⚠️ Pricing information is current as of May 2026. Verify current rates at secrets.ai before purchasing.
Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Before you sign up, read this: the real cost of Secrets AI is not the subscription price. It is the Moments you spend on top of it. A $9.99 Plus subscription gives you 3,000 Moments per month — enough for unlimited text and light image use. But a single long video clip can cost 600 Moments, meaning 5 videos alone consume your entire monthly grant. The subscription gets you in the door; the Moments determine whether you stay comfortable inside.
Here is the full pricing picture with the math that matters.
Secrets AI Pricing Overview
Start from the top: Ultimate is the most capable tier at $39.99/month. Work down from there to find the plan that matches your actual usage.
| Plan | Monthly Price | Annual Price (per month) | Quarterly | Biannual |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | $4.00 | — | — |
| Plus | $9.99 | $6.67 | — | — |
| Premium | $19.99 | $13.33 | $16.67 | $15.00 |
| Ultimate | $39.99 | $26.67 | $33.33 | $30.00 |
Annual billing saves 33% on all paid tiers. Premium and Ultimate also offer quarterly and biannual billing cycles as intermediate commitment options. Lite and Plus only offer monthly and annual billing.
For context on which features each tier unlocks, see the full feature breakdown.
What You Get on Each Plan
Free Plan
The free tier is functional but constrained enough that most users outgrow it within the first session:
- 20 messages per day maximum
- 500-character message cap per message
- 200 Moments — one-time starting credit only (does not refresh monthly)
- Basic short-term memory — resets after 2-3 exchanges
- No image generation, no video generation
- Full character library access (browse and chat, no media)
- Account creation takes under 60 seconds
The 200 Moments starting credit is enough to test approximately 4-8 images or 2-4 minutes of voice. There is no video generation on the free tier whatsoever. This is a demo-level experience, not a sustainable daily use case.
Lite Plan — $5.99/month
Lite removes the most frustrating free-tier restrictions without the cost of full feature access:
- 100 messages per day
- 1,000 Moments per month (monthly grant, resets monthly)
- Basic long-term memory — approximately 14-day recall window
- 3-second video clip generation (brief clips only)
- All standard features except group chats, personas, premium AI models
The Moments budget on Lite is tight for regular image or video use. 1,000 Moments covers roughly 20-40 images, 2-20 short videos, or 10 minutes of voice — but not a combination of all three. If you primarily want text conversation with occasional images, Lite works. Regular video use is not realistic at this tier.
Plus Plan — $9.99/month
Plus is the most commonly recommended tier for casual-to-regular users:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory — approximately 30-day recall, topic and tone awareness
- Full video and image generation access
- Full feature access except group chats, personas, premium AI models
The jump from Lite to Plus costs an extra $4/month and delivers disproportionate value: unlimited text messaging, triple the Moments, significantly better memory, and full media access. For most users who want occasional video alongside regular chat, Plus is the sweet spot.
Premium Plan — $19.99/month
Premium is where the platform's memory capabilities fully open up:
- Unlimited messaging
- 8,000 Moments per month plus 10% bonus on top-up purchases
- Unlimited memory with full emotional timeline tracking
- Time Machine — navigate back to earlier conversation states
- Premium AI models for more nuanced responses
- 4x memory access multiplier
- +60% context length for longer coherent conversation threads
At $19.99/month, Premium is the tier for users who want a deep, persistent relationship simulation. The memory difference between Plus and Premium is significant — unlimited emotional timeline versus 30-day recall makes characters feel genuinely continuous rather than perpetually reintroducing themselves.
The 8,000 Moments budget allows approximately 13 long videos, 160-320 images, or 80 minutes of voice per month. In mixed use — say 100 images, 5 long videos, and 30 minutes of voice — you would use roughly 7,500 Moments. Premium handles typical mixed media use comfortably.
