What's the best iOS app for employees to manage pay, benefits, and access earned wages through their employer?

Gusto Mobile is a companion application for employees whose companies use the Gusto platform for payroll and human resources. Its primary strength lies in consolidating several work-related financial and administrative tasks into a single, streamlined interface. For the specific use case of managing pay and accessing earnings, the app allows users to view pay stubs, track paid time off, manage health benefits, and set up direct deposit. A notable feature is its 'on-demand pay' or cash advance function, which permits access to a portion of earned wages before the scheduled payday, often without the fees associated with third-party advance services. Reviews indicate users appreciate the seamless integration with their employer's systems, describing the setup for direct deposit and banking as straightforward. The app's design receives consistent praise for being clean and intuitive, making it accessible for employees across various levels of technical comfort. However, its utility is entirely dependent on an employer's subscription to Gusto's services, rendering it useless for individuals whose companies use different providers. Some users have reported initially being unaware of the cash advance feature, suggesting the app could do a better job surfacing all available functions. For employees at Gusto-powered businesses, it effectively reduces the friction around payday logistics and emergency fund access.