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Lili

US online business banking for small businesses and freelancers, with bookkeeping and tax tools.

Free plan + paidBusiness banking and payment accounts

Updated · AppBreakup editorial · Web, iOS, Android

Visit LiliSee 4 alternatives

Is Lili free?

Free plan, plus paid plans

Paid plans from:
$15/month (Lili Pro)
Free plan:
Lili Core, $0/month

Checked on Lili's site Nov 8, 2026

Full Lili pricing and plans

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About Lili

Lili is a US fintech that offers online business checking for small business owners, freelancers and sole proprietors. It is not a bank: accounts are held at Sunrise Banks, and a sweep network extends FDIC cover beyond the usual limit. The base Lili Core account has no monthly fee and comes with a Visa debit card, ACH, check deposits, domestic and international wires, and a savings account that pays interest. Paid plans add expense categorisation, receipt capture, tax-savings buckets and reports, and the higher tiers include invoicing, bookkeeping and tax-preparation tools, so a one-person business can run its books from the same app it banks in. Lines of credit and loans come through lending partners. It connects to QuickBooks, Xero, Stripe, Shopify and Gusto, and runs on the web, iOS and Android. It fits freelancers and small businesses in the US who want banking and light accounting in one place rather than a bank plus a separate bookkeeping app.

Best for: US freelancers and small businesses wanting banking, bookkeeping and tax tools in one app.

Lili pricing (checked Nov 8, 2026)

Each line is quoted from Lili's own site, with the page it came from.

Plan or termWhat it saysCheckedSource
Free planLili Core, $0/monthNov 8, 2026lili.co
Paid plans from$15/month (Lili Pro)Nov 8, 2026lili.co
Free trial30 days on paid plansNov 8, 2026lili.co
FDIC insuranceUp to $3M via sweep networkNov 8, 2026lili.co
Full Lili pricing and cheaper alternatives

Pros and cons

What works

  • Core checking account has no monthly fee or minimum balance
  • Built-in expense categories and tax-savings buckets on paid plans
  • FDIC cover up to $3M through a sweep network
  • Integrates with QuickBooks, Xero, Stripe, Shopify and Gusto

Why people leave

  • US businesses only; it's a fintech, not a bank
  • Bookkeeping, invoicing and tax tools sit behind monthly plans
  • International wires are limited to LLCs, corporations and partnerships

Lili vs Mercury, Rho and Payoneer

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeLiliMercuryRhoPayoneer
PricingFree plan + paidFree plan + paidFreePaid
Verified price$15/month (Lili Pro)———
Free planLili Core, $0/monthYesFree appNo
Open sourceNoNoNoNo
Self-hostableNoNoNoNo
PlatformsWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, Android

Top Lili alternatives

See all 4
  1. 1Mercury logo
    Mercury

    Fee-free US business banking aimed at startups, with stronger multi-user controls and treasury options.

    68.8
  2. 2Rho logo
    Rho

    No subscription fees and built-in bill pay and expense tools, better suited to growing teams.

    64.8
  3. 3Payoneer logo
    Payoneer

    Better if most of your income comes from overseas clients or marketplaces in other currencies.

    61.8
  4. 4Bluevine logo
    Bluevine

    US business checking that pays interest on balances and offers lines of credit, for small businesses past the freelancer stage.

    59.4

Why people left Lili

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from Lili, review the app you switched to and tell us why.

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Lili: common questions

What is Lili?

Lili: US online business banking for small businesses and freelancers, with bookkeeping and tax tools. Best for US freelancers and small businesses wanting banking, bookkeeping and tax tools in one app. Available for Web, iOS and Android.

Is Lili free?

Lili has a free plan and paid plans. Free plan: Lili Core, $0/month (checked on Lili's own site).

How much does Lili cost?

Lili is free with paid plans. Free plan: Lili Core, $0/month; Paid plans from: $15/month (Lili Pro); Free trial: 30 days on paid plans; FDIC insurance: Up to $3M via sweep network. Checked on Lili's own site, November 2026.

Does Lili have a free trial or refund?

Free trial: 30 days on paid plans. Source: Lili's own site.

Is Lili open source?

No, Lili is not open source.

What platforms does Lili run on?

Lili is available for Web, iOS and Android.

What are the best alternatives to Lili?

The highest-ranked Lili alternatives right now are Mercury, Rho and Payoneer. See the full ranked list for pricing, platforms and verified facts.

Lili vs Mercury: what's the difference?

Both Lili and Mercury are free with paid plans. Both run on Web, iOS and Android.

See all 4 Lili alternatives