Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI uses a two-layer pricing structure: subscription tiers control message limits and base Moments allocation, while the Moments virtual currency governs every media generation action individually. Understanding both layers before subscribing prevents the most common frustration users report — running out of Moments mid-month without realizing why.
Note: Pricing verified as of early 2026. Check the official site for current rates before subscribing.
Secrets AI Pricing Overview
Five tiers span from free to $39.99/month. Annual billing reduces the monthly effective rate by approximately 33% across all paid tiers.
| Tier | Monthly | Quarterly (per mo) | Biannual (per mo) | Annual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $16.67 | $15.00 | $13.33 |
| Ultimate | $39.99 | $33.33 | $30.00 | $26.67 |
The quarterly and biannual billing options exist only for Premium and Ultimate. Lite and Plus are available monthly or annually.
What You Get on Each Plan
Free Plan
The free plan provides 20 messages per day with a 500-character message length cap. Users start with 200 Moments — a one-time credit, not a monthly allocation. Memory resets after 2–3 exchanges, making conversation continuity essentially nonexistent. Image and video generation are locked; the free tier cannot produce any media.
Access to the full character library is included, which is genuinely useful for evaluating the platform before committing. In practice, 200 starting Moments covers roughly 4 images (at 50 Moments each) or very limited text interaction. The free tier is best understood as a 1–2 session demo, not a sustainable experience.
Lite Plan ($5.99/mo)
Lite raises the daily message cap to 100 and provides 1,000 Moments per month. Memory extends to approximately 14 days of conversation history. Video generation becomes available on Lite — specifically 3-second short clips. The annual rate reduces this to $4.00/month effective.
The 1,000 monthly Moments budget is tight for media-heavy users. If you generate images regularly (25–50 Moments each) or attempt any video clips (50–600 Moments each), the allocation depletes quickly. Lite works best for users who primarily want extended text conversation without media generation.
Plus Plan ($9.99/mo)
Plus is the most commonly recommended tier for general users. The daily message cap is removed entirely — unlimited messaging. Monthly Moments allocation reaches 3,000. Memory extends to approximately 30 days with topic and tone awareness, meaning the AI tracks not just conversation history but your communication style and subject preferences.
Full image and video generation is available at Plus. The $6.67/month annual rate makes this competitive against most alternatives in the AI companion space. The detailed review on all features explains exactly what topic-and-tone memory means in practice.
Premium Plan ($19.99/mo)
Premium delivers 8,000 Moments per month plus a 10% bonus on any additional Moments purchased. Memory becomes unlimited with a full emotional timeline — the AI tracks your relationship history, emotional signals, and identity-based preferences indefinitely. The Time Machine feature appears at this tier, allowing users to return to and branch from previous conversation states.
Two technical upgrades accompany the memory improvements: 4x memory access multiplier and +60% context length boost. Premium AI models unlock at this tier, producing noticeably more nuanced responses in extended conversations. At $13.33/month annually, this is the right tier for users who want a deep, persistent relationship simulation.
Ultimate Plan ($39.99/mo)
Ultimate provides 15,000 Moments per month plus a 15% top-up bonus. All Premium features are included, with upgrades to 6x memory access and +100% context length. Two features exclusive to Ultimate: group chats (up to 3 AI characters simultaneously) and Personas (identity-switching roleplay). The annual rate reduces this to $26.67/month.
Ultimate makes financial sense only for heavy video and image creators who regularly exhaust lower-tier Moments allocations. Casual users will find Premium or Plus adequate. For a full comparison of what each tier provides, see the free vs premium comparison.
Understanding the Moments System
Moments function as in-app credits that are consumed by every media generation action. Text messages are the cheapest interaction; video is the most expensive by a significant margin.
| Action | Moments Cost |
|---|---|
| Text message | 1–2 |
| Image generation | 25–50 |
| Short video (3 seconds) | ~50 |
| Full video clip | ~600 |
| Voice call | 100 per minute |
| Manual memory save | 10 |
| New character creation | 1,000–1,500 |
Monthly allocations reset each billing period. Unused Moments do not roll over to the following month. Additional Moments can be purchased in bulk outside of subscriptions:
- 1,980 Moments — $5.99
- Larger bundles scale up to 118,800 Moments for $249.99 (approximately 30% discount at maximum volume)
Real-usage math on Premium (8,000 Moments/month):
- Text-only: ~4,000–8,000 messages — effectively unlimited
- Images only: ~160–320 images
- Full videos only: ~13 long clips
- Voice only: ~80 minutes
- Realistic mixed use: ~100 images + 5 videos + 30 minutes voice ≈ 7,500 Moments
Video is the Moments drain. Users who want more than 10–15 full videos per month need Ultimate or regular top-up purchases.
