TooziLili vs. Toozi
The short answer: Lili is a business banking app (banking services through a partner bank) with a free core account and paid tiers — roughly $15, $35, and $55 a month as of 2026 — that add tax savings buckets, invoicing, bookkeeping, and tax prep tools. Toozi is not a bank: it connects to the bank you already have, keeps separate books for each hustle, estimates quarterly taxes, and e-files your federal return, all by text for $49 a month. If you want a new account and like managing money in an app, Lili is a reasonable bundle. If you want to keep your bank and have the taxes actually done, Toozi.
| Toozi | Lili | |
|---|---|---|
| What it is | Bookkeeping + tax filing by text, any bank | Business checking with tax tools on paid tiers |
| How you use it | Real SMS — no app | App |
| Works with your existing bank | Yes, via Plaid | Built around the Lili account |
| Price | $49/mo flat | Free core; roughly $15 / $35 / $55 per month tiers as of 2026 |
| Bookkeeping + invoicing | Included | Smart and Premium tiers |
| Tax filing | E-files your 1040 + Schedule C per business | Tax prep tools and savings buckets; filing not included |
| Multiple businesses | Separate books per hustle, one price | One account |
Where Toozi wins
- Any bank, any card. Toozi sorts the checking account you opened years ago and the personal card you sometimes use. Lili's tools center on money inside Lili.
- Filing, not just saving. A tax bucket tells you to set money aside. Toozi tells you how much, reminds you before the deadline, and then e-files the return.
- Books for every hustle. Separate income, expenses, and Schedule C per business, one price.
Where Lili might fit better (the honest part)
- If you need a business checking account and want light bookkeeping bundled with it, Lili's free core and lower tiers cost less than Toozi.
- If you want to earn interest on a business balance, Lili advertises savings yields on its tiers; Toozi holds no money.
FAQ
Can I link my Lili account to Toozi?
If Lili is available through Plaid for your account, yes — like any bank. Otherwise text transactions in or import a statement.
Does Lili file my taxes?
Lili offers tax tools such as savings buckets and prep features on its paid tiers. It does not e-file the return. Toozi is an IRS Authorized e-file Provider and does.
Which is cheaper?
Lili's free core account. Toozi is $49/mo and includes filing.
Keep your bank. Get the taxes done. Try Toozi free for 14 days — text "start" to (844) 482-4881.
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