Secrets AI Pricing: Every Plan Explained, With Real Moment Math
Secrets AI has five pricing tiers — Free, Lite, Plus, Premium, and Ultimate. The monthly costs range from $0 to $39.99, but the real complexity is the Moments system layered on top of subscriptions. Understanding both is essential before committing to a plan.
This page walks through every plan in detail, what each one actually gets you, how far your Moments allocation goes in practice, and which tier offers the best value for different usage patterns.
⚠️ Prices listed are current as of May 2026. Verify current rates on the official Secrets AI website before purchasing.
Secrets AI Pricing Overview
| Tier | Monthly | Quarterly (per month) | Biannual (per month) | 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 |
Quarterly and biannual billing options exist for Premium and Ultimate. Annual billing saves 33% on Premium and Ultimate — equivalent to 4 months free per year.
The platform accepts Visa, Mastercard, virtual debit cards, and cryptocurrency (minimum $20 transaction). American Express is not accepted. Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI companions or adult content.
What You Get on Each Plan
Free Plan
The free tier exists to let you evaluate whether Secrets AI appeals to you. Here's exactly what you get:
- 20 messages per day (500-character maximum per message)
- 200 Moments (one-time starting credit — not replenished monthly)
- Basic short-term memory — only the last 2-3 exchanges are retained
- Full character library browsing and chat access
- No image generation
- No video generation
- No voice calls
200 Moments translates to roughly 4-8 images at 25-50 Moments each, or about 2 minutes of voice at 100 Moments per minute. There is no video on the free tier. Once your 200 starting Moments are spent, media generation stops.
Verdict: sufficient for a single session to test conversation quality. Not a usable long-term experience.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- 3-second video clips available
- All character library access
- Standard image generation
1,000 Moments monthly covers approximately 20-40 images, 2-20 short video clips, or 10 minutes of voice calls. It's workable if you use media sparingly. The 14-day memory window is a meaningful improvement over free — conversations feel more continuous.
Plus Plan ($9.99/mo)
The Plus tier is where the platform becomes genuinely usable for most people:
- Unlimited messaging
- 3,000 Moments per month
- Memory recall ~30 days with topic and tone awareness
- Full video and image generation access
- Standard and advanced image presets
- All character library access
3,000 Moments supports roughly 60-120 images, 5-60 videos (depending on length), or 30 minutes of voice. The jump from daily message limits to unlimited messaging alone is significant. Most users who aren't heavy media creators will find Plus sufficient.
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 feature (return to earlier conversation points)
- Premium AI models (higher response quality)
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall ~67% improvement
The emotional timeline and Time Machine are Premium's differentiating features. The AI builds a persistent, detailed model of your relationship — including emotional progression, recurring themes, and preferences — across every conversation. For users who want a relationship simulation rather than one-off interactions, Premium is the minimum viable tier.
8,000 Moments supports approximately 160-320 images, 13 long videos, or 80 minutes of voice calls per month.
Ultimate Plan ($39.99/mo)
Ultimate adds everything in Premium plus:
- 15,000 Moments per month + 15% bonus on top-up purchases
- Group chats with up to 3 AI characters simultaneously
- Personas (identity-switching for advanced roleplay)
- 6x memory access multiplier
- +100% context length boost
15,000 Moments monthly supports approximately 25-300 video clips or 300-600 images. Ultimate is designed for heavy media creators and users who want group dynamics or persona-based roleplay. At $39.99/month, it's a significant investment — the 33% annual discount brings it to $26.67/month, which is more justifiable for regular heavy use.
Understanding the Moments System
Moments are Secrets AI's in-platform currency. Every subscription tier includes a monthly Moments allocation. You spend Moments on media generation and premium features:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 sec) | ~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 |
Moments reset monthly. Unused Moments do not indefinitely accumulate — they expire on the monthly reset cycle. This means if you have 500 unused Moments at the end of a billing period, you lose them.
