Gusto Mobile vs RichScore

Gusto simplifies payroll, paycheck management, time tracking, expense reimbursement, and savings for small businesses—making it easier to manage tasks on the go with powerful tools for employers, employees, and contractors. For business owners and payroll administrators: Payroll: Easily run regular or off-cycle payroll on the go. Time: Review and approve your team's hours and time off. Team: View and manage critical team information in one place. Onboarding: Add and onboard team members directly from the app. Notifications: Set up notifications and permissions to suit your business. Expenses: Review and approve expense reimbursements on the go.³ For employees: Paychecks: Easily manage paychecks and route money to different bank accounts. Early Pay: Receive paychecks up to 2 days early¹ and access advances between paydays with Gusto Wallet.² Benefits: Manage your benefits or sign up for special offers. Documents: Access and sign important documents. Time: Track your hours and request time off. Expenses: Snap receipts and submit expenses from anywhere. For US contractors: Pay: View payment history, download pay statements, and route money to different bank accounts. Time: Clock in and out, review tracked hours, make updates as needed, and check schedules. Scheduling: View personal and team schedules, and update availability. Documents: Access and sign important documents. ¹ With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer submits the payment file. The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. ² All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank. ³ Available with Gusto Plus and Gusto Premium only

Track your net worth, assets, debts, income, and financial progress in one clean snapshot. RichScore helps you turn your financial picture into a simple score you can understand, save, and track over time. Add your current net worth, income, assets, and debts, then see your RichScore, Money Profile, financial rank, and progress timeline. Whether you are building from zero, paying down debt, growing assets, or just curious where you stand, RichScore gives you a simple way to measure progress without turning personal finance into a spreadsheet. Features include: • Calculate your personal RichScore • Track net worth over time • Save financial snapshots • View your Timeline and progress trends • Add assets such as bank accounts, investments, vehicles, businesses, and properties • Add debts such as credit cards, auto loans, student loans, personal loans, mortgages, and HELOCs • Name accounts for a more personal snapshot experience • Review saved snapshots and historical entries • See your Money Profile based on your current financial picture • Share clean RichScore cards • Use App Lock with Face ID, Touch ID, or passcode RichScore Plus unlocks even more ways to understand your progress, including unlimited saved snapshots, historical entries, full Timeline access, advanced reports, scenario tools, financial calculators, and projected RichScore estimates. RichScore is built for people who want a quick, visual way to track financial progress, understand their money picture, and stay motivated over time. Important: RichScore is for educational and personal tracking purposes only. It is not financial advice, investment advice, tax advice, legal advice, a credit score, or a lending decision.