Found vs Lili Comparison 2026
Found bundles a free business account with automatic tax set-aside, invoicing and 1099 filing built in from day one. Lili's free Core plan is a bank account only, with savings up to 4.00% APY; the tax bucket that is Found's whole pitch does not arrive until Lili Pro at $15 a month. Found gives away the tax feature that Lili charges for; Lili gives away a better savings rate than Found's paid tiers match.
Banking, bookkeeping and tax in one account
Business banking that puts the tax money aside
At a glance
- Lili starts cheaper, at $15.
- Both have a genuinely free tier.
Side by side
Found | Lili | |
|---|---|---|
| Starting price (they differ) | From $35 | From $15 |
| Pricing model | Free plan, paid tiers | Free plan, paid tiers |
| Free tier | Yes | Yes |
| Billing | Monthly or annual | Monthly or annual |
| Free trial | 30 days | 30 days |
| API |
Found
Banking, bookkeeping and tax in one account
Found is a business account for self-employed people with the bookkeeping and the tax set-aside built into it, so expenses categorise themselves as they land and the quarterly estimate is on screen rather than in April. It invoices, pays contractors and files 1099s. The free plan has no monthly fee and no minimum balance, which is the reason to look at it before a bank.
Our note
Wave is free and does the books without touching the banking, so Found only makes sense if you want the account itself to do the categorising. Anybody happy with their existing bank should stay with Wave and keep the $35.
Lili
Business banking that puts the tax money aside
Lili is a business checking account for people who are the whole company. What separates it from a plain bank is the tax bucket: a share of what lands is held back automatically, and transactions are sorted into the categories a tax return actually asks for. Dearer plans fold in invoicing, bill pay and a set of books, which is where it starts competing with the accounting tools rather than the banks. Anybody already paying a bookkeeper should check what they would stop paying for.
Why people weigh these two
- Lili instead of Found
- Lili is the closest swap, business banking that puts tax money aside as income lands, with a free tier and a cheaper $15 paid plan.
- Found instead of Lili
- Found starts at $35, more than Lili's $15, but bundles bookkeeping and tax into the same banking account rather than adding them as higher tiers.
Which one should you pick
Pick Found if the tax set-aside and bookkeeping need to work from the first dollar, with no monthly fee. The free plan already categorises expenses, estimates the quarterly payment and files 1099s, which is Lili's paid-tier territory.
Choose Lili if a higher savings rate on idle cash matters more than a free tax feature, since Core pays up to 4.00% APY at no cost, above what Found's $35 Plus tier offers on balances under $20,000. Budget for Lili Pro at $15 a month once the tax bucket and categorised expenses become the point.
Common questions
- Which one sets aside tax money for free?
- Found does, on its free plan. Lili's own brief says the tax bucket is the reason to use it, but that feature sits on Pro at $15 a month, not on the free Core plan.
- Which pays a better savings rate?
- Lili's free Core plan pays up to 4.00% APY. Found's Plus tier at $35 a month pays 1.50% up to $20,000, and even Pro at $80 a month, uncapped at 2.50%, does not reach Lili's free rate.
- Which has higher FDIC coverage?
- Lili states coverage up to $3 million through a sweep network. Found's listing does not state an FDIC coverage figure.
- Do both include invoicing?
- Found includes unlimited invoicing on its free plan. Lili's listing places invoicing and bill pay on Pro at $15 a month, not on the free Core tier.
Ratings are the average of reviews readers left. The facts are stated by each tool’s own listing and are not verified by CloutStack. How we make money.