Lili AI

Lili AI is the first AI accountant designed for small business owners⁷, streamlining core bookkeeping tasks and providing the financial insights you need to take your business forward.

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Pioneering the Future of Financial Accessibility and Empowerment

Unlocking the power of AI in financial management isn’t just about innovation—it’s about empowering businesses to thrive in an ever-changing landscape.

Accountant AI

Get instant, impactful financial advice tailored specifically for your business

Through an intuitive chat-based format, Accountant AI combines in-depth knowledge of your business banking and accounting with the latest industry trends, to deliver personalized, impactful answers to your business accounting questions, in seconds. Turning your business decisions more informed, timely and effective, Accountant AI² empowers business owners to thrive in an ever-changing landscape.

Lili AI provided by Lili can be used to assist with your accounting. Lili is not a tax preparer and does not provide tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors regarding your specific situation.

Predictive Transaction Categorization

Simplify day-to-day bookkeeping tasks with enhanced accuracy and maximized efficiency

With Predictive Transaction Categorization in Lili’s smart bookkeeping, Lili customers benefit from automatically recommended transaction categories based on the combination of extensive data processing and a large-scale language model. Significantly reducing the time and risk involved in manual, error-prone categorization, this feature allows business owners to confidently focus more on strategic aspects of their business.

3 steps and you’re in business

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Tell us about yourself

Fill in some basic personal information.

Tell us about your business

Share a few details including business type, EIN and industry.

Select a plan

Choose the account plan that best fits your business.

Contact Us

Email Our Support Team or Call Us

Mon – Friday, 9am – 8pm EST

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Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.

Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

¹Eligibility for cashback awards is available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

² Accounting, tax preparation and invoicing software is available to Lili Smart and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

³ The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of January 1, 2025. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply.

⁴BalanceUp is a discretionary overdraft program for debit card purchases only, offered for Lili Pro, Lili Smart, and Lili Premium Account holders; applicable monthly account fees apply. You must meet eligibility requirements and enroll in the program. Once enrolled, your Account must remain in good standing with a deposit and spending history that meets our discretionary requirements to maintain access to the feature. BalanceUp overdraft limits of $20-$200 are provided at our sole discretion, and may be revoked any time, with or without notice. Please refer to our BalanceUP Service Disclosure for more details.

⁵ Early access to ACH transfer funds depends on the timing of the payer’s submission of transfers. Lili will generally post these transfers on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

⁶ Up to $1,000 per cardholder per 24 hours period. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

⁷ Lili AI and other reports related to income and expenses provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

⁸Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Basic plan. Applicable monthly account fees apply for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to your Sunrise Banks Account Agreement.

⁹International wire transfers are only available to legal entity customers (LLCs, corporations, and partnerships). Transfers can be made to and from select countries. Please check your app for the most up to date list. Fees apply. Learn more here Sunrise Banks Account Agreement.