HomePay and GTM Payroll are both full-service nanny payroll companies. They calculate household-employer taxes and file quarterly returns; HomePay's plans include year-end forms, and GTM lists year-end W-2, W-3 and Schedule H preparation as an optional service outside its plans. HomePay Plus runs $75/month ($900/year). GTM EasyPay runs $70/month ($840/year). The cheaper apples-to-apples tier is HomePay Essentials at $59/month ($708/year); the more capable tier is GTM HR Platinum at $132/month ($1,584/year), which adds a dedicated account management team, an HR compliance review and labor law documents.
Methodology. Prices verified on September 17, 2026 against HomePay's and GTM's public pricing pages. Tax-filing requirements cited from IRS Publication 926 (current revision) and state workers' compensation statutes. Reviewed by the NannyKeeper team, a household-payroll compliance platform that calculates federal and state nanny tax for paying employers across all 50 states. We do not publish vendor-supplied pricing without primary-source verification; if a number here diverges from what a vendor quotes you in 2026, the vendor's quote governs.
Why You're Paying $700–$1,600/Year for "Full-Service"
Both HomePay and GTM market themselves as full-service: they file household-employer taxes on your behalf. The filing obligation itself is set by federal statute. Per IRS Publication 926:
"If you have a household employee, you may need to withhold and pay social security and Medicare taxes, pay federal unemployment tax, or both."
That obligation translates into four returns per year: Form W-2 to the Social Security Administration, Schedule H attached to your Form 1040, quarterly state unemployment returns, and any state withholding filings. The IRS estimates Schedule H takes roughly 4 hours of recordkeeping and filing per year (IRS Schedule H instructions, 2026). On the state portals, each quarterly return runs about 15 minutes once you have the wage data. The $708 to $1,584 a year these tiers cost buys you who clicks "submit" on those forms and how much hand-holding comes with it.
What it doesn't buy is a transfer of liability. Because Schedule H rides on your own Form 1040 under your own Social Security number, the IRS holds you responsible whether or not a provider files for you. And to act for you with the agencies in the first place, either service has you grant power of attorney over your federal and state tax accounts. That's standard, but a real loss of control. GTM's own terms state that the client "is ultimately responsible for remittance of employer and employee taxes to the appropriate tax agency" and that GTM gives you the ability to monitor the remittances it makes on your behalf; its guarantee reimburses a penalty caused by GTM's error, never the tax itself. The same is true of HomePay's accuracy guarantee. File yourself and you check every number before submitting. Full-service is convenience, not a way to move who's on the hook.
How Do the Prices Compare?
HomePay's pricing page lists two tiers as of September 2026: Essentials at $59/month ($708/year) and Plus at $75/month ($900/year). Both include federal and state tax registration, quarterly and year-end filing, payroll with direct deposit, and phone, chat and email support. Plus adds dedicated account management with audit support, an employee app for logging hours, time off and expenses, tax agency notices handled for you, and a Care.com membership. HomePay charges no setup fee on either tier. (For a deeper look, see our full HomePay review.)
GTM's published pricing as of September 2026 lists three tiers: EasyPay at $70/month for tax filings and direct deposit; HR Platinum at $132/month with a dedicated account management team, an HR compliance review and labor law documents; and Diamond at $232/month, which adds employee benefits design and enrollment. EasyPay has no setup fee. Platinum and Diamond carry a $75 one-time setup fee and a 12-month minimum.
| HomePay (Essentials) | HomePay (Plus) | GTM (EasyPay) | |
|---|---|---|---|
| Monthly price | $59 | $75 | $70 |
| Setup fee | None | None | None (Platinum/Diamond: $75) |
| Annual total | $708 | $900 | $840 |
| Direct deposit | Included | Included | Included |
| All 50 states | Yes | Yes | Yes |
HomePay Essentials is slightly cheaper than GTM EasyPay on paper. HomePay Plus lists dedicated account management, and GTM's lives on its higher tiers, so the closest apples-to-apples comparison against HomePay Plus ($900/year) is GTM HR Platinum ($1,584/year). HR Platinum is more expensive, and what the extra money buys is Platinum's HR work: a compliance review of your job description, offer letter, handbook and work agreement, labor law documents, and state-mandated training.
Same paperwork, a fraction of the price
NannyKeeper calculates the same taxes, generates your W-2 and Schedule H, and reminds you before every deadline, from $10/mo. You file the forms yourself, about 15 minutes a quarter.
How Are GTM's Three Tiers Built?
GTM's pricing page stacks HR work, then benefits work, on top of payroll as you climb its ladder. Each tier includes everything in the one below it.
