Subscriptions
Choose the Starmingo plan that fits your financial clarity journey
Start free, explore Starmingo with or without a card, and upgrade anytime.
Clear financial visibility
Know what’s coming and stay ahead of your bills.
Smart automation
Automatically detect recurring payments and spending patterns.
Simple and flexible plans
Start free, try Starmingo with or without a card, and upgrade anytime.
7-day trial options
Trial without a card keeps the plan on Free after 7 days. Trial with a card starts full Pro access and bills into Pro if payment succeeds.
Monthly plans only. Cancel anytime.
Option A
Trial without a card
Explore automation for 7 days with up to 2 connected accounts.
- Daily transaction tracking for 7 days
- Spending trends preview for 7 days
- Live sync stops automatically and Free continues after the trial
Option B
Trial with a card
Unlock the full Pro experience for 7 days with payment details collected in Stripe Checkout.
- Unlimited bank/card connections
- Full Pro automation and calendar sharing
- 6-month spending trends
Free
Start with the essentials: a clean calendar, budgets, and payoff planning to bring structure to your month.
Historical data remains in place across upgrades and downgrades.
No card needed
Get started in minutes.
Core clarity tools
Calendar, budgeting, and payoff planning in one simple view.
Historical data stays
When a trial ends, your saved history remains visible.
Monthly payment calendar
Budgets & categories
Payoff planner
Financial health score
After your trial
If you do not upgrade, live syncing and automation pause and the account continues on Free. Historical data stays visible in Starmingo.
Pro
Full automation and full visibility. Connect everything, stay current, and plan your month with confidence.
Historical data remains in place across upgrades and downgrades.
Unlimited accounts
Connect all banks and cards you use.
Always up to date
Fresh data and smarter recurring detection.
Built for momentum
Payoff planning and clear next steps.
Unlimited bank/card connections
Daily transaction tracking
Automated recurring expense detection
Smart monthly payment calendar
Share calendar with another Starmingo user
Household planning and accountant collaboration
Budgets & categories
6-month spending trends
Payoff planner
Financial health score
Credit monitoring
Included once released
Pro+
Pro, plus guidance. Add an assistant layer that helps turn your data into clear next steps.
Historical data remains in place across upgrades and downgrades.
Guidance layer
Ask questions and get practical options.
Evolves with you
Insights improve as your history grows.
More value over time
Includes Pro plus priority access to new releases.
Everything in Pro
AI financial assistant
Planned guidance features
Advanced risk and health insights
Expands as more history builds
Priority access to new releases
Compare plans
Free keeps planning and history. Pro adds automation. Pro+ extends Pro with the next guidance layer.
Monthly pricing shown. Stripe manages paid billing.
| Features | Free | Pro | Pro+ |
|---|---|---|---|
Bank connections Trial without card allows up to 2 connected accounts. Free keeps historical data but disables live sync. | No live sync | Unlimited | Unlimited |
Monthly payment calendar | |||
Budgets & categories | |||
Payoff planner | |||
Financial health score | |||
Daily transaction tracking Included for 7 days during the no-card trial, then pauses unless upgraded. | |||
Recurring expense detection Included for 7 days during the no-card trial, then pauses unless upgraded. | |||
6-month trends & graphs Available in paid plans and in the trial with card flow. | |||
Share with another Starmingo user | |||
Credit monitoring | |||
AI financial assistant |
Billing behavior
Paid signup and the card-based trial go through Stripe Checkout. Payment method changes, invoice updates, and recovery from failed payments go through the Stripe Customer Portal.