Lili Smart is built for business owners who want more than basic banking and simple expense tools—without taking on a full accounting system. It adds smarter bookkeeping, deeper reporting, and helpful automations on top of your Lili Core and Pro experience.

Lili Smart is a paid plan with a monthly fee. For current pricing and a side‑by‑side view of all plans, see What account plans does Lili offer? Or our pricing page.

Smart Bookkeeping and advanced reporting

Lili Smart includes our most advanced version of Smart Bookkeeping, designed for businesses with more complex finances:

• Instant transaction categorization using Lili’s smart rules and AI‑powered suggestions to keep your books organized with less manual work.
• Rich accounting and tax reports, including profit and loss, expense breakdowns, and tax‑ready summaries (such as Pre-filled Form 1065/Schedule C) to simplify working with your accountant and filing your returns.
• More advanced filters and exports so you can drill into your data, see trends over time, and easily share information with your accountant or advisor.

These features build on the expense tools available in Lili Pro, with more automation and structure for businesses that have a higher volume of transactions or more complex spending patterns.

Better reporting and tax‑ready insights

With Lili Smart, your banking activity turns into more usable data:

• Access to enhanced accounting reports, such as profit and loss summaries, categorized expense reports, and tax‑focused views designed to make filing easier.
• The ability to export your data in formats that fit how you and your accountant work, so you can share clean, organized information without rebuilding it from scratch.
• Insights that help you spot trends in revenue and expenses and make more informed decisions about pricing, spending, and cash flow.

This makes Lili Smart a strong fit if you need more visibility than Core/Pro provide, but don’t yet need the full Lili Premium feature set.

Workflows that save time

Lili Smart helps you streamline the day‑to‑day financial workflows that typically eat up time:

• More powerful automation around categorization, rules, and recurring patterns so your books stay up to date in the background.
• Tools that make it easier to prepare for tax season throughout the year instead of all at once, including cleaner categorizations and clearer reporting.
• A smoother hand‑off to your accountant or bookkeeper, who can use your categorized data and reports instead of starting from a pile of uncategorized transactions.

These time‑savers are especially helpful for owners managing their own books while running the business day‑to‑day.

Enhanced savings and cash management

With Lili Smart, you can put more of your idle cash to work while keeping your everyday banking simple:

• High‑yield savings with up to 4.00% APY* on eligible Savings balances, helping your business earn more on funds you set aside.
• Buckets and tools to set aside money for taxes, future expenses, or growth, so you can stay organized while still having quick access when you need it.

APY and balance tiers are subject to change; see our terms and disclosures for the latest rates and requirements.

 

* The Savings Account is available for Lili Pro, Lili Smart and Lili Premium users only, and receives 2.25% APY for the first $500,000 and 4.00% APY for portions of balance over $500,000 and up to $1,000,000 (effective January 13, 2026, please refer to Lili's terms and conditions). The Annual Percentage Yield ("APY") for the Lili Savings Account is variable and may change at any time. 

How Lili Smart fits with other plans

Lili Smart sits between Lili Pro and Lili Premium in our plan lineup:

• Compared with Lili Pro, Smart gives you more advanced bookkeeping, rules, and reporting—ideal when your business has more income streams, more vendors, or more frequent reporting needs.
• Compared with Lili Premium, Smart offers many of the same core Smart Bookkeeping and reporting tools, but without some of the premium extras such as the priority support and the Dedicated Account Specialist.

You can upgrade to Lili Smart from Core/Pro without changing your Lili account number or losing your transaction history.

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 services are 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.