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Illustration - Staff Software Engineer, Retirement AI

Staff Software Engineer, Retirement AI

Gusto
Gusto
Denver, CO;San Francisco, CA;New York, NY
Jun 22, 2026
Salary not listed

Job Description


About Gusto

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve.


All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy.


AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process.

About the Role:

You’ll be a key engineer helping us ship real, user-facing AI at Gusto Retirement. This role is all about bias to action: owning problems end-to-end, getting working software in front of customers, and iterating quickly. You’ll work closely with a small, senior team to implement language-model-powered experiences. If you like being hands-on, making pragmatic technical decisions, working closely with product & design partners, and turning ideas into production features, you’ll be a great fit.

About the Team:

We’re a small, focused AI product team building practical, high-impact experiences to help people save for retirement at Gusto Retirement. The team is senior, collaborative, and very execution-focused—PMs bring strong ideas, and we own the execution fully. We work closely with product, design, and partner engineering teams, but keep tight ownership of our priorities and roadmap.

Here’s what you’ll do day-to-day:

  • Design, build, and ship production features that use large language models to solve real customer problems.
  • Implement and integrate LLMs (prompting, tool loops, evaluation, monitoring, etc).
  • Make pragmatic architecture decisions, de-risk tricky areas, and keep the work unblocked.
  • Partner with product and design to refine ideas, shape scope, and iterate quickly on end-to-end experiences.
  • Collaborate with other engineering teams to integrate with existing systems and unblock dependencies.
  • Write clear, reliable, well-tested code that ships quickly and scales well.

Here’s what we're looking for:

  • 7+ years of software engineering experience building and shipping p

Software Engineer roles in New York average $144,933/year, based on 52 active listings on our database.

See the full New York job market report →Software Engineer salaries by state →

Gusto on Oh My Job

114 open positions right now, including 25 in California.

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Where Software Engineer jobs are hiring right now

Based on active listings in our database, by state. Hover a state for its exact count.
Software Engineer job openings by US stateChoropleth map of Software Engineer job openings across US states, based on active listings in our database. California has the most open positions (961), while Oklahoma has the fewest among states with active listings (1).
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Software Engineer open positions by state
StateOpen positions
California961
Florida648
Maryland537
Texas343
New Jersey310
New York302
Washington300
Georgia290
Illinois138
Massachusetts118
Ohio118
Virginia115
North Carolina79
Arizona74
Colorado65
Pennsylvania64
Connecticut60
Michigan42
Tennessee35
Missouri30
Wisconsin20
Utah19
Minnesota18
Alabama13
Rhode Island11
Arkansas6
Delaware6
Indiana6
Kentucky6
Kansas3
South Carolina3
Alaska2
Nebraska2
New Mexico2
Nevada2
Oregon2
Vermont2
Hawaii1
Iowa1
Idaho1
Maine1
Montana1
Oklahoma1

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