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Lili
Lili is a broad online business-finance platform with a free Core plan, three paid tiers, checking, savings, cards, wires, team access, bookkeeping, invoices, tax tools, and reports. Current fees are $0 for Core, $15 monthly for Pro, $35 for Smart, and $55 for Premium, with discounted annual billing. Lili’s current product disclosure lists 2.25% APY on savings up to $500,000 and 4.00% on the portion above $500,000 through $1 million, plus up to $3 million in conditional FDIC sweep coverage. The plan ladder is complicated, valuable tax and accounting features require payment, and fintech, sweep, and wire partners create several sets of terms.
What to know about Lili
Lili is a broad online business-finance platform with a free Core plan, three paid tiers, checking, savings, cards, wires, team access, bookkeeping, invoices, tax tools, and reports. Current fees are $0 for Core, $15 monthly for Pro, $35 for Smart, and $55 for Premium, with discounted annual billing. Lili’s current product disclosure lists 2.25% APY on savings up to $500,000 and 4.00% on the portion above $500,000 through $1 million, plus up to $3 million in conditional FDIC sweep coverage. The plan ladder is complicated, valuable tax and accounting features require payment, and fintech, sweep, and wire partners create several sets of terms.
Pros
- Free Core plan with checking, savings, cards, wires, and integrations
- Current savings disclosure reaches 4.00% APY on the $500,000-to-$1 million tier
- Paid plans add useful tax, accounting, invoicing, team, and support features
Cons
- Four plans and separate add-ons make total cost harder to compare
- The most useful bookkeeping and tax workflows require Pro, Smart, or Premium
- Cash, wires, international availability, and sweep coverage have limits and partner terms
Scoring breakdown
- Fees4.1/5
- Yield4.7/5
- Integrations4.3/5
- Onboarding4.5/5
- Customer Service4.2/5
Verified product facts
- Monthly Fee
- Core $0; Pro $15/month or $144/year; Smart $35/month or $336/year; Premium $55/month or $528/year
- Yield
- Current savings disclosure: 2.25% on balances through $500,000 and 4.00% on the portion over $500,000 through $1 million; no yield above $1 million
- Deposit Insurance
- Up to $3 million through Sunrise Banks and sweep-program banks, subject to pass-through conditions and deposits held at participating banks
Where Lili ranks
Every DollarScout ranking that includes Lili.
Fact-checked July 18, 2026. Sources: Lili current banking, savings APY, FDIC, and eligibility disclosures, Lili current monthly and annual plan fees, Lili plan feature comparison, Lili transaction and wire fee schedule, Lili automatic Tax Bucket guidance, Lili Smart and Premium accounting reports, Lili cash-deposit guidance.