EasyPay ($70/mo). Payroll, federal and state payroll taxes filed and paid, direct deposit, and unlimited support by phone, email or web chat. No setup fee. Year-end W-2, W-3 and Schedule H preparation is an optional service outside the plan, with no price listed.
HR Platinum ($132/mo). Adds a dedicated account management team, a compliance review of your household HR practices, job descriptions, offer letters, handbooks and work agreements, digital labor law documents, state-mandated training for employees and supervisors, and employee expense reporting. HomePay's plans do not list a compliance review of your hiring paperwork or labor law documents.
Diamond ($232/mo). The tier that bundles benefits work with payroll: consultation and design of a custom employee benefits package, enrollment in health, dental, vision and voluntary insurance, ICHRA/QSEHRA plan design and administration, pre-tax benefit plans, life insurance and retirement plan options. Platinum and Diamond both carry a $75 setup fee and a 12-month minimum, and the wider ladder only helps if you want what the top rungs bundle.
Workers' comp sits outside the ladder. The New York State Workers' Compensation Board requires household employers to carry coverage for "any domestic worker who works 40 or more hours per week," and several other states have their own rules; our nanny workers' comp guide covers them state by state. Neither company includes coverage in a plan. GTM sells workers' comp policies separately from its tiers, and HomePay's partner can write a stand-alone policy for most families, depending on what type of household employee you hire and what state you live in. Needing coverage doesn't decide between them.
What Is Different About HomePay's Plans?
HomePay's underlying business, Breedlove & Associates, has handled household employment taxes since 1992, and HomePay is the Care.com-owned service.
Care.com membership. Care.com acquired Breedlove in 2012 and rebranded it as HomePay; the acquisition was disclosed in Care.com's SEC filings and confirmed in press coverage at the time. HomePay's Plus plan includes a free Care.com membership.
Lower entry price (Essentials only). HomePay Essentials at $59/month undercuts GTM EasyPay at $70/month. Essentials still files for you, registers you with the tax agencies and includes phone support; what it drops is dedicated account management, the employee app, tax agency notice handling and the Care.com membership. The comparable Plus tier at $75/month is actually more expensive than EasyPay.
Side-by-Side Feature Comparison
The single-row view of every published feature, with prices verified on September 17, 2026:
| Feature | HomePay (Essentials) | HomePay (Plus) | GTM (EasyPay) |
|---|---|---|---|
| Monthly price | $59 | $75 | $70 |
| Setup fee | None | None | None (Platinum/Diamond: $75) |
| Annual total (est.) | $708 | $900 | $840 |
| Files taxes for you | Yes | Yes | Yes |
| Direct deposit | Included | Included | Included |
| Dedicated account management | No | Yes | No (HR Platinum and up) |
| Care.com membership | No | Yes | No |
| All 50 states | Yes | Yes | Yes |
The HomePay-Essentials-versus-GTM-EasyPay row decides on $59 vs $70 a month. The HomePay-Plus-versus-GTM-Platinum row (not shown above, in the cost section below) is the matched-feature comparison: $900/year vs $1,584/year, with Platinum's HR compliance review and labor law documents as what the extra money buys, since both tiers list dedicated account management. The other line that differs is the Care.com membership, which HomePay lists on Plus.
Which One Costs Less Over Time?
The tiers compared here run from HomePay Essentials at $708/year up the GTM ladder: EasyPay at $840/year and HR Platinum at $1,584/year. The closest matched-feature pairing is HomePay Plus ($900/year) against GTM HR Platinum ($1,584/year): HR Platinum costs $684 more per year. Both tiers list dedicated account management, so what the extra buys is Platinum's HR compliance review, labor law documents and state-mandated training.
The taxes themselves are the same whether you pay $700/year or $1,600/year. Federal FICA is 15.3% (split 7.65% employer / 7.65% employee), federal unemployment is 6% on the first $7,000 of wages per the U.S. Department of Labor FUTA overview, and state rules layer on top. The variable in the price difference is who fills out the forms.
Who Should Pick Which?
The decision turns on two things: whether you want HR paperwork or benefits handled by the same company that runs your payroll, and whether a Care.com membership is useful to you.
