Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The headline prices on Secrets AI look reasonable — $9.99/month for the Plus plan, $19.99 for Premium. The part that catches users off guard is the Moments system: a secondary in-app currency that determines how much media generation you can do. Understanding both layers before subscribing saves frustration later.
This page covers every tier, what you actually get at each level, how Moments costs stack up, and which plan represents genuine value for different use cases.
Secrets AI Pricing Overview
Five tiers are available. Monthly billing is the most flexible; annual billing saves 33% on Plus through Ultimate.
| Plan | Monthly | Quarterly | Biannual | Annual (per month) |
|---|---|---|---|---|
| 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 |
Premium and Ultimate offer quarterly and biannual billing as middle-ground options. Lite and Plus are monthly or annual only.
What You Get on Each Plan
Free Plan
The free tier is a trial in practical terms. What it includes:
- 20 messages per day
- 500-character maximum per message
- 200 Moments (one-time starting grant, not monthly)
- Basic short-term memory (last 2-3 exchanges only)
- No image or video generation
- Full character library access for browsing
The 200 Moments disappear fast — roughly 4 images at 50 Moments each, or a couple of minutes of voice. The 20-message daily cap limits how much conversation depth you can build. Free is sufficient to evaluate the interface and basic chat quality, but it is not a sustainable ongoing experience.
Lite Plan ($5.99/mo)
Lite is the entry point to actual platform use:
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days)
- Access to 3-second video clips
At 1,000 Moments per month, you're working with a tight budget: approximately 20 images OR 2 full-length videos OR 10 minutes of voice calls. Lite suits users who want more conversation than the free tier without heavy media generation.
Plus Plan ($9.99/mo)
Plus is the most popular tier and the one most users should consider first:
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (~30 days, topic and tone awareness)
- Full video and image generation access
- Access to all 5 AI models
The jump from Lite to Plus is significant: unlimited messages removes the daily friction, and 3,000 Moments allows meaningful media use — roughly 60-120 images OR 5 full videos OR 30 minutes of voice per month. Annual billing brings this to $6.67/month.
Premium Plan ($19.99/mo)
Premium is the full-experience tier:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-ups
- Unlimited memory with full emotional timeline
- Time Machine (revisit and branch past conversations)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall ~67% better than Plus
The memory system alone justifies Premium for users who want genuine relationship continuity. The emotional timeline feature remembers how interactions have evolved over time, not just factual details. Annual billing brings Premium to $13.33/month.
Ultimate Plan ($39.99/mo)
Ultimate adds features not available at any lower tier:
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats (up to 3 AI characters simultaneously)
- Personas (identity-switching for roleplay)
- 6x memory access multiplier
- +100% context length boost
At 15,000 Moments, the math shifts substantially: approximately 300 images OR 25 full videos OR 150 minutes of voice per month — or meaningful combinations of all three. Annual billing brings Ultimate to $26.67/month.
Understanding the Moments System
Moments function as a secondary currency layered on top of your subscription tier. Every media action (and some non-media ones) 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 | 1,000-1,500 Moments (first is free) |
Practical math on Premium (8,000 Moments/month):
- Pure images: ~160-320 images
- Pure videos: ~13 full-length clips
- Pure voice: ~80 minutes
- Mixed (realistic): ~100 images + 5 videos + 30 min voice ≈ 7,500 Moments
Practical math on Plus (3,000 Moments/month):
- Pure images: ~60-120 images
- Pure videos: ~5 full-length clips
- Pure voice: ~30 minutes
Monthly Moments grants reset at the start of each billing period — unused credits do not roll over indefinitely. If you consistently underspend, you're effectively overpaying for capacity you're not using.
Bulk top-up options are available if you need more Moments mid-cycle:
| Bundle | Moments | Price |
|---|---|---|
| Starter | 1,980 | $5.99 |
| Standard | 7,920 | $19.99 |
| Large | 23,760 | $49.99 |
| Maximum | 118,800 | $249.99 |
The maximum bundle saves approximately 30.4% versus buying the starter tier repeatedly.
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99/mo | ~$24/year |
| Plus | $9.99 | $6.67 | $3.32/mo | ~$40/year |
| Premium | $19.99 | $13.33 | $6.66/mo | ~$80/year |
| Ultimate | $39.99 | $26.67 | $13.32/mo | ~$160/year |
The 33% annual discount is consistent across all tiers. The practical recommendation: subscribe monthly for the first 2-3 months to confirm you'll use the platform regularly, then switch to annual billing if satisfied.
Which Plan Is Right for You?
Just exploring the platform — Use the free tier first. The 200 Moments and 20 daily messages are enough to assess whether the conversation quality appeals before spending anything.
Text-focused casual use — Plus at $9.99/month. Unlimited messaging, 3,000 Moments for occasional media, and 30-day memory recall make this the sweet spot for users who want real relationship continuity without heavy media budgets.
Regular image generation + occasional video — Premium at $19.99/month. The 8,000 Moments handle a meaningful volume of media, and the unlimited emotional memory system justifies the price jump for users who value long-term continuity.
Heavy video and image creation — Ultimate at $39.99/month. The 15,000 Moments + 15% bonus on top-ups, combined with group chats and personas, serves users who treat media generation as the primary purpose.
For a side-by-side breakdown of exactly what changes between free and each paid plan, see the free vs premium comparison. For alternatives with different pricing structures (including flat-rate options), see the cheaper alternatives guide.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
Charges appear on bank and card statements as "Sun Clinical Laboratories" — there is no reference to AI, girlfriend, or adult content services. Cryptocurrency is accepted for users who prefer no card record at all.
Cancellation takes effect at the end of the current billing period. No mid-period refunds are documented in public-facing policy pages. There are no spending caps or parental controls documented on the platform.
For the detailed review covering overall platform assessment and ratings, see the main review page.
FAQ
Yes, there is a permanent free tier. It provides 200 one-time starting Moments, 20 messages per day, and access to the character library. The key limitation is that the 200 Moments are a one-time grant rather than a monthly allowance, so once they're spent the free experience becomes text-only. It's sufficient for evaluating the platform before purchasing.
Yes. Moments top-up bundles are available for purchase independently of your subscription level. Bundles range from 1,980 Moments ($5.99) to 118,800 Moments ($249.99). Buying in larger bundles reduces the per-Moment cost. Premium and Ultimate subscribers also receive a 10-15% bonus on any Moments top-up they purchase.
Monthly Moments grants from your subscription tier reset at the start of each billing period — unused credits do not carry forward. Moments purchased as top-up bundles may have different rollover behavior, but the monthly subscription grant is a use-it-or-lose-it allocation.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to Secrets AI, AI companion services, or adult content in the billing descriptor. For maximum billing privacy, cryptocurrency payment (minimum $20) leaves no card record at all.