Complementary
HR, Payroll & Time
Last reviewed Jul 14, 2026CableFi vs Gusto
Gusto is full-service payroll, benefits, and HR for small businesses. CableFi's payroll is pay stubs with direct deposit through Stripe — not a full tax-filing payroll processor. Many contractors run both.
TL;DR verdict
Choose CableFi if…
Everything except full payroll tax filings.
Choose Gusto if…
Full-service payroll, benefits, and HR compliance.
Bottom line
Use both. CableFi ops + Gusto payroll is a common combo.
At a glance
| Founded | 2022 | 2011 |
|---|---|---|
| Headquarters | Wilmington, NC | San Francisco, CA |
| Pricing model | Per-organization, unlimited users | Base + per-employee monthly |
| Best for | Structured cabling & low-voltage contractors | Full-service payroll |
| Pricing | One-time lifetime license | Free tier for contractors |
| Offline (PWA) | Full (48h) | No |
| Mobile / PWA | Full PWA | Partial |
| Integrations | Growing | QuickBooks, Xero |
Feature comparison
CableFi capability data is verified against the codebase.
| Feature | CableFi | Gusto |
|---|---|---|
| HR | ||
Payroll (payslips + Stripe direct deposit) Pay stubs + direct deposit through Stripe, paid by ACH from your linked bank account. Not a full tax-filing payroll processor like Gusto/ADP. | ||
HR employee records | Full | Full |
| Field | ||
GPS time clock | Full | Full |
| Project Management | ||
Projects, tasks, scheduling | Full | Not offered |
| Estimating | ||
Manual estimating & materials catalog | Full | Not offered |
Strengths & weaknesses
CableFi strengths
- Time clock + HR records + pay stubs inside the same PWA
Gusto strengths
- Full-service payroll
- Benefits
- Solid HR compliance
CableFi weaknesses
- No federal/state payroll tax filings
- No benefits admin
Gusto weaknesses
- Not a construction ops tool
Pricing
CableFi
Per-organization, unlimited users.
See full pricingGusto
$49/mo base + $6/employee (Simple), higher for Plus/Premium.
Visit GustoWhich should you pick?
Small LV shop wanting one tool
Ops + basic pay stubs, if you don't need full payroll.
→ CableFi
Need full-service payroll & benefits
That is Gusto's core.
→ Gusto
Both
Common combo.
Either works