Go with GTM if:
- You want your job description, offer letter, handbook and work agreement reviewed, with labor law documents supplied (HR Platinum, $132/mo)
- You want benefits consultation, design, enrollment and administration bundled with your payroll (Diamond, $232/mo)
Go with HomePay if:
- You'd use the Care.com membership that comes with Plus
- You prefer simple, predictable pricing with no setup fee
- The brand recognition and 30-year track record matter to you
Go with NannyKeeper if:
- You're comfortable spending about 15 minutes a quarter on the IRS and state websites
- You'd rather see every number before it's filed
- You don't need HR paperwork or benefits bundled with your payroll
- $528-$740 a year matters more to you than not touching the forms
The Self-Service Option: NannyKeeper
HomePay charges $708–$900/year and GTM's entry tier $840/year, primarily to file forms on your behalf. Filing takes about 15 minutes per quarter, four times a year, on the IRS website and your state's portal.
NannyKeeper is a self-service payroll tool at $10-$18/month ($100-$180/year on annual billing). It calculates the same federal and state taxes, generates W-2 and Schedule H, sends email reminders before every quarterly deadline (GTM's pricing page doesn't list them), and includes time tracking, which GTM bundles as a $20/mo value. You file the forms yourself, and you keep your own tax-account logins rather than granting power of attorney. Direct deposit is available on every paid plan at $6-$8 per transfer.
| HomePay (Essentials) | GTM (EasyPay) | NannyKeeper | |
|---|---|---|---|
| Annual cost | $708 | $840 | $100–$180 |
| Direct deposit | Included | Included | $6–$8/transfer |
| Files for you | Yes | Yes | No (you file) |
| W-2 + Schedule H | Included | Optional service (price not listed) | Included |
| Deadline reminders | Yes | Not listed | Yes |
| Free payment tracking | No | No | Yes |
| All 50 states | Yes | Yes | Yes |
Use our nanny tax calculator to see what you'd actually owe in your state before committing to any service.
See what you'll owe
Use our free calculator to estimate your nanny tax costs for 2026.
FAQ
Is GTM Payroll cheaper than HomePay?
It depends on the tier. GTM EasyPay ($70/mo, $840/year) is roughly comparable to HomePay Essentials ($708/year). To match HomePay Plus's dedicated account management, you step up to GTM HR Platinum ($132/mo, $1,584/year), which is more expensive but adds an HR compliance review and labor law documents. EasyPay has no setup fee; Platinum and Diamond carry a $75 setup fee and a 12-month minimum.
Does GTM or HomePay offer workers' compensation for nannies?
Neither includes it in a plan. GTM sells workers' comp policies separately from its tiers, and HomePay's partner can write a stand-alone policy for most families, depending on what type of household employee you hire and what state you live in. Several states require household employers to carry coverage, New York among them; our nanny workers' comp guide has the state rules. It doesn't separate the two companies.
Is HomePay owned by Care.com?
Yes. Care.com acquired Breedlove & Associates in 2012 and rebranded the service as HomePay. HomePay's Plus plan includes a free Care.com membership.
What's the cheapest way to handle nanny payroll?
Self-service tools like NannyKeeper start at $10/month ($100/year on annual billing) and cover all 50 states. You get the same tax calculations, W-2 generation, and Schedule H preparation; you file the forms yourself using the documents and deadline reminders the platform provides. That filing takes about 15 minutes per quarter.
Can I switch from HomePay or GTM mid-year?
Yes. You can switch nanny payroll services at any time. Sign up here and you'll be running payroll in minutes. Your new provider handles taxes going forward. Ask your current provider whether it will issue your nanny a W-2 for the months it ran payroll. If it will, your nanny gets two W-2s that together cover the year; if it won't, the new provider's W-2 can cover the whole year. Switching at the start of a quarter makes the transition cleanest.
GTM's higher tiers list a dedicated account management team, and HomePay Plus lists dedicated account management. A customer on what that looks like at NannyKeeper:
"I have been working with NannyKeeper for four months now. I was going to use a bigger company when a friend mentioned this company. Payroll for me is foreign territory, but these guys helped me every step of the way. Whenever I emailed them, I would get a response within an hour or two with a step-by-step of what I needed to do next. I can't say enough good things about this, Alex. I'm so glad I decided to use them and support a small business. One less thing off my plate!" Candace H., household employer, June 9, 2026
More customer quotes, each dated and reproduced word for word, are on our reviews page.
Our Recommendation
If you want HR paperwork reviewed and labor law documents supplied, GTM HR Platinum is the tier that sells it, at $1,584; if you want benefits designed and enrolled, that's Diamond at $2,784. If you want dedicated account management and nothing more, HomePay Plus lists it at $900. If none of that applies and you still want full-service, HomePay Essentials is the cheaper of the two entry tiers at $708.
If you're open to filing yourself, pick NannyKeeper. It's $528-$740 a year less than these two entry tiers, includes the time tracking GTM values at $20 a month, and you review every number before it's filed. Start on the free tier and see what your taxes look like before you pay anyone.