Heard vs Lili: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Heard and Lili side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Lili leads on lower entry price and a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Heard
Bookkeeping, taxes, banking, and payroll built for therapy practices
Best for you if:
- • You want experts understand the unique tax deductions and financial challenges of therapy practices
Lili
Online banking and financial management designed for small businesses and freelancers.
Best for you if:
- • You want a free tier before you commit
| At a Glance | Heard | Lili |
|---|---|---|
Starts at | From $139/mo, billed monthly Lite plan | Free plan, paid from $15/mo, billed monthly Lili Pro plan |
Category | Accounting Tax Software | Accounting Finance |
Rating | n/a | n/a |
Free plan | No | Yes |
Watch out for | n/a | Credit-building is a $30/month add-on |
Choose Heard or Lili?
Choose Heard if
- You want experts understand the unique tax deductions and financial challenges of therapy practices
- You want saves significant time with automated transaction syncing and categorization
Choose Lili if
- You want a free tier before you commit
- You want no monthly fees for the Core bank account
- You want no minimum balance requirements
- Budget matters ($15/mo, billed monthly vs $139/mo, billed monthly)
In-Depth Analysis
Heard
Bookkeeping, taxes, banking, and payroll built for therapy practices
Heard's pricing is on the higher end for bookkeeping but includes comprehensive tax services, making it fair for therapists who want an all-in-one solution.
Strengths
- Pro: Experts understand the unique tax deductions and financial challenges of therapy practices
- Pro: Saves significant time with automated transaction syncing and categorization
- Pro: Year-round support with quick responses from accounting professionals
Weaknesses
- Con: Only available to mental health and wellness practitioners in private practice, not general small businesses
- Con: Pricing is subscription-based with no free tier and may be costly for low-volume or new practices
Key features
Lili
Online banking and financial management designed for small businesses and freelancers.
Lili offers a generous free tier, 'Lili Core', providing essential banking features, which is excellent for new freelancers or very small businesses.
Watch out
Credit-building is a $30/month add-on
Strengths
- Pro: No monthly fees for the Core bank account
- Pro: No minimum balance requirements
- Pro: High APY on savings account
- Pro: Comprehensive financial tools (banking, bookkeeping, invoicing, taxes) in one place
- Pro: Strong security features and FDIC insurance
Weaknesses
- Con: Business credit and expedited check deposits may have specific eligibility or fees not fully disclosed on the main page
Key features
Plans and prices: Heard vs Lili
| Tool | Plans and prices | Source |
|---|---|---|
| Heard |
| joinheard.com/pricing read Oct 27, 2026 |
| Lili |
| lili.co/plans read Oct 29, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Heard pricing and Lili pricing.
Key Takeaways
Heard
- Choose if you want bookkeeping, taxes, banking, and payroll built for therapy practices
Lili
- Lower entry price: $15/mo, billed monthly vs $139/mo, billed monthly
- Has a free plan
What the data shows
On the data below, Lili leads on lower entry price and a free plan. We do not name an overall winner for this pair.
- Lili has the lower entry price: $15/mo, billed monthly (Lili Pro) against $139/mo, billed monthly (Lite) for Heard.
- Only Lili has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Heard and Lili compare in 2026?
On the data below, Lili leads on lower entry price and a free plan. We do not name an overall winner for this pair. Lili has the lower entry price: $15/mo, billed monthly (Lili Pro) against $139/mo, billed monthly (Lite) for Heard. Only Lili has a free plan.
What are Heard and Lili used for?
Heard: Bookkeeping, taxes, banking, and payroll built for therapy practices. Lili: Online banking and financial management designed for small businesses and freelancers.
What does Heard cost vs Lili?
Heard's cheapest paid plan is Lite at $139/mo, billed monthly. Lili's cheapest paid plan is Lili Pro at $15/mo, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Oct 29, 2026.
What's the main difference between Heard and Lili?
Heard's main strength: experts understand the unique tax deductions and financial challenges of therapy practices. Lili's main strength: no monthly fees for the Core bank account.