Best Nanny and Household Employer Payroll Software (2026)

The research in brief

Poppins Payroll is the consensus leader for nanny and household employer payroll, named by all 7 platforms studied and ranked first by five of them, with a $49/month one-employee subscription that includes payroll processing, tax payments, quarterly filings, and year-end W-2, W-3, and Schedule H preparation for active accounts ^[92]. GTM Payroll EasyPay is the strongest alternative for households that want live phone, text, and web-chat support plus optional HR tiers, Care.com HomePay is the strongest alternative for concierge-style tax-notice handling and a six-month refund guarantee, and SurePayroll is the strongest alternative for the lowest full-service base price. The study covered 7 platforms - ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini - using one standardized prompt sent once to each. The principal limitation is that company-owned citations materially outnumber independent citations, so many product claims are platform-reported or vendor-reported rather than independently verified.

Research Snapshot

• Topic: Best nanny and household employer payroll software
• Target buyer: A household that has just hired a nanny, senior caregiver, or housekeeper and needs to legally pay them and handle household employment taxes
• Use case: Nanny and household employer payroll
• Geography: United States
• Research date: 2026-10-01
• Platforms included: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini (7 platforms)
• Unique entities named across platforms: 15
• Qualifying entities: 8
• Eligibility rule: Named by at least two platforms during ranking discovery
• Ranking rule: Platform mentions, then average listed rank, then best listed rank
• Research prompt: One standardized prompt asking which providers to recommend for a family that recently hired a full-time nanny, is not a business owner, and needs legal pay, correct withholding, and required household employment tax paperwork

Platform mentions count only ranking-discovery mentions. All included platforms evaluated fit, but a platform that did not name an entity during ranking discovery is not counted as a mention for that entity.

The Consensus Ranking

Questions explored

• What are the best household payroll services for nanny and household employer payroll in 2026?
• Which nanny payroll provider was named by the most AI platforms in this 7-platform study?
• Which household payroll services qualify for the consensus ranking by being named by at least two platforms?

The table below is the final ranking. It is the sole authority for rank, platform mentions, platform share, average listed position, and best position.

Which provider fits your situation?

Questions explored

• Which household payroll service should a first-time nanny employer choose if they want the lowest predictable monthly price?
• Is GTM Payroll EasyPay or Care.com HomePay better for a household that wants live human support and tax-notice handling?
• Which nanny payroll provider should a cost-sensitive household choose if they are willing to file quarterly taxes themselves?

Different households need different things from the same category. The table below maps buyer situations to the ranked entities that the evidence best supports for that situation. It does not change the ranking order.

1. Poppins Payroll

Questions explored

• Is Poppins Payroll worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service has the lowest published monthly price for one employee with year-end W-2 and Schedule H included?
• What should a buyer check before choosing Poppins Payroll for household payroll if they might cancel mid-year?

Poppins Payroll is the consensus leader in this study: it was named by all 7 platforms, ranked first by five of them, and its average listed position of 1.43 is the best in the ranking. The verdict across platforms is that it is purpose-built for household employers rather than adapted from business payroll, and that its $49/month one-employee subscription covers the core compliance workflow a newly hiring family needs ^[92].

Why it ranked here. Poppins was the only entity named by every platform, and it was ranked first by ChatGPT, Claude, Gemini, Grok, and Kimi, with Perplexity placing it second and DeepSeek third ^[110]. That combination of near-universal mention and consistently top placement produced the strongest average listed position in the table.

Best suited for. First-time household employers who want guided setup and managed federal and state payroll compliance; households with one employee seeking a predictable monthly subscription; and employers wanting direct deposit, electronic paystubs, payroll records, and year-end W-2 and Schedule H preparation.

Main strengths for the use case. Poppins states that the $49/month subscription includes payroll processing, tax payments, quarterly filings, and year-end tax documents (W-2, W-3, and Schedule H) for active accounts, and that federal and state tax account registrations are handled as required based on applicable employment laws and thresholds ^[92]. The dashboard supports weekly, biweekly, semimonthly, or monthly pay schedules unless restricted by state rules, and payroll can run automatically when pay details remain unchanged ^[113]. Employees receive emailed paystubs and can access payroll records through an employee cubby, with eligible year-end tax documents available electronically ^[102]. Poppins also states it handles required federal and state employer registrations, sends employee onboarding forms, and recommends completing onboarding about one week before the employee starts ^[108]. Multiple platforms noted PTO and sick-leave tracking, custom policies, multiple hourly rates, overtime, and reimbursements as included features ^[110].

Main limitations. The $49 price does not necessarily cover state registration charges, prior-period payroll, amendments, or post-closure filings ^[117]. Closing the account before quarter-end or year-end can create additional compliance charges: Poppins states a $49 charge for post-closure quarter-end filings and a $110 charge for year-end filings when the customer quits before year-end and requests those documents ^[117]. Poppins markets accurate and on-time filing support and says it will cover a penalty if it causes one, but its terms state that the user remains responsible for taxes not collected and disclaim liability for taxes - a conflict buyers should reconcile before purchase ^[114]. Payroll is processed in arrears, with payment generally occurring one week after the work week, which may not suit employees expecting same-week payment ^[113]. Google reported that Poppins does not act as a full tax agent, meaning the employer must manage received state tax agency notices themselves, and that employees cannot log, edit, or submit their own timesheets directly ^[170].

2. GTM Payroll EasyPay

Questions explored

• Is GTM Payroll EasyPay worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they need phone, text, and web-chat support plus optional HR advisory tiers?
• What should a buyer verify before choosing GTM Payroll EasyPay if year-end W-2, W-3, and Schedule H preparation might be billed separately?

GTM Payroll EasyPay tied Poppins for the most platform mentions (7) but landed at rank 2 because its average listed position of 3.86 is materially worse. The consensus is that GTM is a strong compliance and support option whose base price is higher than several competitors and whose year-end tax-document service is described as optional with no published fee on the reviewed pricing page ^[14].

Why it ranked here. GTM was named by all 7 platforms, but its placements were spread: DeepSeek ranked it first, ChatGPT third, and Claude, Grok, Kimi, and Perplexity placed it fourth or fifth, with Gemini placing it sixth ^[216]. That spread produced the second-best mention count but a much weaker average position than Poppins.

