Excess Wages
  • Wages that should be taxed but are over the limit
• Exempt Wages
  • Wages that don't get taxed
  • Could be over the wage limit for certain taxes
  • Could be reimbursements that aren't taxable

The Upcoming Paychecks feature is a real-time payroll status tool available to you in your Gusto account and the Gusto mobile app.

This tool displays all upcoming payments, and each payment will remain here until the payday passes. After this, you can view all prior payments from the Pay section of your account.

If there are issues with your payment after payday, we'll email you. 

Note: This feature is only available to some users.

Paycheck Estimate is a feature provided to employees who are paid through Gusto that allows them to view an estimate of their upcoming pay. It may become available up to 4 business days before the check date and will disappear on the check date of the payroll when the official paystub is available. 

This feature is exclusive to the Gusto mobile app. Employees will not be able to access this feature through www.gusto.com. 

Access your paycheck estimate

1. Sign in to the Gusto mobile app.
2. Click the Upcoming Paychecks Payment Tracker. This will show the status of an upcoming payroll.
3. Select Show paycheck estimate. 
   • If this is not an option, it could be that: 
     • The payroll is reversed or canceled.
     • Today is the check date of the payroll—refer to the official paystub.
     • The payroll settings have been updated.

Discrepancies in the estimate

The amount displayed is an estimate of pay. The estimate may not be accurate and is subject to change based on various factors. If you think the estimate is wrong, wait for the official paystub on the check date.

If the official paystub seems incorrect, contact your employer for more info.

You can view how you're being paid (salary, hourly, etc.), your job title, and your wages at any time in your account by following the steps below.

1. Sign in to Gusto.
2. Click My profile.
3. Go to the Pay section.
4. Review the details in the “Compensation” box.

Your pay date depends on when your employer sends your payroll through Gusto. Once your employer runs payroll, use this guide to fix any payment problems.

Non-US (international) contractors: If you have payment issues, ask your employer to message us through their Gusto account.

How direct deposit works

• Your employer submits payroll to Gusto
• Gusto sends direct deposit payments electronically to your bank
• You get an email from Gusto on payday
• Your paystub shows up in your account (learn where you can find them in Gusto in this article)
• Banks have until 5 PM local time to put money in your account

Important: Each company has different payment speeds. Ask your employer about your specific pay date. Gusto cannot answer questions about payments until your actual payday.

How check payments work

Your employer is responsible for giving you or sending you your paper check. Check your paystub in Gusto to see if you're getting paid by direct deposit or check.

My payment is missing—what do I do?

If you do not see money in your account on payday (allow until 5pm local time), or you believe there's a delay, follow these steps:

Step 1: Check your account

Make sure you're signed in to the right Gusto profile. If you have multiple accounts, try switching to a different one.

Step 2: Check your payment method

1. See if you're set up for direct deposit in your profile.
   • Note: Even if you have direct deposit set up, your employer can still choose to pay you by check.
2. Look at your paystub in Gusto to see if you're getting paid by direct deposit or check.
   
   • If it says "check," your employer should give you a paper check. The money will not appear in your bank if you're paid by check.

Step 3: Check your bank information

Make sure your bank details are correct:

Look for the test payment:

• Gusto sends a $0.01 test payment when you add bank info
• You should see this within 1-2 business days
• If you do not see it, your bank info might be wrong

If your bank info is wrong (and we got an error trying to deposit funds):

• Update your existing bank information—we'll automatically try to resend the payment to the new account.
• If you fully remove your old bank account and add a new one:
  • For US employees: We'll automatically try to resend the payment to the new account.
  • For all other users: You need to message us from the  section of your account to resend your payment.

If you recently changed banks:

• Check your old bank account for the payment
• If you cannot access your old account, message us from the  section of your account to get your "ACH trace ID" (payment tracking number)
• Then call your bank to help find the payment

Step 4: Check for pending payments

Sign in to your current bank account or call your bank. Ask if there are any pending payments (credits) coming to your account.

Still need help?

1. Contact your employer first. Ask them these questions:
   • When is my expected pay date?
   • Am I being paid by direct deposit or check?
   • Can you confirm my bank account details are correct?
   • Can you check my payment details?
2. If your employer cannot help, they can message us from the  section of their admin account. Our team can give them detailed information about your payment or any errors.

FAQs

Q: When will my direct deposit arrive?

A: Banks have until 5 PM local time on payday to put money in your account.

Q: Why don't I see my payment?

A: Check if you're paid by direct deposit or check. Look at your paystub in Gusto.

Q: My bank info changed. What do I do?

A: Update your existing bank information in Gusto.

If you fully remove your old bank account and add a new one (after getting a bank error):

• For US employees: We'll automatically try to resend the payment to the new account.
• For all other users: You need to message us from the  section of your account to resend your payment.

Q: Who do I contact for help?

A: Contact your employer first. If they cannot help, they can contact Gusto support for you.