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Lili
Lili: Freelancer Banking With Optional Paid Tax and Bookkeeping Tiers
Start free for business checking, then upgrade when you want stronger tax set-asides, invoicing, and bookkeeping without bolting on three more apps.
At a Glance
- Free Start tier for core business checking
- Paid Grow/Thrive tiers add tax tools and bookkeeping
- Built for freelancers and sole props, not enterprise payroll
- Invoicing available on higher plans
- Editorial tiers (~$0 / $35 / $55) — verify live pricing
Key Features
- Integrates with Stripe
- Integrates with QuickBooks
- Integrates with Uber
- Integrates with DoorDash
- Available on Web
- Available on iOS
- Available on Android
Plans & Pricing
Start
$0 /mo
- Business checking with debit card
- Basic expense tracking
- Mobile deposit
- No monthly fee on Start
Grow
$35 /mo
- All Start features, plus:
- Tax savings tools
- Bookkeeping and reports
- Invoicing
- Priority support (confirm current benefits)
Thrive
$55 /mo
- All Grow features, plus:
- Advanced bookkeeping automation
- Higher limits where available
- Extra productivity tools for freelancers
Our Verdict
Strengths
- Clear free-to-paid ladder as income gets more complex
- Tax and bookkeeping features live next to the checking account
- Mobile-first UX suits gig and client work on the go
- Separates business cash from personal spending early
Limitations
- Best tax tooling sits behind paid tiers
- Not a full CPA replacement for Schedule C edge cases
- Cash handling and branch access limited vs traditional banks
- Fee schedule for wires and instant transfers needs a close read
Who It's For
Best for
- Freelancers who want free checking now and room to upgrade later
- Creators and consultants who invoice clients regularly
- Gig workers ready to stop co-mingling personal and business cash
Consider alternatives if
- Multi-owner LLCs needing complex entity banking
- Businesses that require daily cash deposits at a teller
- Users seeking investment or wealth-management products
Frequently Asked Questions
Is Lili free?
Lili offers a free Start plan for business banking basics. Grow and Thrive add tax and bookkeeping features for a monthly fee. Confirm current list prices on Lili’s site.
Does Lili help with quarterly taxes?
Paid plans emphasize tax savings tools and estimates. Lili is not a CPA — use the set-asides as planning support and file with tax software or a professional.
How does Lili compare to Found?
Both target freelancers. Found leans hard into included tax estimates on a $0 plan; Lili puts deeper bookkeeping and invoicing behind paid tiers. Compare fees against your invoicing and tax needs.
Data Sources
Specifications and pricing are verified against the following sources.
- Lili Checked 10/11/2026 · description, heroImage, title