Ultimate Plan — $39.99/month
Ultimate adds exclusive features on top of everything in Premium:
- Unlimited messaging
- 15,000 Moments per month plus 15% bonus on top-up purchases
- Everything from Premium tier
- Group chats — up to 3 AI characters simultaneously
- Personas — identity-switching for complex roleplay
- 6x memory access multiplier
- +100% context length boost
At $39.99/month, Ultimate only makes economic sense for heavy video and image creators, or users who specifically want group chats and personas. If you are on Premium and consistently hitting your Moments ceiling, that is the signal to upgrade. Casual users do not need 15,000 Moments.
Understanding the Moments System
Moments are the virtual currency that funds every action beyond basic text conversation. Here is what each action costs:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3-second) | ~50 Moments |
| Full/longer video clip | Up to 600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000-1,500 Moments |
Critical insight: Monthly Moments grants reset and unused credits do not roll over indefinitely. This means any unused Moments at month end are lost. Plan your usage to avoid stockpiling.
Bulk purchase options for additional Moments are available starting at 1,980 Moments for $5.99 up to 118,800 Moments for $249.99, with discounts of up to 30.4% on larger bundles. Subscribers on Premium and Ultimate get an additional bonus percentage on top-up purchases (10% and 15% respectively).
Annual vs Monthly — Savings Breakdown
Committing to annual billing saves 33% on every paid tier:
| Plan | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $23.88 |
| Plus | $9.99 | $6.67 | $3.32 | $39.84 |
| Premium | $19.99 | $13.33 | $6.66 | $79.92 |
| Ultimate | $39.99 | $26.67 | $13.32 | $159.84 |
The recommendation: start on monthly billing for 1-2 months to confirm the platform fits your usage patterns, then switch to annual if you are satisfied. Do not commit to annual on the first purchase.
Which Plan Is Right for You?
Match your usage pattern to the right tier:
- Just exploring, no commitment → Free (200 Moments one-time, 20 messages/day)
- Primarily text conversation → Plus ($9.99/mo) — unlimited messaging, 3,000 Moments, better memory
- Regular images, occasional videos → Premium ($19.99/mo) — 8,000 Moments, unlimited memory
- Heavy video/image creator or group chats → Ultimate ($39.99/mo) — 15,000 Moments, all features
- Tightest possible budget with media access → Lite ($5.99/mo) — limited but functional
For a side-by-side view of what you actually gain upgrading from free, see the free vs premium comparison. For cheaper alternatives if Secrets AI pricing does not fit your budget, the alternatives guide covers options starting from free.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
All charges appear on bank and card statements as "Sun Clinical Laboratories" — no reference to AI, companion, or adult content. Subscription access continues through the end of your billing period after cancellation; there is no prorated refund. Detailed refund policy information is not publicly documented on the platform.
FAQ
Yes, Secrets AI has a free tier with real functionality — 20 messages per day, access to the full character library, and 200 one-time starting Moments. However, the free tier is designed as a demo: no image or video generation, memory that resets every 2-3 exchanges, and no monthly Moments refill. Most users exhaust their 200 starting Moments within the first session if they experiment with images. The free tier is best used to evaluate conversation quality and decide whether a paid tier is worth it.
Yes. Moments bundles are available for purchase separately from subscription upgrades. The smallest bundle is 1,980 Moments for $5.99. Larger bundles offer discounts up to 30.4% — the 118,800 Moments bundle costs $249.99. If you are on Plus and run out of Moments before month end, buying a top-up bundle is often more economical than upgrading to Premium mid-cycle. Premium and Ultimate subscribers also receive bonus percentages (10% and 15%) on all top-up purchases.
Monthly Moments grants do not roll over indefinitely. Unused credits from your monthly grant expire at the end of the billing cycle. This is the key reason to calibrate your subscription tier to your actual usage — overshooting your real consumption means paying for Moments you never use. Purchased top-up Moments (bought separately) may have different rollover terms, but the standard monthly grant resets without carryover.
All Secrets AI charges appear on bank statements and credit card statements as "Sun Clinical Laboratories." There is no reference to Secrets AI, artificial intelligence, AI girlfriend, or adult content in the billing descriptor. This applies to both subscription charges and one-time Moments purchases. For maximum payment privacy, cryptocurrency payments are accepted with a $20 minimum transaction — the payment then does not appear as a card charge at all. The platform does not accept American Express.