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Lili is a real bank account with AI categorization and its own accountant MCP. Contha reads the bank you already have.
Lili is business banking through Sunrise Banks, N.A., FDIC-insured up to $3 million, with AI transaction categorization, a tax set-aside bucket, pre-filled tax forms, and, as of July 2026, its own MCP server that lets an accountant query a client’s banking data. It is a real bank with a real feature set. What it does not do is compute a tax number, model an owner position, or see anything outside the Lili account.
| Capability | Lili | Contha |
|---|---|---|
| Where the money is | A Lili business account, banking services through Sunrise Banks, N.A., FDIC-insured up to $3M | No. Reads accounts, holds no money, cannot freeze or move anything |
| Personal accounts and net worth | Not published | Yes, every account, personal and business |
| Works with the bank you already have | No, the account is the product; Smart and Premium can connect other accounts and cards for visibility | Yes, any account an aggregator reads, plus CSV |
| Tax estimate, computed | No; a Write-off Tracker sorts transactions into deduction categories, no owed number found | Yes, on 92.35% of net profit, the wage base less W-2 wages; Yes, computed: four payments as a schedule, past due and next |
| Tax set-aside | Yes, the Tax Bucket, a preset contribution per payment received | Yes, against whichever account you name, with the share of each deposit |
| Schedule C, Form 1065, Form 1120-S | Yes, pre-filled documents based on transaction categorization | Yes, by line; one per sole proprietorship; not the forms themselves |
| S-corp owner share, basis, reasonable compensation | No; document output only, no owner-position or distribution modeling | Not yet |
| Mileage | Not published | Yes, Pub. 463 substantiation per trip |
| Invoicing | Yes, on Smart and Premium | No, on purpose. Contha sits on top of the bank |
| Accountant access | Yes, an MCP server, live since July 2026, for accountants to query client-authorized banking data | Yes, five files and a read-only link that needs no account |
| A spouse with their own login | Not published | Yes, a spouse with their own login, editor or viewer |
| Price | Core $0 a month; Pro, Smart and Premium carry monthly fees on its fee schedule | A free week, then Personal $5, Business $10 a month; two months free on annual billing |
Where the money is
- Lili
- A Lili business account, banking services through Sunrise Banks, N.A., FDIC-insured up to $3M
- Contha
- No. Reads accounts, holds no money, cannot freeze or move anything
Personal accounts and net worth
- Lili
- Not published
- Contha
- Yes, every account, personal and business
Works with the bank you already have
- Lili
- No, the account is the product; Smart and Premium can connect other accounts and cards for visibility
- Contha
- Yes, any account an aggregator reads, plus CSV
Tax estimate, computed
- Lili
- No; a Write-off Tracker sorts transactions into deduction categories, no owed number found
- Contha
- Yes, on 92.35% of net profit, the wage base less W-2 wages; Yes, computed: four payments as a schedule, past due and next
Tax set-aside
- Lili
- Yes, the Tax Bucket, a preset contribution per payment received
- Contha
- Yes, against whichever account you name, with the share of each deposit
Schedule C, Form 1065, Form 1120-S
- Lili
- Yes, pre-filled documents based on transaction categorization
- Contha
- Yes, by line; one per sole proprietorship; not the forms themselves
S-corp owner share, basis, reasonable compensation
- Lili
- No; document output only, no owner-position or distribution modeling
- Contha
- Not yet
Mileage
- Lili
- Not published
- Contha
- Yes, Pub. 463 substantiation per trip
Invoicing
- Lili
- Yes, on Smart and Premium
- Contha
- No, on purpose. Contha sits on top of the bank
Accountant access
- Lili
- Yes, an MCP server, live since July 2026, for accountants to query client-authorized banking data
- Contha
- Yes, five files and a read-only link that needs no account
A spouse with their own login
- Lili
- Not published
- Contha
- Yes, a spouse with their own login, editor or viewer
Price
- Lili
- Core $0 a month; Pro, Smart and Premium carry monthly fees on its fee schedule
- Contha
- A free week, then Personal $5, Business $10 a month; two months free on annual billing
Prices as of October 2026, read on their own pricing page 19 October 2026. Checked 12 October 2026, against Lili’s own published documentation: the Lili pricing page, Lili accounting features, Lili tax preparation, Lili business banking, Lili MCP server announcement. If a row is out of date, tell us and it will be corrected on the page, not deleted.
The honest read
Lili is where a growing small business banks. Contha is where the whole household sees the return.
If you want a business checking account with AI categorization, credit access, and an MCP server that already lets an accountant see your data, Lili is a real bank built for that. If you want your personal and business money on one page, with the quarterly estimate and the reserve behind it, that is where this starts.
Also against Monarch Plus, QuickBooks Solopreneur, Found, Keeper, Copilot Money, YNAB, Wave, Tiller, Collective, Hurdlr, FreshBooks.
Keep Lili if it is enough. If the tax is the reason you are here, start with Contha.
Free with one bank, no card. Personal $5 or Business $10 a month for the rest, a free week of either first. Read-only connections, cancel any time.