⚠️ Pricing information is current as of 2026. Verify exact figures on the official Secrets AI site before purchasing, as plans and promotions may change.
Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
5 numbers you need before choosing a Secrets AI plan: $9.99, $19.99, $0.03, 600, and 33. The first is the Plus plan monthly price — the best-value option for most users. The second is Premium — the full-experience tier. $0.03 is the approximate per-message cost on Plus (3,000 Moments at 1–2 per text). 600 is the maximum Moments a single long video clip can cost. And 33% is how much you save by paying annually on any paid tier. Here is the complete breakdown.
Secrets AI Pricing Overview
| Plan | Monthly | Quarterly | Biannual | Annual (per month) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $49.99 ($16.67/mo) | $89.99 ($15.00/mo) | $159.99 ($13.33/mo) |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $319.99 ($26.67/mo) |
Quarterly and biannual billing are only available on Premium and Ultimate — the two highest paid tiers. Lite and Plus offer monthly or annual billing only. All prices are in USD. The platform accepts Visa, Mastercard, virtual debit cards, and cryptocurrency.
For a side-by-side breakdown of what each tier actually unlocks in terms of features and usage limits, the detailed review covers the full feature matrix.
What You Get on Each Plan
Free Plan
The free tier is a trial experience, not a sustainable product:
- 20 messages per day maximum
- 500-character limit per message
- 200 Moments (one-time starting credit — no monthly renewal)
- Memory covering only the last 2–3 exchanges
- No image or video generation
- Access to the full character library for browsing and chat
The 200 Moments starting credit goes fast: 4–8 images at 25–50 Moments each, or a few minutes of voice at 100 Moments per minute. If you generate any video, the Moments are gone in one or two clips. Free is enough to evaluate conversation quality and UI for a session or two — that is its real purpose.
Lite Plan ($5.99/mo)
Lite removes the message cap and adds ongoing Moments:
- 100 messages per day (up from 20)
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- 3-second video clips available (shorter than higher tiers)
- Annual rate: $4.00/month
At 1,000 Moments monthly, Lite works for text-focused users who want occasional images (20–40 images) but no serious video use. The 100 messages/day limit still applies — it is not unlimited like Plus and above.
Plus Plan ($9.99/mo)
Plus is the recommended starting point for most users:
- Unlimited messages (no daily cap)
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone awareness)
- Full video and image access
- Annual rate: $6.67/month
At 3,000 Moments, Plus supports a realistic mixed-use month: roughly 60–120 images, or 5 longer video clips, or 30 minutes of voice — or a mixed combination. The unlimited messaging removes the most significant free-tier frustration, and 30-day memory with topic awareness is a major quality jump from the free tier's 2–3 exchange recall.
Premium Plan ($19.99/mo)
Premium is the full-experience tier for serious users:
- Unlimited messages
- 8,000 Moments per month + 10% bonus on top-ups
- Unlimited memory with full emotional timeline
- Time Machine feature (revisit past conversation states)
- Premium AI models
- 4x memory access multiplier
- +60% context length
- ~67% previous conversation recall improvement
- Annual rate: $13.33/month
The jump from Plus to Premium is primarily about memory depth and Moments volume. The emotional timeline and Time Machine transform the companion experience from "chat app" to genuine relationship simulation. At 8,000 Moments, you can sustain approximately 160–320 images, or 13 full-length video clips, or 80 minutes of voice per month.
Ultimate Plan ($39.99/mo)
Ultimate is for power users with heavy media creation needs:
- Unlimited messages
- 15,000 Moments per month + 15% bonus on top-ups
- Full Premium memory features
- 6x memory access multiplier
- +100% context length boost
- Group chats (up to 3 AI characters simultaneously)
- Personas (identity-switching for roleplay)
- Annual rate: $26.67/month
Group chats and Personas are Ultimate-exclusive features unavailable on any lower tier. The 15,000 monthly Moments allocation supports approximately 25–300 videos per month depending on clip length.