Best suited for. First-time household employers wanting setup and compliance assistance; households wanting payroll processing, tax preparation and filing, direct deposit, timekeeping, and employee self-onboarding in one service; and employers who value phone, email, text, and web-chat support.

Main strengths for the use case. GTM advertises the EasyPay Tax & Payroll plan starting at $70 per month with the first employee included, employer setup included, and $20 per month for each additional employee ^[14]. The listed scope includes automated payroll, direct deposit, withholding and deduction calculations, federal/state/local tax preparation and filing, tax-notice support, new-hire reporting, employer tax-ID setup, employee self-onboarding, and client support ^[14]. Anthropic reported that setup is completed in approximately 10 minutes online or by phone, that HomePunch timekeeping is included with the base plan (valued at $20/month), and that GTM is SOC 1 compliant per a third-party AICPA audit ^[14]. Google reported a 100% tax accuracy guarantee covering penalties and fines if GTM makes an error, plus unlimited client support via phone, email, text, and live web chat ^[4]. Deepseek noted unlimited audit support included at all paid levels and access to certified household HR advisors on higher tiers ^[216].

Main limitations. The advertised $70 monthly price is a starting price and excludes additional employees ^[14]. Year-end W-2, W-3, and Schedule H preparation is described as optional, with no fee published on the reviewed pricing page ^[14]. Google reported that year-end tax document preparation is treated as an optional, extra-fee service rather than bundled into the standard EasyPay monthly pricing, with partner resources reporting the annual fee between $100 and $125 ^[145]. The tax-filing guarantee is conditional on GTM having made the filing and being at fault ^[14]. HR Platinum and Diamond tiers require 12-month minimum contracts and a $75 one-time setup fee, with HR Platinum starting at $132/month and Diamond at $232/month ^[14]. Kimi rated the fit "mixed," noting that the higher base price, setup fee, contract requirements, and unclear year-end form policies make it less suitable for simple, cost-sensitive household payroll needs ^[216].

3. Care.com HomePay

Questions explored

• Is Care.com HomePay worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they want state tax notices handled by the provider and a six-month refund guarantee?
• Is Care.com HomePay or Poppins Payroll better for household payroll when published monthly price matters?

Care.com HomePay ranked third with 6 platform mentions and the second-best average listed position (2.50) in the table. The consensus is that it is a specialized, high-touch household payroll service with strong guarantees and a premium price, and that its core filing service is functionally similar to less expensive competitors ^[133].

Why it ranked here. HomePay was named by 6 of 7 platforms and was ranked first by Perplexity, second by Claude and DeepSeek, and third by Gemini and Grok, with ChatGPT placing it fourth ^[59]. Its average position of 2.50 is better than GTM's despite one fewer mention, which is why it sits at rank 3 rather than rank 2.

Best suited for. Households hiring a nanny, senior caregiver, housekeeper, or similar household employee for the first time; employers who want the provider to prepare and file federal and state household employment tax returns; and families that value setup guidance, direct deposit, employee self-service information, and ongoing access to household-employment specialists.

Main strengths for the use case. HomePay's official pricing page lists Essentials at $59 per month and Plus at $75 per month ^[59]. Google reported that both plans include year-end tax document preparation (W-2, W-3, and Schedule H) and quarterly federal/state tax filings with no separate year-end or registration fees as of 2026 ^[135]. Anthropic reported that HomePay receives state tax notices on the family's behalf and handles correspondence, reducing compliance burden for first-time employers, and that the service has specialized exclusively in household employment since 1992 as Breedlove & Associates ^[180]. The official page describes a six-month Happiness Guarantee reimbursing all HomePay fees paid if the client is unhappy within the first six months, and a Service Accuracy Guarantee covering tax returns filed accurately and on time and tax remittances paid on schedule if complete and accurate information is received by the end of the calendar quarter ^[57]. Grok reported the Plus plan includes an employee app for logging hours, time off, and expenses, and that direct deposit is included as standard on both plans ^[59].

Main limitations. HomePay is the most expensive mainstream option in this study: Claude calculated annual costs of $708 for Essentials and $900 for Plus, versus $588/year for Poppins, and described the price difference as buying support depth and brand specialization rather than better compliance ^[133]. Anthropic also reported that the interface is described as "dated" compared to newer competitors, that the Essentials tier lacks dedicated tax ID support (only Plus includes phone support for EIN and state ID registration), and that quarterly billing is the only option ^[206]. Google reported that HomePay only supports direct deposit and does not facilitate in-house paper check printing or cash app deposits ^[166].

4. SurePayroll

Questions explored

• Is SurePayroll worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service has the lowest full-service base price for one employee with Schedule H and W-2 generation?
• What should a buyer verify before choosing SurePayroll if they need state tax filing coverage and year-end form pricing?

SurePayroll ranked fourth with 6 platform mentions and an average listed position of 3.67. The consensus is that it is the lowest-priced full-service option with a dedicated household plan, backed by Paychex infrastructure, but that its interface is business-oriented, its household-specific guidance is thinner than specialists, and its state coverage and year-end fee treatment require verification ^[133].

Why it ranked here. SurePayroll was named by 6 of 7 platforms, ranked second by ChatGPT and Gemini, third by Claude, fourth by Perplexity, fifth by Kimi, and sixth by DeepSeek ^[130]. Its average position of 3.67 places it just behind Care.com HomePay.

Best suited for. First-time household employers seeking a largely automated payroll and tax-filing workflow; households with one primary W-2 household employee; and employers wanting mobile payroll, automatic scheduling, direct deposit, employee paystub access, and year-end forms.