Additional Moments can be purchased in bulk at any time:
| Bundle | Moments | Price |
|---|---|---|
| Starter | 1,980 | $5.99 |
| ... | ... | ... |
| Large | 118,800 | $249.99 |
Bulk purchases offer discounts up to 30.4% compared to per-Moment implied pricing. Premium and Ultimate subscribers receive a 10% and 15% bonus respectively on all top-up purchases.
For a side-by-side comparison of what each tier's Moments allocation actually buys in practice, see the free vs premium comparison.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99/mo | $23.88/yr |
| Plus | $9.99 | $6.67 | $3.32/mo | $39.84/yr |
| Premium | $19.99 | $13.33 | $6.66/mo | $79.92/yr |
| Ultimate | $39.99 | $26.67 | $13.32/mo | $159.84/yr |
The 33% annual savings on Premium translates to roughly $80 per year. On Ultimate it's nearly $160 annually. Both are meaningful if you plan to use the platform long-term.
Recommendation: start on monthly billing to confirm the platform suits you, then switch to annual after 2-3 months of consistent use.
Which Plan Is Right for You?
The answer depends on how you intend to use the platform:
Just exploring, unsure if you'll stick around → Start with Free. Spend your 200 Moments testing conversation quality. If you like the AI's responses, upgrade to Plus.
Text-focused, casual user → Plus ($9.99/month). Unlimited messaging, 30-day memory, 3,000 Moments covers occasional image generation. Sufficient for regular daily conversation.
Regular image and occasional video user → Premium ($19.99/month). The 8,000 Moments allocation, unlimited memory, and emotional timeline unlock the full platform experience. This is where the relationship simulation feature actually functions as intended.
Heavy video and image creator, wants group chats or personas → Ultimate ($39.99/month). The only tier where volume video creation is financially sustainable without constant top-up purchases.
For context on what competing platforms charge for similar features, see the alternatives comparison. The detailed platform review covers whether the features justify the cost at each tier.
Payment Methods and Billing
- Accepted: Visa, Mastercard, virtual debit cards, cryptocurrency (min $20)
- Not accepted: American Express
- Billing descriptor: "Sun Clinical Laboratories" on bank and credit card statements
- Cancellation: Possible at any time; access continues through the end of the paid billing period
- Refunds: No publicly documented refund policy — contact support directly if issues arise
The discreet billing descriptor is a deliberate privacy feature. No reference to artificial intelligence, girlfriend platforms, or adult content appears in transaction records.
FAQ
Yes, Secrets AI has a free tier. It includes 20 messages per day, 200 one-time starting Moments, basic memory (last 2-3 exchanges only), and access to the full character library. However, there is no image or video generation on the free tier, and the 200 Moments are a one-time credit that does not replenish monthly. The free tier is sufficient to evaluate the platform but not for sustained use. Most users exhaust the free experience within 1-2 sessions and then decide whether to upgrade.
Yes. Moments can be purchased as top-up bundles independently of your subscription tier. Bundles start at 1,980 Moments for $5.99 and go up to 118,800 Moments for $249.99. Premium subscribers get a 10% bonus on all top-up purchases; Ultimate subscribers get 15% extra. If you're on Plus or Lite and run out of Moments mid-month, buying a bundle is a cheaper option than immediately upgrading your subscription tier.
No. Monthly Moments allocations reset at the start of each billing cycle, and unused Moments expire. This means if you receive 3,000 Moments with a Plus subscription but only use 1,500 in a given month, the remaining 1,500 are not carried forward. Plan your media creation accordingly to avoid waste. Purchased top-up Moments follow the same policy — use them within the billing period.
Charges from Secrets AI appear on bank statements and credit card statements as "Sun Clinical Laboratories." There is no reference to Secrets AI, artificial intelligence, AI companions, or adult content in the billing descriptor. This is a deliberate privacy feature. If you use cryptocurrency for payment, no billing descriptor appears at all — the transaction shows as a standard crypto transfer. The minimum cryptocurrency transaction is $20.