Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI runs on a two-layer cost model: a subscription tier that controls messaging limits and monthly Moments allocation, and the Moments virtual currency system that covers every media action beyond text. Understanding both layers is necessary before choosing a plan — a subscription at the wrong tier means either overpaying for Moments you won't use or running dry on video and voice before mid-month.
The full feature breakdown explains what each capability costs to use. Here, the focus is purely on the numbers.
Secrets AI Pricing Overview
| Plan | Monthly | Quarterly (per mo) | Biannual (per mo) | Annual (per mo) | Moments/mo |
|---|---|---|---|---|---|
| Free | $0 | — | — | — | 200 (one-time) |
| Lite | $5.99 | — | — | $4.00 | 1,000 |
| Plus | $9.99 | — | — | $6.67 | 3,000 |
| Premium | $19.99 | — | — | $13.33 | 8,000 + 10% bonus |
| Ultimate | $39.99 | — | — | $26.67 | 15,000 + 15% bonus |
The platform offers quarterly and biannual options as intermediate commitments between monthly and annual billing — the exact rates for those intervals sit between the monthly and annual figures shown above.
What You Get on Each Plan
Free Plan
The Free tier provides:
- 20 messages per day maximum
- 500-character limit per message
- 200 Moments (one-time, not recurring)
- Basic memory — last 2-3 exchanges only
- Full character library access for browsing
- No image generation
- No video generation
- No voice calls
The 200 starting Moments give new users enough to generate a handful of images or test other features briefly. With no media generation and a 20-message daily cap, free access functions as a trial rather than an ongoing experience. Expect 1-2 sessions before Moments are depleted.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (approximately 14 days)
- 3-second video clips accessible
- Image generation accessible
- Voice calls accessible
At $5.99/month, Lite covers users who primarily want extended text conversation access and occasional image generation. The 1,000 monthly Moments budget is tight for video (which costs up to 600 Moments per clip), but functional for image generation at 25-50 Moments per image.
Plus Plan ($9.99/mo)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (approximately 30 days, topic and tone aware)
- Full video generation access
- Full image generation access
- Voice calls accessible
Plus is the recommended starting point for the majority of users. Unlimited messaging removes the daily cap friction, 3,000 Moments supports a reasonable mix of images, occasional videos, and voice time, and the memory improvement is meaningful for users building a persistent companion relationship.
Premium Plan ($19.99/mo)
- Unlimited messaging
- 8,000 Moments per month + 10% monthly bonus
- Unlimited memory with emotional timeline
- Time Machine feature access
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Full media access
The Premium tier unlocks the full memory system — the emotional timeline and Time Machine features are Premium-exclusive — and provides enough Moments for substantial media generation each month. The practical math: 8,000 Moments covers approximately 13 full-length videos, 160-320 images, or 80 minutes of voice calls, with room to mix across all three.
Ultimate Plan ($39.99/mo)
- Everything in Premium
- 15,000 Moments per month + 15% monthly bonus
- Group chats (up to 3 AI characters simultaneously)
- Personas feature
- 6x memory access multiplier
- +100% context length boost
Ultimate is purpose-built for heavy media creators and users who want the group chat and personas features. At $39.99/month, it represents significant spending — only justifiable if you are consistently generating large volumes of video content or actively using the group and persona features.
Understanding the Moments System
Moments function as Secrets AI's internal currency. Every action beyond basic text messaging consumes Moments:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image (standard) | 25 Moments |
| Image (advanced) | 50 Moments |
| Short video (3s) | ~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 |
Additional Moments can be purchased outside of subscription in bundles:
- 1,980 Moments — $5.99
- Larger bundles up to 118,800 Moments — $249.99
Unused monthly Moments do not roll over — they reset at the start of each billing cycle. This is a key consideration when choosing a tier: overbuying Moments through a higher-tier subscription wastes money if you consistently use less than allocated.
Real math on Premium (8,000 Moments/month):
- Video-heavy use: ~13 full clips + some images
- Image-heavy use: 160-320 images
- Voice-heavy use: ~80 minutes of voice calls
- Mixed use example: 100 images (~4,000 Moments) + 5 full videos (~3,000 Moments) + 10 min voice (~1,000 Moments) = 8,000 Moments used
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Price | Annual Price (per mo) | Annual Total | Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $48.00 | ~33% |
| Plus | $9.99 | $6.67 | $80.04 | ~33% |
| Premium | $19.99 | $13.33 | $159.96 | ~33% |
| Ultimate | $39.99 | $26.67 | $320.04 | ~33% |
All annual plans save approximately 33% versus monthly billing. The absolute saving on Premium is ~$80/year; on Ultimate, ~$160/year. These are meaningful amounts if you plan to use the platform consistently.
The practical recommendation is to start with monthly billing for 1-2 months while you establish actual usage patterns, then switch to annual once you know which tier fits your real needs.
Which Plan Is Right for You?
- Just exploring → Free tier (200 Moments to test basic chat and minimal images)
- Text-focused casual user → Plus ($9.99/mo) for unlimited messaging and 3,000 Moments
- Regular image + occasional video → Premium ($19.99/mo) for 8,000 Moments and full memory
- Heavy video creator or group chat user → Ultimate ($39.99/mo) for 15,000 Moments + group features
- Minimal budget, occasional use → Lite ($5.99/mo) if 100 messages/day and 1,000 Moments is enough
The free vs premium comparison goes deeper on the specific feature gaps between tiers, if you're deciding between specific plan combinations.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Payment is processed through third-party payment processors — card data is not stored directly by Secrets AI.
All charges appear on bank statements as "Sun Clinical Laboratories" with no reference to Secrets AI, AI companions, or adult content. This discretion is by design and applies across all payment methods except cryptocurrency, which provides no billing name at all.
Subscriptions can be cancelled at any time; access continues through the end of the paid billing period. No specific refund policy details are publicly documented, so verify current terms before purchasing if that's a concern. For more on billing privacy and security, the detailed review covers the privacy assessment.
FAQ
Secrets AI has a permanently free tier that provides 200 Moments (one-time allocation, not monthly), 20 messages per day, and browsing access to the full character library. The free tier does not include image generation, video generation, or voice calls. It is functional as an extended trial but not designed as a long-term free product.
Yes. Moments can be purchased as standalone top-up bundles without changing your subscription tier. The smallest bundle is 1,980 Moments for $5.99. Larger bundles scale up to 118,800 Moments for $249.99. This is useful if you hit your monthly allocation before the reset date but don't want to upgrade permanently.
No. Monthly Moments allocations reset at the start of each billing cycle. Any unused Moments from the previous month are lost. This makes it worth choosing a tier that matches your actual monthly usage rather than over-buying.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no mention of Secrets AI, AI girlfriends, or adult content in the billing descriptor. Cryptocurrency payment is also available for users who want no billing name visible at all.