Payroll you can see
Every paycheck shown as hours × rate, plus overtime at 1.5 times. Type over any number. Different rates for different jobs and night or weekend premiums are built in.
Payroll for small businesses in 49 states
Payroll that feels easy.
Type hours like a spreadsheet and watch every paycheck work itself out. Pay your team, and your payroll taxes, from one file you upload at your own bank. PaySaver.ai keeps track of every tax deadline and never holds your money.
- No credit card
- Cancel anytime
- English & Spanish for your team
- 2 months freeEvery feature, no credit card
- $50 a monthPer business, up to 50 people
- English & SpanishYour team's app speaks both
- Your money stays putPaid from your bank, never through us
How it works
Three steps, every payday
- 1
Get set up
Follow a short checklist, or bring this year's payroll over from Gusto, ADP, QuickBooks or Patriot. Rather not? Our team sets it up for you.
- 2
Check the hours
Hours come in from the time clock. Fix anything like a spreadsheet and see each paycheck worked out: hours × rate, overtime × 1.5, tips.
- 3
Approve and pay
Upload one file at your bank to pay everyone. Pay stubs go to each person's phone, and your tax deposits are ready with the exact amount.
Everything included
All the payroll a small business needs
One plan with every feature. No add-ons, no tiers.
Checks before you pay
Before you approve, PaySaver catches a big jump in take-home pay, a missing W-4, two people with one Social Security number, pay under the minimum wage or a payday on a bank holiday.
Tips done right
Cash and card tips, the tip credit and minimum-wage top-ups (Florida's $11.98 tipped wage too), tip taxes and the Form 8846 worksheet for your tax credit.
Taxes, ready to pay
Every federal and state deposit worked out with its amount and due date. Reminders 7 days and 2 days before. Pay from your bank file or EFTPS in a few clicks.
Forms, filled in
Forms 941 and 940, W-2s and 1099s, Georgia G-7 and DOL-4N, Florida RT-6, Texas C-3 and new-hire reports. A quarter-end check makes sure deposits match.
Time clock & schedule
Your team clocks in from any phone. Approve hours, plan the schedule weeks ahead and see who's working today, who's late and how many hours they're headed for.
An app for your team
Pay stubs, W-4 and I-9 paperwork signed on the phone, the handbook, time off requests and team notices, in English or Spanish.
Switch in an afternoon
A setup checklist shows what's left. Import your people and this year's payroll from your old provider so tax limits and W-2s come out right.
Safe by design
Two-factor sign-in for owners. Social Security and bank numbers are encrypted, and every change is recorded. PaySaver never holds your money.
Also included: your own employee handbook, off-cycle and final paychecks, bonuses, reimbursements, time off, contractors and 1099s, child support orders, job descriptions, team notices and a help center in plain words. See every feature
Your own employee handbook
A handbook made for your business, signed on every phone
Start from a handbook already written for your state, your kind of business and your team size. Change any section in plain words, publish it, and everyone reads and signs it on their phone. You always see who signed which version.
- Sections for your state's rules and your kind of business: restaurant, hotel, bar, store and more
- Edit any section, or add your own policies, then publish a new version in one click
- Your team signs on their phone; you see who signed and who still needs to
Your money stays with you
Pay your team and your taxes from your own bank
PaySaver.ai never holds your money. It works out every paycheck and every tax deposit, then makes one file you upload at your bank: direct deposits for your team, and federal, Texas, Florida or Georgia tax payments if you turn them on.
- Direct deposits and tax payments go out from your business's own bank account
- A test file checks each tax agency before any real money moves
- No holding account, no waiting for our transfers, nothing to reconcile with us
Simple pricing
One plan, one price, 2 months free.
$50 a month per business covers up to 50 people, with every feature included. No per-payroll fees and no charge for year-end forms. Rather not do the typing? Our team can set it up for you.
See pricing2 months free
PaySaver Complete
$50 / month
per business, up to 50 people · then $10 per additional person
- Unlimited payrolls, including off-cycle and final paychecks
- Direct deposit and tax payments from your own bank file
- Federal and state taxes worked out, forms filled in, deadlines tracked
- W-2s and 1099s at year end
- Time clock, schedules and time off
- Your team's app in English and Spanish
- Two-factor sign-in, help center and email support from real people
No credit card required · Cancel anytime
Questions
Straight answers
Do you file and pay my taxes for me?
PaySaver works out every tax, fills in every form and puts each deadline on your dashboard, with email reminders for tax deposits. You stay in charge: pay from the bank file PaySaver makes (or on EFTPS with step-by-step help), and file the forms in a few clicks. Your money never passes through us.
Which states do you support?
PaySaver works out state income tax, unemployment and the state's paid-leave and disability programs in 49 states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming. Georgia, Florida and Texas also have their state forms, new-hire reports and bank-file tax payments built in; in the other states you file on the state's website with the amounts PaySaver gives you. We add a state only after our math matches the state's own published examples. In District of Columbia and Vermont you can still run payroll: PaySaver works out the federal taxes, shows you who to call at the state, and includes the state taxes you enter. Anywhere, you can add your own local taxes for each person.
Is it really free for 2 months?
Yes. Every new business gets 2 months free with every feature. No credit card is needed to start, and you're never charged by surprise.
Can I switch from another provider mid-year?
Yes. Import your old provider's reports (Gusto, ADP, QuickBooks, Patriot and more) and PaySaver picks up this year's totals, so tax limits and W-2s come out right.
Does my team need to download an app?
No. Your team signs in from any phone's browser to see pay stubs, fill in paperwork, request time off and clock in, in English or Spanish.
What if I need help?
Our help center answers the common questions in plain words, and real people answer email. Want it done for you? Our setup team can set up your business for $99.
Make payroll the easiest part of your week
Your first 2 months are free. No credit card, no sales call.