Lili vs Relay Comparison 2026
Both cover creator finance and accounting & tax. Here is what separates them on price, billing, what you can take with you, and coverage.
Business banking that puts the tax money aside
Business banking with twenty checking accounts
At a glance
- Lili starts cheaper, at $15.
- Both have a genuinely free tier.
Side by side
Lili | Relay | |
|---|---|---|
| Starting price (they differ) | From $15 | From $30 |
| Pricing model | Free plan, paid tiers | Free plan, paid tiers |
| Free tier | Yes | Yes |
| Billing | Monthly or annual | Monthly or annual |
| Free trial (they differ) | 30 days | 14 days |
| API | Not stated | Not stated |
| Data export | Not stated | Not stated |
| Their cut | Not stated | Not stated |
| Runs on | Web | Web |
Shaded rows are where the two answers disagree and both listings have answered. A row where one side has not stated a fact is left plain, because silence is not a difference.
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.
Our note
The tax bucket is the reason to be here and it is on Pro rather than on the free plan, so treat Core as a bank account and Pro as the actual product. Compare the Smart tier against what you currently pay for bookkeeping rather than against the other banks, because that is the spend it is trying to replace.
Relay
Business banking with twenty checking accounts
Relay's difference is that it hands you twenty checking accounts rather than one, which is what makes envelope budgeting work on a business rather than on a spreadsheet beside it. Income splits on arrival: tax here, contractors there, what is left is yours. It also issues a stack of cards and connects to the usual bookkeeping tools. The free plan is a real account rather than a trial.
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.