Lili Pricing 2026

Plans, hidden costs, and cheaper alternatives compared

Pricing verifiedJul 2026

5 plans tracked·Updated Jul 2026

Is Lili worth the price?

75/10

Lili offers a generous free tier, 'Lili Core', providing essential banking features, which is excellent for new freelancers or very small businesses.

The 'Lili Pro' at $15/month offers good value for tax and expense management. However, 'Lili Smart' at $35/month and 'Lili Premium' at $55/month become quite expensive for accounting software, especially when compared to dedicated accounting solutions.

It's best for freelancers and small businesses prioritizing integrated banking and basic financial management.

Pricing Plans

Free Trial

Lili Core

$0 / mo

Advanced Business Banking
Business Checking Account with a Visa® Debit Card
Flexible Payment Options – ACH, Check and Wires
Business Credit Access
Savings with up to 4.00% APY
FDIC Insurance up to $3M
Integrations to your Existing Business Tools
7-Day Customer Support

Lili Pro

$15 / mo

Advanced Business Banking
Business Checking Account with a Visa® Debit Card
Flexible Payment Options – ACH, Check and Wires
Business Credit Access
Savings with up to 4.00% APY
FDIC Insurance up to $3M
Integrations to your Existing Business Tools
7-Day Customer Support

Lili Smart

$35 / mo

Advanced Business Banking
Business Checking Account with a Visa® Debit Card
Flexible Payment Options – ACH, Check and Wires
Business Credit Access
Savings with up to 4.00% APY
FDIC Insurance up to $3M
Integrations to your Existing Business Tools
7-Day Customer Support

Lili Premium

$55 / mo

Premier Priority Service
Front-of-the-line support with a dedicated specialist, available 7 days a week.
Advanced Business Banking
Business Checking Account with a Visa® Debit Card
Flexible Payment Options – ACH, Check and Wires
Business Credit Access
Savings with up to 4.00% APY
FDIC Insurance up to $3M

Add-On Credit-building

$30 / mo

Build and monitor your business credit profile automatically, right from your Lili account.
No extra tools. No credit check. No guesswork.
6 key credit scores & ratings
24/7 access to your business credit profile
Real-time alerts, notifications and insights
Business Build Credit Card
Credit training and guidance
Available in every plan.

Calculate your cost View full pricing

Hidden Costs & Gotchas

Credit-building is a $30/month add-on

Advanced accounting features are pricey

No annual discount mentioned

Priority support only in Premium tier

Which Plan Do You Need?

Freelancers needing free banking

Small businesses with basic tax needs

Users valuing integrated banking solutions

How Lili Compares to Competitors

Compared to competitors like Novo (free business checking) or Mercury (free for startups), Lili Core is competitive. However, for accounting features, Lili Smart ($35/month) and Premium ($55/month) are pricier than dedicated accounting software like QuickBooks Self-Employed (~$15-20/month) or FreshBooks Lite (~$15/month).

Lili Pricing FAQ

How much does Lili cost?

Lili starts at $15/month on the Lili Pro plan. It offers 4 paid tiers ranging from $15/month up to $30/month. A free plan is also available with limited features.

Does Lili have a free plan?

Yes. Lili offers a free plan called "Lili Core". It includes: Advanced Business Banking, Business Checking Account with a Visa® Debit Card, Flexible Payment Options – ACH, Check and Wires.

Does Lili offer a free trial?

Yes, Lili offers a free trial. No credit card is typically required to start the trial, though this may vary.

What is the cheapest Lili paid plan?

The cheapest paid plan for Lili is "Lili Pro" at $15/month. Key features include: Advanced Business Banking, Business Checking Account with a Visa® Debit Card, Flexible Payment Options – ACH, Check and Wires.

Is there a cheaper alternative to Lili?

Yes. Popular alternatives to Lili include Mercury, Found, Oxygen, QuickBooks. Free alternatives include Mercury, Found, Wave. Compare them side-by-side on Toolradar.