⚠️ Pricing information is current as of May 2026 — verify current rates on the official site before subscribing.
Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The cheapest paid plan is $5.99/mo; the most expensive is $39.99/mo. Annual billing cuts every tier by 33%. The real pricing variable is Moments — the virtual currency that gates every media action. Understanding how fast Moments deplete on your use pattern determines which plan is actually worth it. Here is every number.
Secrets AI Pricing Overview
Full tier comparison across all billing cycles:
| Plan | Monthly | Quarterly | Biannual | Annual |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | ~$5.00/mo | ~$4.50/mo | $4.00/mo |
| Plus | $9.99 | ~$8.33/mo | ~$7.50/mo | $6.67/mo |
| Premium | $19.99 | ~$16.67/mo | ~$15.00/mo | $13.33/mo |
| Ultimate | $39.99 | ~$33.33/mo | ~$30.00/mo | $26.67/mo |
Annual savings are consistent at 33% off monthly pricing for all paid tiers. Quarterly and biannual options provide intermediate savings for users not ready to commit annually. Unused Moments do not roll over at the end of each billing cycle — any balance resets on renewal. For a breakdown of features per tier and whether upgrading is worth it, see the free vs premium comparison.
What You Get on Each Plan
Free Plan
- Messages: 20 per day maximum
- Message length: 500 characters maximum
- Moments: 200 (one-time, not monthly)
- Memory: Basic short-term only — last 2–3 exchanges
- Image generation: No
- Video generation: No
- Voice calls: No
- Character access: Full library browse and chat
The free plan is sufficient to test conversation quality for 1–2 sessions. The 200 one-time Moments deplete quickly — approximately 4–8 images, or a handful of short interactions. Free is a demo, not a sustainable use case.
Lite Plan ($5.99/mo)
- Messages: 100 per day
- Moments: 1,000/month
- Memory: Basic long-term recall (~14 days)
- Image generation: Yes (25–50 Moments each)
- Video generation: Yes — 3-second clips
- Voice calls: Yes (100 Moments/minute)
Lite covers the basic features but the 1,000 Moments/month budget is tight. At 25–50 Moments per image, you get 20–40 images before exhaustion. A single longer video clip (600 Moments) would consume most of the month's budget. Workable for text-focused users; constrained for media use.
Plus Plan ($9.99/mo)
- Messages: Unlimited
- Moments: 3,000/month
- Memory: Topic + tone aware, ~30-day recall
- Image generation: Full access
- Video generation: Full access
- Voice calls: Full access
Plus is the best value for most users. Unlimited messaging removes the most frustrating free-tier constraint, and 3,000 Moments supports a realistic mix of images and occasional videos. A practical monthly allocation on Plus: 60–120 images plus 5 short video clips plus 20 minutes of voice, leaving a modest buffer. Full video and image generation unlocked.
Premium Plan ($19.99/mo)
- Messages: Unlimited
- Moments: 8,000/month + 10% bonus (8,800 effective)
- Memory: Unlimited with emotional timeline + Time Machine
- AI models: Premium tier
- Memory access: 4x multiplier
- Context length: +60% boost
- Voice calls, images, video: Full access
Premium delivers the full Secrets AI experience. The unlimited emotional timeline memory is qualitatively different from Plus — the AI remembers relationship milestones, maintains character development, and provides genuine continuity across sessions. The Time Machine feature allows revisiting past interaction points. On 8,800 effective Moments/month, a realistic media budget includes ~13 full videos OR ~160–320 images OR ~80 minutes voice — or a mix combining all three.
Ultimate Plan ($39.99/mo)
- Messages: Unlimited
- Moments: 15,000/month + 15% bonus (17,250 effective)
- Memory: Everything in Premium + 6x access multiplier + +100% context length
- Group chats: Up to 3 AI characters simultaneously
- Personas: Identity-switching within sessions
- AI models: Highest tier
Ultimate is for heavy media creators and users who want group chat and persona features. At 17,250 effective Moments/month, the video budget alone could reach 25–300 clips depending on clip length. Group chats (exclusive to Ultimate) allow simultaneous interaction with up to 3 characters, including group image generation.
