Pay your team, file the taxes, sleep at night.
Full-service payroll for W-2 employees and 1099 contractors. Direct deposit, year-end W-2 and 1099, federal and state tax filing, time off tracking, onboarding. All filings handled.
People & Payroll, plainly.
Payroll has more moving parts than any other operations task in a new business. There is the actual pay calculation (gross, withholdings, deductions, net). There is federal income tax withholding, Social Security, Medicare, FUTA. There is state income tax (in 41 states), state unemployment (SUTA), state disability (in 5 states). There are quarterly federal Form 941 filings, year-end W-2s and W-3s. And every step has a deadline.
A modern payroll system handles all of this automatically. You set the salary or hourly rate, you approve the pay run, and the system calculates withholdings, debits your bank, deposits to your team, files the federal and state tax forms, and prints the W-2s in January.
Beyond payroll itself, you also need basic HR infrastructure: time off requests and balances, onboarding (offer letters, I-9, W-4, direct deposit setup), contractor 1099s, organizational charts, and a place to store HR documents. All of this is built in.
Common situations.
What is included.
- Run payroll in any state
- Automatic federal, state, and local tax filing
- W-2 and 1099 generation
- Direct deposit
- Time off tracking and approvals
- Onboarding workflow (I-9, W-4, offer letter)
- Contractor payments with auto 1099-NEC
- HR document storage
- Multi-state employer registration where needed
Four steps. We handle the rest.
How we compare.
- $40/mo + $8/person
- All states included
- Multi-state employer registration
- Single bill with formation
- Free on Growth plan
- Cancel anytime
| Gusto | ADP | OnPay | File.Business | |
|---|---|---|---|---|
| Monthly base | $40 | $50+ | $40 | $40 |
| Per person | $6 | $7 | $6 | $8 |
| Auto tax filing | yes | yes | yes | yes |
| Multi-state | paid tier | enterprise | yes | yes |
| Single bill with formation | no | no | no | yes |
“We grew from 4 to 17 employees in one year. Payroll never broke. The state of Pennsylvania never sent us a single warning letter, and they used to send us one every quarter.”
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
Common questions.
Do you file federal and state payroll taxes?
Can I pay contractors?
Multi-state employees?
Health insurance and 401(k)?
Can I run payroll for owner-only S-Corps?
What if I have to correct a paycheck?
Does payroll connect to my books?
What about workers comp insurance?
Can I run payroll on a custom schedule?
What is included on Growth?
Set up payroll in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.
Four steps from request to delivery
File.Business runs your filing on a single concierge workflow. You provide what we need; we handle the rest.
Tell us what you need
2-minute intake. We confirm the filing type, jurisdiction, and any supporting documents required.
We prepare the filing
Our specialists draft the document, validate against state requirements, and queue for your review where required.
We submit to the state
Filed through the state portal. We pay the state fee, track the submission, and resolve any state correspondence.
Confirmation in your vault
state-required document delivered to your SOC 2 encrypted document vault, with deadline tracking for the next filing.