Main strengths for the use case. SurePayroll's official pricing page displays a Nanny and Household plan starting at $39/month including one employee, with $45/month shown as the crossed-out price ^[123]. The household page states that federal and state taxes are filed and deposited automatically, and lists state tax ID registration assistance, free onboarding assistance, mobile payroll, automatic scheduling, unlimited payroll runs, free 2-day direct deposit, and a signature-ready Schedule H ^[130]. Google reported the plan provides a signature-ready Schedule H form for families to file with their personal federal tax return, which it described as a key differentiator from standard small business payroll services, and that employees get their own online self-service portal and mobile app for paystubs, direct deposit details, and year-end W-2 forms ^[172]. Anthropic reported that SurePayroll is backed by Paychex, which processes payroll for over 700,000 businesses, and that unlimited payroll runs carry no extra charge ^[203]. Kimi reported U.S.-based support available evenings and weekends, though not 24/7 ^[216].

Main limitations. Anthropic reported that the interface is business payroll first, with contractor tools and small-business terminology a family paying one nanny does not need, and household-specific guidance thinner than at Poppins or HomePay ^[133]. Google reported that year-end W-2 and 1099 form processing is billed as an annual add-on, typically around $50, on top of the monthly base subscription, and that there is no built-in time tracking, requiring manual entry or a paid external time-clock integration ^[161]. Anthropic reported that multi-state tax filing and local tax filing each carry a $9.99/month flat-rate add-on, that additional household employee pricing is unpublished as of October 2026, and that independent reports document tax filing failures despite the full-service promise, including a customer report that SurePayroll did not file reemployment taxes despite deducting them from payroll ^[184]. Deepseek rated the fit "mixed," noting that the household-specific product naming, scope, and availability could not be verified on the official website in its research ^[121].

5. Nest Payroll

Questions explored

• Is Nest Payroll worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they want the lowest monthly price with Venmo or Cash App payments instead of direct deposit?
• What should a buyer verify before choosing Nest Payroll if they need an employee self-service portal or phone support?

Nest Payroll ranked fifth with 5 platform mentions and an average listed position of 4.40. The consensus is that it is one of the most affordable full-service options with fast onboarding and a built-in catch-up service, but that it lacks traditional direct deposit, has no verified employee self-service portal, and offers text and email support only ^[28].

Why it ranked here. Nest was named by 5 of 7 platforms, ranked second by Grok and Kimi, fourth by Gemini, and seventh by Claude and Perplexity ^[201]. Its average position of 4.40 reflects that split between platforms that placed it near the top on price and platforms that placed it lower on capability gaps.

Best suited for. First-time household employers who want payroll and household tax administration handled rather than performing it themselves; households with one employee and recurring payroll; and buyers seeking federal and state registration, payroll tax filings, tax payments, W-2 preparation, and Schedule H support in one service.

Main strengths for the use case. Nest's official pricing page lists Essentials at $42/month for one employee, Essentials Plus at $49/month for up to two employees, and Professional at $69/month for up to six employees, with no setup fees, no per-payroll charges, no annual contract, and a 14-day free trial ^[34]. Nest states it sets up federal and state tax accounts, handles all required quarterly and annual tax filings, and delivers W-2s, W-3, and Schedule H by the end of January for active subscriptions ^[28]. Anthropic reported that setup takes about 5 minutes, that Nest handles federal and state tax registration, withholding, quarterly filings, year-end W-2s, and Schedule H automatically, and that its published FICA threshold ($3,000 for 2026) and W-2 treatment match IRS Publication 926 and IRS Topic No. 756 ^[32]. Nest also offers a built-in catch-up service for prior unreported wages, priced at $42/month per employee with a three-month minimum plus a $149 year-end tax work fee per catch-up year ^[34]. Deepseek rated the fit "strong" and noted Nest is compliant in all 50 states and handles new hire reports ^[29].

Main limitations. Nest does not offer traditional direct deposit; employers pay through integrated Cash App or Venmo, or separately by Zelle or check ^[28]. Anthropic reported the app is iOS-first with limited Android support, that there is no robust payroll reporting or spending dashboard, and that one user reported a week-long delay for an employee to receive funds through Nest's payment option ^[177]. Support is text and email only, with no phone support mentioned in company materials ^[29]. If the subscription is canceled before year-end W-2s and Schedule H are processed in January, a one-time $149 year-end tax work charge applies ^[34]. Google reported that Nest lacks employee self-service features, meaning employers must enter worker details and share generated pay stubs manually ^[151].

6. NannyKeeper

Questions explored

• Is NannyKeeper worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they want the lowest annual cost and are willing to file quarterly taxes themselves?
• What should a buyer verify before choosing NannyKeeper if they need the provider to file and pay household employment taxes?

NannyKeeper ranked sixth with 3 platform mentions and an average listed position of 5.33. The consensus is that it is the lowest-cost full-featured self-service option, with accurate tax calculations and year-end document generation, but that it does not file or pay taxes on the employer's behalf and that its pricing and plan details are inconsistent across official pages ^[69].

Why it ranked here. NannyKeeper was named by 3 of 7 platforms, ranked third by Perplexity, sixth by Claude, and seventh by Kimi ^[80]. Its average position of 5.33 reflects that it qualified on mentions but was placed lower than the full-service leaders.

Best suited for. A first-time household employer with one nanny, caregiver, or housekeeper; households wanting inexpensive payroll software rather than a high-touch managed payroll provider; and households needing federal and state tax calculations, pay stubs, W-2 preparation, and Schedule H preparation.

Main strengths for the use case. NannyKeeper's pricing page lists a free tracking plan, Starter at $8/month or $100 annually for one household employee, and Plus at $15/month or $180 annually for up to five employees with Autopilot ^[80]. The company states that paid plans generate employee W-2s and Schedule H materials, that it calculates federal, state, Social Security, Medicare, and FUTA taxes, and that it supports all 50 states ^[69]. Anthropic reported that W-2 PDFs include all six required copies with correct box entries including the new 2026 Code TT for qualified overtime, and that Schedule H calculations are prepared for export into tax software ^[72]. Anthropic also reported that an independent review confirmed NannyKeeper is legitimate software that calculates to 2026 IRS figures, produces genuine pay stubs and a W-2, and does not push illegal shortcuts, and that it correctly classifies household workers as W-2 employees rather than 1099 contractors ^[192]. Setup is advertised at about 10 minutes, with a first-time employer checklist, EIN guidance, and a free tier that includes threshold monitoring ^[69].