Understanding the Moments System
Moments are the virtual currency used for every non-text action on the platform. Text conversation costs only 1–2 Moments per message — cheap enough that messaging is effectively free on any paid plan.
| Action | Moments Cost |
|---|---|
| Text message | 1–2 |
| Image generation | 25–50 |
| Short video (3s) | ~50 |
| Long video | ~600 |
| Voice call | 100/minute |
| Manual memory save | 10 |
| New custom character | 1,000–1,500 |
Bulk Moments purchases are available independently of plan upgrades:
| Bundle | Moments | Price |
|---|---|---|
| Starter | 1,980 | $5.99 |
| Medium | ~12,000 | ~$29.99 |
| Large | ~40,000 | ~$99.99 |
| Maximum | 118,800 | $249.99 |
Monthly Moments allocations do not roll over. Unused Moments are forfeited at cycle renewal. This makes it important to assess your actual monthly usage pattern before selecting a tier — upgrading mid-cycle to avoid losing Moments is more expensive than choosing the right plan initially.
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate | Monthly Savings | Annual Total |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $48/yr vs $71.88/yr |
| Plus | $9.99 | $6.67 | $3.32 | $80.04/yr vs $119.88/yr |
| Premium | $19.99 | $13.33 | $6.66 | $159.96/yr vs $239.88/yr |
| Ultimate | $39.99 | $26.67 | $13.32 | $320.04/yr vs $479.88/yr |
Annual billing on Premium saves approximately $79.92 per year versus monthly. The recommendation: start monthly to validate the platform suits your usage, then switch to annual after 2–3 months if satisfied.
Which Plan Is Right for You?
- Just exploring: Free (200 Moments, test chat quality, no commitment)
- Text-only casual users: Plus ($9.99/mo) — unlimited messaging, 3,000 Moments for occasional media
- Regular image + occasional video: Premium ($19.99/mo) — 8,000+ Moments, full memory system
- Heavy video and image creators: Ultimate ($39.99/mo) — 15,000+ Moments, group chats
- Tight budget but want features: Lite ($5.99/mo) — entry point with video access
For the full feature-by-feature comparison of free vs paid, see the detailed tier comparison.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
Payment is processed through third-party payment providers — card data is not stored directly by Secrets AI. All charges appear on bank statements as "Sun Clinical Laboratories" with no reference to AI, adult content, or the platform name. Cryptocurrency payments provide maximum anonymity. Subscriptions can be cancelled at any time; access continues through the end of the current billing period. No publicly documented refund policy is available — refund requests should be directed to support before cancelling.
For the full platform assessment, see the detailed review.
FAQ
Yes, with significant limits. The free plan gives you 20 messages per day, a 500-character message cap, and a one-time allocation of 200 Moments. The Moments are not replenished monthly — once spent, the account effectively becomes a limited text-only experience. Free does not include image generation, video, or voice calls. It is functional for evaluating conversation quality but not for ongoing use.
Yes. Moments can be purchased in standalone bundles regardless of your current subscription tier. The smallest bundle is 1,980 Moments for $5.99. The largest available bundle is 118,800 Moments for $249.99. Purchased Moments are added to your account immediately and are used alongside your monthly plan allocation. They do not expire at cycle renewal the way plan-allocated Moments do — purchased Moments remain until spent.
No. Monthly Moments allocations included with subscription plans reset at each billing cycle. Any unspent plan Moments are forfeited on renewal. This is a meaningful consideration for Plus and Premium users who may not use all their Moments in lighter-activity months. Separately purchased Moments bundles do not expire on renewal — only plan-allocated Moments reset.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no mention of Secrets AI, AI girlfriend, or any adult platform terminology. This is a deliberate privacy measure. For users who want additional billing anonymity, cryptocurrency payments are accepted with a minimum transaction of $20.