Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI runs five pricing tiers — from a free entry point up to $39.99 per month. The tricky part is not reading the base prices but understanding the Moments system: a virtual currency that governs how much media you can generate. This guide maps every cost so you can calculate your real monthly spend before committing.
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) |
Premium and Ultimate offer quarterly and biannual billing as middle-ground commitment options. Lite and Plus are monthly or annual only.
What You Get on Each Plan
Free Plan
The free tier is a trial-level experience, not a sustainable long-term option:
- 20 messages per day maximum
- 500-character limit 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 browsable and chatfable
The 200 starting Moments let you generate roughly 4-8 images or test a few minutes of voice. Once depleted, media generation stops until you upgrade. The 20 daily message cap severely limits conversation depth.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (approximately 14 days of recall)
- 3-second video clips available (shortest format)
- Image generation available
Lite is the entry point for users who need more than the free tier can offer but want to keep costs minimal. The 1,000 monthly Moments support either modest image generation or a few short video clips — not both simultaneously without careful budgeting.
Plus Plan ($9.99/mo)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory: approximately 30 days, topic and tone awareness
- Full video and image generation access
- Access to all standard features
Plus is the recommended tier for most users. Unlimited messaging removes the daily cap friction. The 3,000 monthly Moments support a reasonable mix of images and occasional videos. Memory quality improves meaningfully from Lite, though it still lacks the emotional timeline depth of Premium.
Premium Plan ($19.99/mo)
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-up purchases
- Unlimited memory with full emotional timeline
- Time Machine conversation history access
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall improved approximately 67%
Premium is the plan for users who want the complete relationship simulation experience. The emotional timeline and Time Machine features make a qualitative difference in how the AI maintains the relationship across sessions.
Ultimate Plan ($39.99/mo)
- Everything in Premium
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats: up to 3 AI characters simultaneously
- Personas feature: identity-switching for roleplay
- 6x memory access multiplier
- +100% context length boost
Ultimate makes sense for heavy video and image creators who will use the full 15,000 Moments allocation, and for users who want group chat or Persona functionality. For casual-to-moderate users, Premium covers the meaningful features at a lower cost.
Understanding the Moments System
Moments are Secrets AI's virtual currency. Every media action costs Moments; text messages cost very little. Monthly allocations reset without rollover — unused Moments disappear at the end of each billing period.
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video clip (3 seconds) | ~50 Moments |
| Full/long video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New character creation | 1,000-1,500 Moments |
Real math for Premium (8,000 Moments/month):
- Text-only: effectively unlimited (8,000 ÷ 2 = 4,000 messages)
- Images only: 160-320 images
- Long videos only: approximately 13 clips
- Voice only: approximately 80 minutes
- Mixed realistic use (100 images + 5 long videos + 30 min voice): ~7,500 Moments
Bulk Moments purchases are available separately if you exhaust your monthly allocation:
| Bundle | Price |
|---|---|
| 1,980 Moments | $5.99 |
| Top range | 118,800 Moments for $249.99 |
Discounts reach up to 30.4% on larger bundles. Premium and Ultimate subscribers receive bonus percentages (10% and 15% respectively) on all top-up purchases.
For detailed feature comparisons by tier, see the all features page.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00/mo ($48/yr) | ~33% |
| Plus | $9.99 | $6.67/mo ($80/yr) | ~33% |
| Premium | $19.99 | $13.33/mo ($160/yr) | ~33% |
| Ultimate | $39.99 | $26.67/mo ($320/yr) | ~33% |
All paid tiers offer approximately 33% savings on annual billing. Quarterly and biannual options exist for Premium and Ultimate — biannual saves about 25% vs monthly.
Recommendation: use monthly billing for the first 2-3 months to verify the tier fits your usage patterns. Switch to annual once confirmed.
Which Plan Is Right for You?
The decision depends primarily on how you use media generation:
- Text-focused users (minimal media): Plus ($9.99) — unlimited messages, 3,000 Moments covers light image use
- Regular image + occasional video users: Premium ($19.99) — 8,000 Moments handles a genuine mix
- Heavy video and image creators: Ultimate ($39.99) — 15,000 Moments plus group chats
- Just exploring: Free tier (200 starting Moments, 20 messages/day as a genuine trial)
For the full decision breakdown including memory system comparisons, read the free vs premium comparison.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI, girlfriend platforms, or adult content categories. Cryptocurrency payment provides the highest level of financial privacy.
Cancellation is available at any time; access continues through the end of the current billing period. Specific refund policy details are not publicly documented on the platform.
For additional billing privacy details, see the detailed review.
Is Secrets AI free to use?
The free tier is real and functional. You get 200 starting Moments, 20 messages per day, and access to the full character library. The free tier works as an extended test drive rather than a long-term usable product — the 200 Moments are a one-time grant and media generation stops once depleted. Sustained use without paying is not practical.
Can I buy more Moments without upgrading?
Yes. Moments can be purchased separately in bundles starting at 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. You do not need to upgrade your subscription tier to buy additional Moments. Premium and Ultimate subscribers receive a 10% or 15% bonus respectively on all Moments purchases.
Do unused Moments roll over?
No. Monthly Moments allocations reset at the end of each billing period. Unused Moments from your plan allocation are forfeited. Separately purchased Moments may have different expiration terms — check account settings for specifics on any top-up purchases.
How does the billing show on my statement?
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 adult content in the billing descriptor. This applies to subscription charges and Moments top-ups alike.