Main limitations. NannyKeeper does not file taxes or forms on the employer's behalf: users must submit W-2s to the SSA and Schedule H with their personal 1040, which the company estimates at about 15 minutes per quarter ^[207]. Direct deposit is not free: it costs $8 per transfer on Starter and $6 per transfer on Plus, plus a 0.8% surcharge on the portion of a transfer over $1,000 ^[69]. Support is email-only, with no phone support ^[195]. Google reported that applying for a federal EIN is only included in the annual billing option of the Plus plan, and that Starter plan users must obtain their EIN and set up state tax accounts independently ^[52]. Kimi rated the fit "uncertain," noting that no independent reviews, third-party journalism, or government sources confirmed current pricing, feature set, or tax compliance capabilities, and that the $8/month price is an extreme outlier versus verified competitors at $42–$75/month ^[69].

7. NannyPay

Questions explored

• Is NannyPay worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they want the lowest annual license for DIY payroll software covering up to three employees?
• What should a buyer verify before choosing NannyPay if they need the provider to file and remit household employment taxes?

NannyPay ranked seventh with 2 platform mentions and an average listed position of 6.50. The consensus is that it is a low-cost DIY software product that calculates taxes and generates year-end forms, but that the employer remains responsible for all filings, payments, and registrations, and that no worker self-service portal or direct deposit was identified ^[84].

Why it ranked here. NannyPay was named by 2 of 7 platforms, ranked fifth by DeepSeek and eighth by Claude ^[26]. It qualified on the two-mention threshold but was placed near the bottom of the ranking.

Best suited for. One household employing up to three nannies, caregivers, housekeepers, or other household employees; cost-sensitive first-time employers comfortable following guided software and IRS/state instructions; and buyers who primarily need payroll calculations, pay stubs, W-2/W-3 preparation, Schedule H support, and recordkeeping.

Main strengths for the use case. NannyPay lists the cloud plan for up to three employees at $199.95 per calendar year, including tax-table and software updates, W-2/W-3 forms, Schedule H, printed checks, unlimited email support, automatic backups, and NannyPay University ^[84]. The product states that it calculates federal and state income, Social Security, Medicare, and other payroll taxes; generates Schedule H; and prints Forms W-2 and W-3 ^[89]. It includes a setup wizard, a household employer guide, and an online course for first-time household employers ^[86]. Google reported the software automatically calculates federal and state withholdings (FICA, Medicare, FUTA, SUTA) for accurate pay stub creation and generates signature-ready Schedule H, W-2, and W-3 forms ^[83]. Anthropic reported the software supports all fifty states and federal income tax withholdings and updates tax tables automatically for annual subscriptions ^[87].

Main limitations. NannyPay does not file taxes on behalf of the employer or remit payments to the IRS or state: the household employer is responsible for all federal and state tax account registration, quarterly filings, and payments ^[162]. It does not support traditional direct deposit, so the employer must pay via check, Venmo, PayPal, bank bill pay, or similar third-party method ^[85]. No worker-facing self-service portal or employee pay-access account was identified in the reviewed materials ^[84]. Support is unlimited email only, with no phone support or individual tax compliance advice ^[164]. Anthropic reported that user reviews note the interface is confusing and that lack of guidance on proper tax submission can lead to IRS audit risk, with one user reporting a $3,000+ IRS bill due to inadequate guidance ^[215]. Google reported the software requires an estimated 3 to 4 hours of self-education to ensure correct initial tax configurations ^[83]. Kimi rated the fit "uncertain" because the official website could not be retrieved during its research and no independent reviews, journalism, or directory listings for NannyPay were found in 2026 search results ^[26].

8. Gusto

Questions explored

• Is Gusto worth it for nanny and household employer payroll, and what are its main drawbacks?
• Which household payroll service should a buyer choose if they are actually operating a business payroll account rather than employing a household worker?
• What should a buyer verify before choosing Gusto if they need Schedule H preparation and household-employer tax registration?

Gusto ranked eighth with 2 platform mentions and the worst average listed position in the table (8.00). The consensus is that Gusto is a weak fit for household employers because Gusto's own documentation states it does not support household employer payroll and directs household employers to Poppins Payroll ^[43].

Why it ranked here. Gusto was named by 2 of 7 platforms, ranked seventh by DeepSeek and ninth by Claude ^[223]. It qualified on the two-mention threshold but was placed last because the platforms that named it largely did so to explain why it does not fit the use case.

Best suited for. A household that is actually operating a business payroll account rather than employing a worker solely as a household employee; a buyer willing to use Gusto only for general employee payroll after independently confirming that the worker and tax filings are supported; and small businesses with traditional employees or contractors, not household employers.

Main strengths for the use case. Gusto provides general payroll infrastructure such as pay calculations, employee self-service, and standard W-2 workflows, and it clearly identifies the household-employer problem and points buyers toward a specialized alternative ^[43]. Gusto's household-payroll page recommends Poppins Payroll, describing it as handling household payroll, taxes, compliance, W-2 and Schedule H support, and direct deposit or checks ^[23]. Anthropic reported Gusto's user interface is widely praised for ease of use and intuitive design, which could appeal to non-business-owner household employers, and that the Poppins partnership offers a curated pathway to appropriate household payroll software ^[157].

Main limitations. Gusto explicitly states that it does not support household employer payroll because household tax rules differ from regular employee and contractor rules ^[43]. Gusto's platform is built around Form 941 and business tax accounts, not Schedule H and household-specific tax rules, and it does not file Schedule H for nanny taxes ^[133]. Gusto's standard onboarding requires a FEIN, business entity information, and state or local payroll account details, which is not evidence that Gusto supports an individual household employer's household-payroll setup ^[40]. The proposed "Gusto Household Payroll Plan" could not be verified as an actively supported Gusto product ^[43]. Kimi rated the fit "weak," noting that no verified evidence confirms Gusto offers a purpose-built household payroll plan matching the specialized features, guided onboarding, and flat household pricing of dedicated competitors ^[17]. Google rated the fit "weak" and noted that using the recommended partner service requires signing up for a completely separate service, preventing a single-dashboard experience ^[47].

