Lili vs Oxygen: 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 Lili and Oxygen side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Lili leads on 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:
Lili
Online banking and financial management designed for small businesses and freelancers.
Best for you if:
- • You want a free tier before you commit
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
| At a Glance | Lili | Oxygen |
|---|---|---|
Starts at | Free plan, paid from $15/mo flat, billed monthly Lili Pro plan | Not published |
Category | Accounting Finance | Finance Accounting |
Rating | n/a | 4.4/5 Capterra 4.5 · G2 4.3 102 reviews |
Free plan | Yes | No |
Choose Lili or Oxygen?
Choose Lili if
- You want a free tier before you commit
Choose Oxygen if
- You need finance features specifically.
In-Depth Analysis
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.
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
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
Strengths
- Pro: Historically served a large user base (250K+ monthly active users)
- Pro: Supported significant card swipe revenue ($550k/month)
- Pro: Backed by a proven leadership team and significant investment ($20M round)
Weaknesses
- Con: Services are currently unavailable
- Con: Specific future initiatives are not yet detailed
Key features
Plans and prices: Lili vs Oxygen
| Tool | Plans and prices | Source |
|---|---|---|
| Lili |
| lili.co/plans read Nov 7, 2026 |
| Oxygen | No plan prices on file | oxygen.us |
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 Lili pricing and Oxygen pricing.
Key Takeaways
Lili
- Has a free plan
Oxygen
- Worth considering for finance
What the data shows
On the data below, Lili leads on a free plan. We do not name an overall winner for this pair.
- Only Oxygen has a published user rating (4.4/5 from 102 reviews); Lili has none we can show.
- Lili starts at $15/mo flat, billed monthly; Oxygen has no public paid plan price on file.
- 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 Lili and Oxygen compare in 2026?
On the data below, Lili leads on a free plan. We do not name an overall winner for this pair. Only Oxygen has a published user rating (4.4/5 from 102 reviews); Lili has none we can show. Lili starts at $15/mo flat, billed monthly; Oxygen has no public paid plan price on file. Only Lili has a free plan.
What are Lili and Oxygen used for?
Lili: Online banking and financial management designed for small businesses and freelancers. Oxygen: Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
What does Lili cost vs Oxygen?
Lili's cheapest paid plan is Lili Pro at $15/mo flat, billed monthly; it also has a free plan. Oxygen has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Nov 7, 2026.
What's the main difference between Lili and Oxygen?
Lili's main strength: no monthly fees for the Core bank account. Oxygen's main strength: historically served a large user base (250K+ monthly active users).
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