Understanding the Moments System
Moments are Secrets AI's in-platform virtual currency. Every action except browsing characters costs Moments:
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New custom character (2nd+) | 1,000–1,500 Moments |
Key math for Premium users (8,000 Moments):
- Text-only heavy user: 4,000–8,000 messages (essentially unlimited practical use)
- Image-focused: 160–320 images
- Video-focused: 13 full-length clips
- Voice-focused: 80 minutes
- Mixed realistic month: 100 images + 5 videos + 30 min voice ≈ 7,500 Moments
Bulk purchase options are available if you need more Moments without upgrading tiers:
- 1,980 Moments for $5.99
- Up to 118,800 Moments for $249.99
- Bulk discounts reach up to 30.4% on larger purchases
Monthly Moments allocations reset each billing cycle. Unused Moments do not roll over to the next month.
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate (per month) | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | ~33% |
| Plus | $9.99 | $6.67 | ~33% |
| Premium | $19.99 | $13.33 | ~33% |
| Ultimate | $39.99 | $26.67 | ~33% |
Every tier saves approximately 33% on annual billing. On Premium, that is a $79.80 annual saving compared to monthly billing ($159.99 vs $239.88). On Ultimate, it is $159.96 ($319.99 vs $479.88).
The biannual option (Premium and Ultimate only) saves approximately 25% — a middle ground if you are not ready to commit a full year. The quarterly option saves roughly 17%.
Recommendation: try one month first, then switch to annual if you use the platform consistently for 2–3 billing cycles.
Which Plan Is Right for You?
4 user profiles with clear recommendations:
- Just exploring → Free (200 Moments to test conversation quality and UI)
- Text-focused casual user → Plus ($9.99/month) — unlimited messaging, 30-day memory, full media access
- Regular image + occasional video user → Premium ($19.99/month) — 8,000 Moments, emotional memory, Time Machine
- Heavy video/image creator or multi-character user → Ultimate ($39.99/month) — 15,000 Moments, group chats, 15% top-up bonus
The free vs premium comparison goes deeper on which tier delivers the best value for specific usage patterns. For an overview of all platform features tied to each tier, the full features guide has the complete breakdown.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
Billing appears on bank and card statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI companions, or adult content. This applies to all subscription charges and top-up purchases. Cryptocurrency payments offer the highest level of financial privacy for users who prefer not to use card payments.
Subscriptions can be cancelled at any time, with access continuing through the end of the paid billing period. No publicly available refund policy has been documented — assume charges are non-refundable unless you contact support directly.
FAQ
Yes, there is a free tier with no time limit. It gives you 200 Moments as a one-time starting credit, 20 messages per day, a 500-character message limit, and basic memory covering only the last 2–3 exchanges. No credit card is required to sign up. The free tier is genuinely useful for testing conversation quality and getting familiar with the interface, but the 200 Moments run out quickly — particularly if you attempt image or voice use — and there is no ongoing monthly Moments grant on the free plan.
Yes. Moments top-ups are available at any subscription level, including free. The smallest package is 1,980 Moments for $5.99, and options scale up to 118,800 Moments for $249.99, with bulk discounts reaching up to 30.4% on larger purchases. Premium and Ultimate subscribers also receive a 10% or 15% bonus respectively on all top-up purchases, making top-ups more economical on higher tiers.
No. Monthly Moments allocations from your subscription tier reset at each billing cycle — unused Moments do not carry forward to the next month. Moments purchased separately as top-ups may have different expiration rules, but the standard monthly allocation is use-it-or-lose-it. Plan your media generation around your billing cycle to avoid losing allocated Moments at renewal.
All Secrets AI charges — including subscription payments and Moments top-ups — appear on bank and card statements as "Sun Clinical Laboratories." There is no mention of Secrets AI, artificial intelligence, AI girlfriend, or any adult content descriptor in the billing line. If you pay with cryptocurrency, the charge appears as a standard crypto transaction to the payment processor rather than a named merchant. This level of billing discretion is one of the platform's more practically useful privacy features.