Pricing or cost summary. Gusto's published general-business pricing lists Simple at $49 per month plus $6 per person and Plus at $80 per month plus $12 per person, but those prices are not evidence that household payroll is supported or that the plans are suitable for a domestic worker ^[21]. Anthropic reported the Premium plan costs $180/month plus $22 per employee ^[148].

What this study reveals

Questions explored

• What does a 7-platform AI consensus study reveal about how household payroll services are positioned for nanny employers?
• Which household payroll services are described as full-service versus self-service in this study?

The first pattern is that the market splits cleanly into two service models. Full-service providers - Poppins Payroll, GTM Payroll EasyPay, Care.com HomePay, SurePayroll, and Nest Payroll - are described as handling tax payments, filings, and year-end documents on the employer's behalf, with the employer supplying accurate information and funding ^[92]. Self-service providers - NannyKeeper and NannyPay - are described as calculating taxes and generating forms while the employer files and pays ^[207]. Gusto sits outside both models because it states it does not support household payroll at all ^[43].

The second pattern is that published base prices cluster tightly among full-service options while the scope of what is included varies widely. Poppins is $49/month for one employee with year-end forms included for active accounts ^[92]. Nest is $42/month for one employee with year-end forms included for active subscriptions ^[34]. SurePayroll displays $39/month promotional with $45 crossed out, but year-end W-2 processing is billed as an annual add-on in some evidence ^[123]. HomePay is $59/month for Essentials and $75/month for Plus ^[59]. GTM starts at $70/month with year-end forms described as optional ^[14]. That means the headline monthly price is not a reliable proxy for total annual cost in this category.

The third pattern is that year-end document treatment is the single most contested detail across platforms.

Where the AI Platforms Agreed

Questions explored

• Which household payroll service did all 7 AI platforms agree on for nanny and household employer payroll?
• What did the AI platforms agree on about year-end W-2 and Schedule H preparation for household employers?

All 7 platforms named Poppins Payroll and GTM Payroll EasyPay, making them the only two entities with 100% platform share ^[110]. Six of 7 platforms named Care.com HomePay and SurePayroll ^[57]. Five named Nest Payroll ^[34].

Platforms broadly agreed that Poppins Payroll is purpose-built for household employers rather than adapted from business payroll, and that its $49/month subscription covers the core compliance workflow ^[92]. Platforms also broadly agreed that Gusto does not support household employer payroll and directs household employers elsewhere ^[43].

Platforms agreed that year-end W-2 and Schedule H preparation is a core requirement for this use case, and that the IRS requires household employers to handle Social Security, Medicare, FUTA, W-2, and Schedule H obligations when applicable ^[187]. Platforms also agreed that household workers are generally W-2 employees rather than independent contractors when the household controls how the work is done ^[28].

Where the AI Platforms Disagreed

Questions explored

• Where did the AI platforms disagree about household payroll service pricing and year-end form inclusion?
• Which household payroll services had conflicting fit ratings across the 7 AI platforms?

The largest disagreement was about year-end form inclusion and pricing for GTM Payroll EasyPay and SurePayroll. Deepseek reported that multiple sources confirm GTM's base plan covers W-2, W-3, and Schedule H at no additional charge, while Claude, Kimi, and Gemini described year-end preparation as optional with unclear or extra cost ^[216]. For SurePayroll, Gemini reported a $50 annual year-end form fee while Perplexity said independent coverage conflicts on whether year-end forms cost extra and that company pages do not fully resolve it ^[161].

The second disagreement was about employee self-service. Openai, DeepSeek, Grok, and Kimi described Poppins employee paystub and tax-form access, while Perplexity said the public sources it checked did not clearly verify a dedicated employee self-service portal ^[102]. For Nest, DeepSeek, Claude, Kimi, and Gemini reported no employee self-service portal, while Perplexity said public sources conflict on whether integrated pay-app support exists ^[29].

The third disagreement was about fit ratings. Poppins ranged from "strong" to "good" ^[110]. GTM ranged from "good" to "mixed" ^[14]. SurePayroll ranged from "strong" to "mixed" ^[169]. NannyKeeper ranged from "strong" to "uncertain" ^[80]. Gusto ranged from "weak" to "mixed" ^[43].

The fourth disagreement was about state availability and coverage.

How to compare your options

Questions explored

• How should a first-time household employer choose between Poppins Payroll, GTM Payroll EasyPay, Care.com HomePay, SurePayroll, and Nest Payroll?
• What should a buyer check before choosing a household payroll service if they need a specific state's tax registration and filing coverage?

Start with the service model. If the household wants the provider to file and pay household employment taxes, the full-service options are Poppins Payroll, GTM Payroll EasyPay, Care.com HomePay, SurePayroll, and Nest Payroll ^[92]. If the household is comfortable filing quarterly taxes and submitting W-2s and Schedule H itself, NannyKeeper and NannyPay are the low-cost self-service options ^[207].

Then compare total annual cost, not headline monthly price. Poppins at $49/month with year-end forms included for active accounts, Nest at $42/month with year-end forms included for active subscriptions, and HomePay at $59–$75/month with year-end forms included are the most predictable all-in structures in the evidence ^[92]. GTM and SurePayroll require confirming whether year-end forms are included or billed separately ^[145].

Then verify state coverage. Multiple platforms flagged that state-specific registration, unemployment, paid-leave, and local tax handling varies and should be confirmed for the household's exact state and locality before purchase ^[117].

Then verify employee-facing features. If the nanny needs to log hours or access paystubs independently, confirm which plan includes that capability, because the evidence shows it varies by provider and tier ^[213].

Finally, verify cancellation and post-closure terms.

Methodology

This study used one standardized prompt sent once to each of 7 included platforms: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. The prompt asked which providers to recommend for a family that recently hired a full-time nanny, is not a business owner, and needs to legally pay the employee, withhold the right taxes, and file required household employment tax paperwork.

The research date for this run is 2026-10-01. Platform-reported research dates are provenance metadata and do not independently prove freshness. Some platforms reported different internal research dates than the authoritative run date, and that discrepancy is disclosed as a methodology limitation below.

