Gusto, Rippling, and Justworks all run payroll and file your taxes, and all three now market AI somewhere in the product. The real gap shows up in how they price and how much of the platform you have to buy to get payroll working. I pulled 2026 pricing and cross-checked it against G2 and Capterra review data to sort which one earns its cost for a 5-person shop, a 30-person company, and a team that wants benefits handled for it.
Every payroll product now advertises AI, but the label mostly covers two things: a chat assistant that answers payroll questions and an anomaly checker that flags a bad run before you submit it. I pulled live 2026 pricing for seven AI payroll tools small businesses shortlist, cross-checked the sticker prices against vendor pages, and sorted which one earns its monthly cost at which headcount.
Every HR platform now ships an AI assistant, but the label covers everything from a chatbot that answers policy questions to a system that can approve PTO and change a salary on command. I pulled live 2026 pricing for six AI HR tools small businesses actually buy, cross-checked the per-employee math against vendor pages, and sorted which one fits your team size and how you run it.