Annual vs Monthly — Savings Breakdown
The 33% annual discount is consistent across all paid tiers where the option is available.
| Tier | Monthly Rate | Annual Effective Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | ~$24/year |
| Plus | $9.99 | $6.67 | ~$40/year |
| Premium | $19.99 | $13.33 | ~$80/year |
| Ultimate | $39.99 | $26.67 | ~$159/year |
Premium and Ultimate also offer quarterly ($16.67 and $33.33 per month respectively) and biannual ($15.00 and $30.00) options for users who want multi-month commitment without locking into a full year.
The practical recommendation: start on monthly billing to verify the platform fits your usage patterns, then switch to annual after 2–3 months if satisfied. The per-month savings are substantial enough to justify switching once you know you'll stay.
Which Plan Is Right for You?
The right tier depends on your primary use case:
Exploring the platform: Start with the free tier's 200 Moments and 20 messages/day. This is enough to evaluate chat quality and the UI before spending anything.
Text-focused casual users: Plus at $9.99/month provides unlimited messaging and 3,000 Moments — sufficient for regular conversation with occasional image generation.
Regular media users (images + occasional video): Premium at $19.99/month. The 8,000 Moments covers meaningful media generation, and unlimited memory with emotional timeline is the biggest quality jump in the experience.
Heavy video and image creators: Ultimate at $39.99/month. The 15,000 Moments and 15% top-up bonus are necessary for users who generate video regularly. Group chats and Personas add further value at this tier.
For context on how pricing compares to the competition, see the cheaper alternatives analysis.
Payment Methods and Billing
Accepted payment methods include Visa, Mastercard, virtual debit cards, and cryptocurrency (minimum $20 per transaction). American Express is not accepted. Card data is processed through third-party payment providers and is not stored directly by Secrets AI.
Billing appears on statements as "Sun Clinical Laboratories" — there is no reference to AI, girlfriend, or adult content in the charge description. Cryptocurrency payments provide an additional layer of privacy for users who want no card-based transaction trail. Subscriptions can be cancelled at any time, with access continuing through the end of the paid billing period. No public refund policy details are available — contact support directly for refund inquiries.
For more context on the billing descriptor and privacy implications, see the detailed review.
FAQ
Yes, Secrets AI has a functional free tier, though it is severely limited. Free users get 20 messages per day, a 200 Moments one-time starting credit, and basic short-term memory covering only the last 2–3 exchanges. No image or video generation is available on the free plan. The 200 starting Moments are enough to generate approximately 4 images or test a small amount of text interaction, but they are depleted quickly. Free access is best treated as a trial period before committing to a paid subscription.
Yes. Moments can be purchased as standalone top-up bundles separate from subscription upgrades. The smallest bundle is 1,980 Moments for $5.99, and packages scale up to 118,800 Moments for $249.99 with volume discounts reaching approximately 30%. Top-ups are useful if you exhaust your monthly allocation mid-period without wanting to move to a higher tier permanently. Premium and Ultimate subscribers also receive a 10% and 15% bonus respectively on any top-up purchases.
No. Monthly Moments allocations reset each billing cycle. Unused Moments from a subscription allocation do not carry forward to the next month. Moments purchased as standalone top-ups may have different expiration terms — check the current policy on the platform directly, as this can change. This reset policy is worth factoring into your tier decision: if you consistently spend only 50% of your monthly allocation, a lower tier might be more cost-efficient.
Charges from Secrets AI appear as "Sun Clinical Laboratories" on bank and credit card statements. No reference to the platform name, AI, girlfriend, or adult content appears in the billing descriptor. This applies to both subscription charges and Moments top-up purchases. Cryptocurrency payments (minimum $20) are available for users who want complete payment anonymity.