Entities qualified for the final ranking if they were named by at least two platforms during ranking discovery. Fifteen unique entities were named across platforms, and 8 qualified. The final ranking order is based on platform mentions, then average listed rank, then best listed rank. The ranking table is the sole authority for rank, platform mentions, platform share, average listed position, and best position.

Platform mentions count only ranking-discovery mentions. All included platforms evaluated fit, but a platform that did not name an entity during ranking discovery is not counted as a mention for that entity.

Citations are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage. Company-owned citations materially outnumber independent citations in several entity bundles, so company claims should not be described as independently verified.

Research limitations

This study has several limitations that buyers should weigh.

First, it used one standardized prompt sent once to each platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A single prompt cannot capture the full range of answers a platform might give.

Second, platform-reported research dates differ from the authoritative run date for some entities. Anthropic reported 2026-01-15 for GTM Payroll EasyPay and 2026-01-15 for Gusto; DeepSeek reported 2026-06-11 for Care.com HomePay, 2026-01-15 for SurePayroll, 2026-06-12 for NannyKeeper, 2026-06-11 for NannyPay, and 2026-01-15 for Gusto. These dates are provenance metadata and do not independently prove freshness.

Third, company-owned citations materially outnumber independent citations in several entity bundles. For Poppins Payroll, the audit counted 34 owned and 25 independent citations. For GTM Payroll EasyPay, 18 owned and 10 independent. For Nest Payroll, 17 owned and 15 independent. For NannyKeeper, 30 owned and 6 independent. For NannyPay, 12 owned and 8 independent. For Gusto, 21 owned and 11 independent, with 2 unclear. Company claims should not be described as independently verified.

Fourth, official-site retrieval failed for some entities during normalization. GTM Payroll EasyPay's official site returned HTTP 403, NannyPay's official site exceeded the retrieval size limit, and Gusto's official site returned HTTP 403. Those failures mean some official-page details could not be verified from the primary source.

Fifth, the deterministic identity audit contains qualification notes that must be disclosed where relevant. GTM Payroll EasyPay and NannyPay used exact-name fallback identity matching, and their reported domains remain unverified. Company-name variants were collapsed onto one canonical brand before minimum-mentions qualification for GTM Payroll EasyPay and Gusto.

Sixth, platform recommendations are market intelligence, not independent customer reviews or proof of quality. A high ranking in this study reflects how often and how highly AI platforms named an entity, not verified service performance.

The consensus assessment

Poppins Payroll is the consensus leader for nanny and household employer payroll in this 7-platform study, with 7 platform mentions, a 100% platform share, and an average listed position of 1.43. Its $49/month one-employee subscription includes payroll processing, tax payments, quarterly filings, and year-end W-2, W-3, and Schedule H preparation for active accounts, which matches the core compliance workflow a newly hiring family needs ^[92].

GTM Payroll EasyPay is the strongest alternative for households that want live phone, text, and web-chat support plus optional HR tiers, but its base price is higher and its year-end form treatment requires confirmation ^[14]. Care.com HomePay is the strongest alternative for concierge-style tax-notice handling and a six-month refund guarantee, at a premium price ^[57]. SurePayroll is the strongest alternative for the lowest full-service base price, with the caveat that its interface is business-oriented and its state coverage and year-end fee treatment require verification ^[123]. Nest Payroll is the strongest alternative for the lowest monthly price with integrated Venmo or Cash App payments, with the caveat that it lacks traditional direct deposit and a verified employee self-service portal ^[34].

NannyKeeper and NannyPay are the low-cost self-service options for households willing to file quarterly taxes themselves ^[207]. Gusto is not a fit for household employers because Gusto states it does not support household employer payroll ^[43].

Frequently Asked Questions

Which household payroll service is best for a first-time nanny employer?

Poppins Payroll ranked first in this study, named by all 7 platforms with an average listed position of 1.43. Its $49/month one-employee subscription includes payroll processing, tax payments, quarterly filings, and year-end W-2, W-3, and Schedule H preparation for active accounts ^[92].

How much do household payroll services cost?

Published base prices in this study range from $8/month for NannyKeeper's Starter plan to $75/month for Care.com HomePay's Plus plan ^[80]. Poppins is $49/month for one employee, Nest is $42/month for one employee, SurePayroll displays $39/month promotional with $45 crossed out, and GTM starts at $70/month ^[92]. NannyPay is $199.95 per calendar year for up to three employees ^[84].

Do household payroll services file Schedule H for me?

Poppins, GTM, Care.com HomePay, SurePayroll, and Nest are described as preparing or filing Schedule H as part of their full-service offerings ^[92]. NannyKeeper and NannyPay generate Schedule H but do not file it on the employer's behalf ^[207].

Which household payroll service has the lowest price?

NannyKeeper's Starter plan is listed at $8/month or $100 annually for one employee, and NannyPay is $199.95 per calendar year for up to three employees ^[80]. Both are self-service products that do not file or pay taxes on the employer's behalf.

Does Gusto support nanny payroll?

No.

