Finance & Banking Software
Lili
Freelancer-focused business banking with tiered add-ons for expense tracking, tax prep, and full accounting/invoicing.
Solo / FreelancerNorth America
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for solo freelancers who want banking plus a tax/bookkeeping on-ramp without buying separate accounting software — the four-tier ladder (Core/Pro/Smart/Premium) takes some comparison shopping to pick the right level.
Choose this if...
- Freelancers who currently do zero tax-expense tracking and want it bundled with their bank account
- Solo business owners wanting invoicing and basic accounting without a separate subscription
Look elsewhere if...
- You have employees or need multi-user access — Lili is built around a single freelancer/owner
- Your business isn't US-incorporated or you're not a US taxpayer
Visit Lili
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Pricing
Verified Jul 17, 2026 against Lili's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Lili Core | Free | Free | Business checking with Visa debit card, no monthly fees, no minimum balances, savings up to 4.00% APY, FDIC insurance up to $3M |
| Lili Pro | 15 USD/mo | — | Introductory $9/mo for first 3 months; adds expense/tax categorization, receipt attachment, quarterly/annual expense reports, automatic tax-fund allocation |
| Lili Smart | 35 USD/mo | — | Introductory $21/mo for first 3 months; adds full accounting software, AI-powered categorization, P&L/cash flow reports, unlimited invoicing with payment acceptance, bill management, external account sync |
| Lili Premium | 55 USD/mo | — | Introductory $33/mo for first 3 months; adds priority 7-day support with a dedicated specialist and a metal Visa debit card |
Free tier reality
Lili Core is free with no monthly fees or minimum balance and includes up to 4.00% APY savings — a real account, not a limited trial. The Pro/Smart/Premium tiers layer on tax categorization, full accounting/invoicing software, and priority support respectively, each with a discounted introductory rate for the first 3 months before reverting to the listed price.
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DEV-MID · rectanglePros
- Free Core tier is a genuinely full-featured no-fee checking account
- Tax/expense categorization and reporting are unusually deep for a bank account
- Smart/Premium tiers can replace a separate invoicing/accounting subscription
Cons
- Higher tiers' pricing reverts up after a 3-month introductory discount, which can surprise users
- Four overlapping paid tiers require careful comparison to avoid over/under-buying
- As a fintech (not a bank), FDIC coverage runs through a single partner bank (Sunrise Banks)
Key features
- Free business checking with no minimums
- Automatic expense/tax categorization
- Real quarterly/annual tax reports
- Built-in accounting and invoicing (Smart/Premium tiers)
- Up to 4.00% APY savings
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
US-only. Lili is a fintech, not a bank — accounts are FDIC-insured up to $3M through partner bank Sunrise Banks.
- North America
Best for
Try free first
Not ready for Lili? Start with our free tools — come back when you outgrow them.
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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Lili FAQ
Questions about this tool
Is Lili free?
Yes, there's a free tier. Lili Core is free with no monthly fees or minimum balance and includes up to 4.00% APY savings — a real account, not a limited trial. The Pro/Smart/Premium tiers layer on tax categorization, full accounting/invoicing software, and priority support respectively, each with a discounted introductory rate for the first 3 months before reverting to the listed price.
How much does Lili cost?
Free. We verify pricing directly against Lili's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is Lili best for?
Freelancers who currently do zero tax-expense tracking and want it bundled with their bank account Solo business owners wanting invoicing and basic accounting without a separate subscription
Who should avoid Lili?
You have employees or need multi-user access — Lili is built around a single freelancer/owner Your business isn't US-incorporated or you're not a US taxpayer
Does Lili work well outside the US?
US-only. Lili is a fintech, not a bank — accounts are FDIC-insured up to $3M through partner bank Sunrise Banks.
What are the best alternatives to Lili?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.