What Happens to Your Gusto Payroll Tax Account When You Die
Quick Facts
Urgency
Payroll obligations continue
Tax filings
Quarterly and annual
Employees
May still be on payroll
Step-by-Step Guide
Log in to Gusto
Go to app.gusto.com and sign in with the decedent\'s business admin credentials.
Review payroll status
Check if there are active employees and upcoming payroll runs. If employees depend on this payroll, immediate action is needed.
Download all tax forms
Navigate to Taxes & Compliance → Tax Documents and download all W-2s, 1099s, 940s, 941s, and state filings.
Check for pending tax filings
Review the tax filing calendar for any pending quarterly (941) or annual (940, W-2) filings.
Consult a CPA about winding down
Work with a CPA to properly wind down payroll, file final returns, and issue final W-2s to employees.
Document Now Checklist
- Download all W-2s, 1099s, and payroll tax filings
- Note the number of active employees
- Check for pending quarterly or annual filings
- Note the Gusto account email and EIN on file
- Note the payroll schedule and next run date
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Gusto Payroll Tax. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Final Income Tax Return (Form 1040)
The final income tax return covers January 1 through the date of death. It must be filed by April 15 of the year after death. Late filing triggers penalties and interest.
Estate Income Tax (Form 1041)
Form 1041 is required if the estate generates more than $600 in gross income during any tax year while it remains open. Income includes interest, dividends, rent, and capital gains earned by estate assets after the date of death.
Estate Tax Return (Form 706)
Even if the estate is below the federal threshold, you may still need to file Form 706 to elect portability — which transfers the unused exemption to the surviving spouse. This election is critical and must be made on a timely filed Form 706.
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