Sources used in this study

Company-Owned Sources

1. Sign Up | Poppins Payroll®: https://app.poppinspayroll.com/users/new
2. apps.apple.com: https://apps.apple.com/app/id1314304473
3. Poppins Payroll for Household Employees: https://ask.poppinspayroll.com/payroll-for-household-employees
4. GTM Payroll Services | Nanny Payroll, Business Payroll, Human Resources Consulting: https://gtm.com/
5. Nanny Tax and Payroll Service for Households: https://gtm.com/household/
6. EasyPay® Diamond | Payroll, HR & Benefits for Household Employers: https://gtm.com/household/easypay-diamond/
7. EasyPay® HR Platinum: https://gtm.com/household/easypay-hr-platinum/
8. Getting Started with GTM Payroll Services: https://gtm.com/household/getting-started/
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10. Nanny Tax and Payroll Services from GTM: https://gtm.com/household/jatsnap/
11. How to Choose a Nanny Tax and Payroll Service: https://gtm.com/household/learning-library/choosing-nanny-tax-payroll-provider/
12. Nanny Tax Forms: https://gtm.com/household/learning-library/tax-forms/
13. Nanny Payroll Service for Households: https://gtm.com/household/nanny-tax-payroll-services/
14. Nanny Payroll Pricing | EasyPay Features & Benefits: https://gtm.com/household/pricing/
15. Recommended Nanny Payroll & Tax Service: https://gtm.com/household/recommended-nanny-payroll/
16. GTM_EasyPay-Platinum-HR.pdf: https://gtm.com/household/wp-content/uploads/2021/06/GTM_EasyPay-Platinum-HR.pdf
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19. Best Square Payroll Alternative | Gusto vs Square Payroll | Gusto: https://gusto.com/product/compare/square-payroll-vs-gusto
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21. Gusto Pricing: https://gusto.com/product/pricing
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24. Which subscription or plan is right for my family?: https://help.care.com/families/s/article/Which-subscription-or-plan-is-right-for-my-family?language=en_US
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31. Household Payroll Getting Started FAQs: https://nestpayroll.com/household-payroll-getting-started-faqs
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36. Support: https://nestpayroll.com/support
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41. View and update Form W-4 tax withholding elections: https://support.gusto.com/article/106622106100000/view-and-update-form-w-4-tax-withholding-elections-for-employees-and-admins
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67. Family caregivers and self-employment tax: https://www.irs.gov/businesses/small-businesses-self-employed/family-caregivers-and-self-employment-tax
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81. Resource Center: https://www.nannykeeper.com/resources
82. Official pricing and terms source: https://www.nannykeeper.com/terms
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85. DIY or Service: https://www.nannypay.com/diy-or-service/
86. DIY Nanny Payroll Software vs. Full-Service Payroll: https://www.nannypay.com/diy-software-vs-full-service/
87. NannyPay Payroll Software: https://www.nannypay.com/nannypay-products-payroll-software/
88. NannyPay Terms and Conditions: https://www.nannypay.com/nannypay-terms-and-conditions/
89. NannyPay DIY Payroll Software Product Features: https://www.nannypay.com/product-features/
90. Help Center and Documentation: https://www.nannypay.com/support/
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94. Nanny Taxes Made Merry: https://www.poppinspayroll.com/?gad\source=1
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97. Poppins Payroll vs. HomePay Comparison: https://www.poppinspayroll.com/blog/poppins-payroll-vs-homepay
98. Compare Poppins Payroll vs. HomeWork Solutions: https://www.poppinspayroll.com/blog/poppins-payroll-vs-homework-solutions
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100. Poppins Payroll vs. HomeWork Solutions: Features and Pricing Compared: https://www.poppinspayroll.com/compare/poppins-payroll-vs-homework-solutions
101. Poppins Payroll vs SurePayroll: $49 vs $45/mo (2026): https://www.poppinspayroll.com/compare/poppins-payroll-vs-surepayroll
102. Does Poppins handle paystubs?: https://www.poppinspayroll.com/faqs/does-poppins-handle-paystubs
103. Does Poppins handle small business payroll?: https://www.poppinspayroll.com/faqs/does-poppins-handle-small-business-payroll
104. Does Poppins keep track of mileage reimbursements?: https://www.poppinspayroll.com/faqs/does-poppins-keep-track-of-mileage-reimbursements
105. Does this apply to state taxes?: https://www.poppinspayroll.com/faqs/does-this-apply-to-state-taxes
106. Poppins Payroll – How does Poppins compare to doing payroll and taxes myself, or using a CPA?: https://www.poppinspayroll.com/faqs/how-does-poppins-compare-to-doing-payroll-and-taxes-myself-or-using-a-cpa
107. Is Poppins nationwide?: https://www.poppinspayroll.com/faqs/is-poppins-nationwide
108. What information do I need to get started?: https://www.poppinspayroll.com/faqs/what-information-do-i-need-to-get-started
109. What is included for $49¹ a month?: https://www.poppinspayroll.com/faqs/what-is-included-for-49-a-month
110. What payroll services does Poppins include?: https://www.poppinspayroll.com/faqs/what-payroll-services-does-poppins-include
111. Where can I access my paystubs and W-2 forms? | Poppins Payroll: https://www.poppinspayroll.com/faqs/where-can-i-access-my-paystubs-and-w-2-forms
112. Which service, SurePayroll or Poppins Payroll, is more suitable for household payroll?: https://www.poppinspayroll.com/faqs/which-service-surepayroll-or-poppins-payroll-is-more-suitable-for-household-payroll
113. How We Pay Your Nanny Taxes: https://www.poppinspayroll.com/how-poppins-works
114. Terms and conditions of service: https://www.poppinspayroll.com/legal/terms-of-service
115. Everything You Need to Know About Nanny Payroll: https://www.poppinspayroll.com/nanny-payroll-guide
116. Payroll Partner for Heyday: https://www.poppinspayroll.com/partners/heyday
117. Pricing: https://www.poppinspayroll.com/pricing
118. Prior Wages Help for Household Employers: https://www.poppinspayroll.com/prior-wages
119. How We Pay Your Nanny Taxes: https://www.poppinspayroll.com/tax-payroll-services
120. Terms and conditions of service: https://www.poppinspayroll.com/terms_and_conditions
121. SurePayroll Official Website: https://www.surepayroll.com
122. Nanny Payroll Solutions: https://www.surepayroll.com/industry/nanny
