Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI's free tier gives you 200 Moments and 20 messages a day. At $0, that's a reasonable trial window. But how quickly the Moments system eats into your budget on paid tiers — and how much you actually get per dollar — is the question this page answers completely.
Five plans exist, ranging from $0 to $39.99/month. The gap between them isn't just price — it's memory depth, media access, and whether the platform functions as a demo or a complete product.
Secrets AI Pricing Overview
| Tier | 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) |
Annual billing saves 33% across all paid tiers where it's available. Quarterly and biannual options are available for Premium and Ultimate, offering a middle ground if annual commitment feels premature.
What You Get on Each Plan
Free Plan
The free tier is the entry point, but it functions more as a demonstration than a complete product:
- 20 messages per day (hard daily cap)
- 500-character maximum per message
- 200 Moments — starter credit, one-time allocation
- Memory: Last 2-3 exchanges only (no session continuity)
- No image or video generation
- Full character library — all ~94 characters accessible for browsing and chat
The 200 Moments covers roughly 4 images or a few minutes of voice calls — enough to experience those features once, not enough to evaluate them meaningfully. Treat free as a way to assess the conversation interface and character quality before committing to a paid plan.
Lite Plan ($5.99/mo)
Lite is the smallest paid tier and a genuine step up from free:
- 100 messages per day
- 1,000 Moments/month
- Memory: Basic long-term recall (~14 days)
- Video access: 3-second clips (shortest format)
- Annual price: $4.00/month
At 1,000 Moments, a single longer video clip (600 Moments) consumes 60% of your monthly allocation. Lite works well for text-focused users who want more conversation depth than free allows — it's constrained for any regular media use.
Plus Plan ($9.99/mo)
Plus is where the platform becomes practically usable for most users:
- Unlimited messages
- 3,000 Moments/month
- Memory: Topic and tone awareness (~30-day recall)
- Full image and video access (all formats)
- Annual price: $6.67/month
The jump from Lite to Plus — $4 more per month at annual pricing — unlocks unlimited messaging and doubles the Moments allocation while improving memory substantially. For users focused primarily on conversation with occasional image generation, Plus is the value sweet spot. Five full-length videos per month at 600 Moments each fits within the allocation.
Premium Plan ($19.99/mo)
Premium is the full experience tier:
- Unlimited messages
- 8,000 Moments/month + 10% bonus on top-ups
- Memory: Unlimited with emotional timeline
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Time Machine (revisit earlier conversation points)
- Annual price: $13.33/month
The memory upgrade from Plus to Premium is the most significant functional change on the platform. At Plus, the AI remembers about 30 days of topics and tone. At Premium, it maintains a full relationship history with an emotional timeline — every preference, dynamic, and relationship milestone the AI has learned becomes persistently available. For users building long-term companion relationships, this matters.
Ultimate Plan ($39.99/mo)
Ultimate adds the platform's exclusive social features:
- Unlimited messages
- 15,000 Moments/month + 15% bonus on top-ups
- All Premium memory features + 6x memory access, +100% context length
- Group chats — up to 3 AI companions simultaneously
- Personas — identity-switching for roleplay
- Annual price: $26.67/month
Ultimate is justifiable for heavy media creators or users specifically wanting group chat and persona features. For everyone else, Premium provides comparable conversation quality at half the monthly price.
Understanding the Moments System
Moments are Secrets AI's in-app virtual currency. Every paid feature beyond text conversation draws from your Moments balance. Monthly allocations reset — unused Moments do not roll over indefinitely.
Cost per action:
| 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/minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000-1,500 Moments |
Real monthly budgets by tier:
On Plus (3,000 Moments): Approximately 60-120 images, or 5 full videos, or 30 minutes of voice calls. Mixed use — say 40 images, 3 videos, and 10 minutes of voice — runs about 2,500 Moments.
On Premium (8,000 Moments): Approximately 160-320 images, or 13 full videos, or 80 minutes of voice. Mixed use leaves comfortable headroom for varied activity throughout the month.
Bulk Moments purchases are available if you need more within a billing period: packages range from 1,980 Moments for $5.99 to 118,800 Moments for $249.99, with discounts up to 30.4% on larger bundles.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Cost | Annual (per month) | Monthly Savings | Annual Total |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $48.00 |
| Plus | $9.99 | $6.67 | $3.32 | $80.04 |
| Premium | $19.99 | $13.33 | $6.66 | $159.96 |
| Ultimate | $39.99 | $26.67 | $13.32 | $320.04 |
The 33% annual savings is consistent across tiers. The practical recommendation: try monthly for 2-3 months to confirm the platform fits your usage patterns, then switch to annual billing for ongoing savings.
Which Plan Is Right for You?
The honest breakdown based on actual usage patterns:
- Just exploring: Free tier — 200 Moments and 20 messages per day is enough to test conversation quality
- Text-focused, budget-conscious: Lite ($5.99/mo) — 100 messages/day, basic long-term memory
- Most users: Plus ($9.99/mo) — unlimited messaging, solid media access, reasonable Moments budget
- Relationship-focused users: Premium ($19.99/mo) — full memory system, emotional timeline, Time Machine
- Heavy media creators: Ultimate ($39.99/mo) — 15,000 Moments handles regular video use without running dry
The free vs premium comparison has a full side-by-side breakdown of every feature difference across tiers, including memory depth and media access. For context on how Secrets AI's pricing compares to platforms like CrushOn AI and Candy AI, see the alternatives guide.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 per transaction)
Not accepted: American Express.
Charges appear on bank statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI girlfriend, or adult content. This is intentional for billing discretion.
Cancellation is available at any time; access continues through the end of the current billing period. No public refund policy details are available — if you're uncertain about the platform, testing the free tier before purchasing reduces that risk. For the detailed platform review covering all features alongside pricing context, see the main review.
FAQ
Yes, with meaningful limitations. The free tier provides 20 messages per day, 200 starter Moments, access to the full character library, and basic short-term memory (last 2-3 exchanges only). Image and video generation are not available on free. The 200 Moments is a one-time starting credit — once spent, free users cannot generate more without upgrading to a paid plan.
Yes. Moments top-up bundles are available for purchase regardless of tier. Packages range from 1,980 Moments for $5.99 to 118,800 Moments for $249.99. Larger purchases come with discounts up to 30.4%. This lets you extend your media generation capacity mid-month without changing your subscription tier.
Monthly Moments allocations (the ones included with your subscription tier) do not roll over indefinitely between billing cycles. Purchased Moments bundles may have different terms, but the standard monthly grant resets at each billing cycle. This makes it worth planning your usage to avoid leaving large unused balances at the end of the month.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to Secrets AI, AI girlfriend, or adult content anywhere in the billing descriptor. For maximum payment privacy, cryptocurrency payment is also available with a minimum transaction of $20.