Plans
Choose the Starmingo plan that fits your financial clarity journey
Start free, explore Starmingo, and upgrade to Pro or Pro+ 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, then move to Pro or Pro+ when you need more automation or guidance.
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
Pro+
Pro, plus Mingo. Get an AI coach that helps turn your financial data into clear next steps.
Historical data remains in place across upgrades and downgrades.
Mingo AI guidance
Ask Mingo what changed, what matters, and what to do next.
Early warning layer
See cash pressure and risk signals sooner.
More value over time
Includes Pro plus priority access to new releases.
Everything in Pro
Access to Mingo, your AI financial coach
Personalized financial guidance
Smarter next-step recommendations
Deeper financial health analysis
Priority access to new releases
Compare plans
Free helps you organize. Pro helps you automate. Pro+ helps you understand what is changing and decide what to do next.
Monthly pricing shown. Stripe manages paid billing.
Core Financial Tools
The planning tools that help you organize your month with clarity.
Monthly payment calendar
See what is due and map your month with confidence.
Budgets & categories
Build a plan, organize spending, and stay on top of priorities.
Payoff planner
Create a payoff path and track momentum over time.
Financial health score
Measure how steady your plan looks across budgeting, debt, and cash flow.
Automation & Live Tracking
Where Pro starts doing the repetitive work for you.
Connected bank and card accounts
Bring your live financial picture into Starmingo.
Daily transaction tracking
Stay current without logging each transaction by hand.
Recurring bill detection
Let Starmingo surface patterns and repeating charges automatically.
Live sync behavior
Keep your payment view and budget inputs up to date as activity changes.
Spending trends and graphs
Spot changes faster with a rolling view of recent behavior.
Shared calendar planning
Coordinate your payment calendar with another Starmingo user.
Guidance & Intelligence
Where Pro+ helps you understand what is changing and decide what to do next.
Personalized financial guidance
Turn your numbers into practical, user-specific direction.
Early warning insights
See possible pressure points before they turn into surprises.
Smarter next-step recommendations
Get clearer guidance on where to focus first.
Deeper financial health analysis
Go beyond tracking and understand what is improving or slipping.
What Pro+ helps you understand
Why your cash is tighter this month, if you may run short before payday, and where spending patterns are changing.
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.