123. Small Business Payroll Pricing | SurePayroll By Paychex: https://www.surepayroll.com/pricing
124. Official pricing and terms source: https://www.surepayroll.com/pricing#household
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126. Best Small Business Payroll Solutions: https://www.surepayroll.com/resources/article/best-small-business-payroll-solutions
127. Household Employer Checklist: Nanny & Caregiver Payroll: https://www.surepayroll.com/resources/article/household-employer-checklist
128. Complete Guide to Nanny Tax & Payroll: https://www.surepayroll.com/resources/article/nanny-payroll-guide
129. Nanny Tax Credits And Tax...: https://www.surepayroll.com/resources/article/nanny-payroll-taxes
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156. Gusto vs SurePayroll Side-by-Side Comparison: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGn8vQHfqPTOTbYjXK7qi1FckadCjIx8Uwu4iA_BY1G0Yc3uBuP9HnEep_ak8k83mBR4YWO51QAt9mLO0tCfU8cVdu4Y_UK58MjXSXKqlWY5DC2WiCfOM-rOMqLuajaEahSWOSzmwTsFO_4W70jHCAy4r0iM7Q=
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164. NannyPay Review 2026: https://www.business.org/finance/accounting/nannypay-review/
165. SurePayroll Review 2026: https://www.business.org/finance/accounting/surepayroll-review/
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169. SurePayroll Pricing 2026 - Capterra: https://www.capterra.com/p/11270/SurePayroll/pricing/
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174. Best Household Payroll Services: https://www.finder.com/payroll/household-payroll
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179. SurePayroll Reviews 2026: Details, Pricing, & Features: https://www.g2.com/products/surepayroll/reviews
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182. Nest Payroll Review 2026: Pricing, US Household Payroll, Pros, and Cons: https://www.hr.software/reviews/nest-payroll
183. Poppins Payroll Review 2026: Pricing, Payroll Features, Pros, and Cons: https://www.hr.software/reviews/poppins-payroll
184. SurePayroll Review 2026: Pricing, US Payroll, Nanny Support, Pros, and Cons: https://www.hr.software/reviews/surepayroll
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186. IRS - Household Employees: https://www.irs.gov/businesses/small-businesses-self-employed/household-employees
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188. Topic no. 756, Employment taxes for household employees: https://www.irs.gov/taxtopics/tc756
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190. GTM Payroll Reviews 2026: Cost, Fit & Verdict: https://www.maidstaff.com/reviews/gtm-payroll-review-2026
191. HomePay vs Poppins vs SurePayroll: 2026 Comparison: https://www.maidstaff.com/reviews/homepay-vs-poppins-vs-surepayroll
192. NannyKeeper Review: Is the $10/mo Nanny Tax Tool Legit?: https://www.maidstaff.com/reviews/nannykeeper-review
193. Nest Payroll Review 2026: $42/mo, 50 States: https://www.maidstaff.com/reviews/nest-payroll-review
194. Poppins Payroll Earns Top Rating in Forbes Advisor's 2026 Nanny Payroll Roundup: https://www.mycarrollcountynews.com/online_features/press_releases/article_526f3736-7f08-529e-95db-8ac76837e396.html
195. Best Nanny Payroll Services 2026: $100–$900/yr: https://www.nannykeeper.com/blog/best-nanny-payroll-services-2026
196. GTM Payroll Review 2026: Is $70/mo Worth It?: https://www.nannykeeper.com/blog/gtm-payroll-review
197. HomePay review 2026: is $900/yr worth it?: https://www.nannykeeper.com/blog/homepay-review
198. HomePay vs GTM Payroll 2026: Which Saves You More?: https://www.nannykeeper.com/blog/homepay-vs-gtm
199. HomePay vs Poppins Payroll 2026: Which Saves More?: https://www.nannykeeper.com/blog/homepay-vs-poppins
200. HomePay vs SurePayroll 2026: Which One Wins?: https://www.nannykeeper.com/blog/homepay-vs-surepayroll
201. Nest Payroll Review 2026: Is $42/mo Worth It?: https://www.nannykeeper.com/blog/nest-payroll-review
202. Poppins Payroll Review 2026: Is $49/mo Worth It?: https://www.nannykeeper.com/blog/poppins-payroll-review
203. SurePayroll Nanny Review 2026: Is $45/mo Worth It?: https://www.nannykeeper.com/blog/surepayroll-review
204. How to Switch from HomePay to NannyKeeper: https://www.nannykeeper.com/blog/switch-from-homepay
205. Nanny Payroll: $10/mo vs $75/mo (2026 Comparison): https://www.nannykeeper.com/compare
206. HomePay Review 2026: Pricing, Pros & Cons + Cheaper Alternative: https://www.nannykeeper.com/compare/homepay
207. Poppins Payroll Review 2026: Pricing, Payroll Features, Pros, and Cons: https://www.nannykeeper.com/compare/poppins
208. NannyKeeper vs SurePayroll: Which Nanny Payroll Is Better?: https://www.nannykeeper.com/compare/surepayroll
209. Best Nanny Payroll Services (ranking coverage): https://www.nerdwallet.com/article/small-business/best-nanny-payroll-services
210. Gusto Review 2025: Pricing, Features, Pros & Cons: https://www.nerdwallet.com/article/small-business/gusto-review
211. SurePayroll Review: https://www.nerdwallet.com/article/small-business/surepayroll-review
212. Gusto Payroll Review: https://www.pcmag.com/reviews/gusto
213. Poppins Payroll Employee Interface : r/NannyEmployers: https://www.reddit.com/r/NannyEmployers/comments/16ka23b/poppins_payroll_employee_interface/
214. SurePayroll Price, Features, Reviews & Ratings Updated 2025: https://www.socialatoz.com/software/surepayroll/
215. NannyPay 2026: Benefits, Features & Pricing: https://www.softwareadvice.com/product/459474-NannyPay/
216. Best Nanny Payroll Services: https://www.techrepublic.com/article/best-nanny-payroll-services/
217. Trustpilot - Care.com HomePay Reviews: https://www.trustpilot.com/review/homepay.com
218. Nannykeeper Reviews: https://www.trustpilot.com/review/nannykeeper.com
219. SurePayroll Reviews: https://www.trustpilot.com/review/surepayroll.com
220. SurePayroll Payroll Software Review 2026: https://www.usnews.com/360-reviews/business/payroll-software/surepayroll
221. POPPINS PAYROLL - Updated September 2026: https://www.yelp.com/biz/poppins-payroll-boulder-2
222. Poppins Payroll Breach Lawsuit Investigation: https://zlk.com/data-breach/poppins-payroll-breach-lawsuit-investigation

Other Sources

223. Gusto vs. HomePay: Which is best for nanny payroll?: https://www.care.com/c/gusto-vs-homepay/
224. Nanny Payroll Services Comparison: https://www.care.com/c/nanny-payroll-services/ Explore more hr payroll and workforce management software guidance in the category directory.