⚠️ Secrets AI is an adult content platform for users aged 18+. Pricing is current as of May 2026 — verify on the official site before purchasing.
Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
A lot of AI companion platforms hide their real cost behind vague descriptions. Secrets AI is unusual in that the pricing structure is transparent — but the Moments currency system creates a second layer of cost that surprises users who only look at the subscription price. This guide covers both layers: what each plan costs per month, what you actually get in Moments, and exactly how far those Moments stretch for different usage patterns.
Secrets AI Pricing Overview
Five subscription tiers span from free to $39.99/month. Annual billing cuts the monthly rate by 33% on the three mid-to-top tiers.
| Plan | Monthly | Quarterly | Biannual | Annual (per month) | Moments/Month |
|---|---|---|---|---|---|
| Free | $0 | — | — | — | 200 (one-time) |
| Lite | $5.99 | — | — | $4.00 | 1,000 |
| Plus | $9.99 | — | — | $6.67 | 3,000 |
| Premium | $19.99 | $49.99 ($16.67/mo) | $89.99 ($15.00/mo) | $159.99 ($13.33/mo) | 8,000 + 10% bonus |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $319.99 ($26.67/mo) | 15,000 + 15% bonus |
Quarterly and biannual options are only available for Premium and Ultimate — the lower tiers offer monthly or annual billing only.
What You Get on Each Plan
Free Plan
The free plan is a genuine trial mechanism, not a long-term option. What it includes:
- 20 messages per day (hard cap)
- 500-character maximum per message
- 200 Moments — one-time starting credit, not a monthly renewal
- Basic short-term memory (last 2–3 exchanges only)
- No image or video generation
- Full character library access — you can browse and begin conversations
The 200 starting Moments give you enough to test the image generation feature (roughly 4–8 images at 25–50 Moments each) or a couple minutes of voice (100 Moments/minute). Video generation is not accessible on the free tier. After the initial Moments are spent, text-only conversation at 1–2 Moments per message is the only remaining activity.
Lite Plan ($5.99/month)
The first paid tier makes a noticeable practical difference:
- 100 messages per day (5x more than free)
- 1,000 Moments per month (monthly reset)
- Basic long-term memory — approximately 14-day recall window
- 3-second video clips accessible (approximately 50 Moments each)
- Standard image generation available
At $5.99/month ($4.00 on annual billing), Lite is the entry point for users who want ongoing conversation without daily message caps. The 1,000 monthly Moments are tight for media-heavy users — roughly 20 short video clips, or 20–40 images, or about 10 minutes of voice, but not all three.
Plus Plan ($9.99/month)
Plus is the most-recommended tier for general users. The core changes from Lite:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory — approximately 30-day recall with topic and tone awareness
- Full video and image generation (longer clips, not just 3-second)
- Access to all pre-built characters and scenarios
At $9.99/month ($6.67 on annual), the jump from Lite to Plus is justified primarily by the memory improvement and the Moments tripling from 1,000 to 3,000. Unlimited messaging removes the last friction point from the free and Lite tiers. For a side-by-side comparison of what the free tier is missing, the dedicated guide runs the numbers.
Premium Plan ($19.99/month)
Premium is the tier where the platform reaches its full capability:
- Unlimited messaging
- 8,000 Moments per month plus 10% bonus on top-up purchases
- Unlimited memory with full emotional timeline
- Time Machine feature — navigate back to previous conversation states
- Premium AI models (highest capability tier)
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall approximately 67% better than Plus
The emotional timeline and Time Machine are the headline Premium features. For users who are building a long-term companion relationship — one where the AI should remember significant events, emotional milestones, and relationship dynamics over months — Premium is where that experience becomes genuinely possible.
Ultimate Plan ($39.99/month)
Ultimate adds the platform's two social features to everything in Premium:
- 15,000 Moments per month plus 15% bonus on top-ups
- Group chats — up to 3 AI characters simultaneously
- Personas — user identity-switching for roleplay
- 6x memory access multiplier
- +100% context length boost
At $39.99/month, Ultimate makes financial sense primarily for heavy video and image creators. The Moments math: 15,000 Moments covers approximately 25 full-length videos (at 600 Moments each), or 300–600 images, or 150 minutes of voice calls — or a realistic mix of all three throughout the month.
Understanding the Moments System
Moments are the platform's virtual currency. Every action beyond basic text conversation costs Moments. Here is the full cost table:
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video (3-second clip) | ~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 |
Monthly Moments grants reset each billing cycle — unused Moments do not roll over indefinitely. This matters for budgeting: a month where you don't use your allocation does not carry forward to the next.
Bulk Moments top-ups are available separately from subscriptions:
- 1,980 Moments — $5.99
- Scaling bundles up to 118,800 Moments for $249.99
- Bulk discounts reach up to 30.4% on the largest packages
- Premium subscribers get 10% bonus, Ultimate subscribers get 15% bonus on all top-up purchases
Real math on Premium (8,000 Moments/month):
- Text-only, 1–2 Moments per message: 4,000–8,000 messages
- Images only at 50 Moments: 160 images
- Full videos only at 600 Moments: approximately 13 clips
- Voice only at 100/min: 80 minutes
- Realistic mixed use: 100 images + 3 videos + 20 min voice = approximately 6,300 Moments
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings Total |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $23.88 |
| Plus | $9.99 | $6.67 | $3.32 | $39.84 |
| Premium | $19.99 | $13.33 | $6.66 | $79.92 |
| Ultimate | $39.99 | $26.67 | $13.32 | $159.84 |
The 33% annual saving on Premium — from $19.99 to $13.33/month — is the most substantial in absolute dollar terms. At the Ultimate level, annual billing saves $159.84 over 12 months compared to paying month-to-month.
The practical recommendation: start with monthly billing for 2–3 months to confirm the platform fits your use pattern, then switch to annual once you are confident. Premium subscribers who commit to a year save roughly $80 — meaningful for a recurring expense.
Which Plan Is Right for You?
Use this as a quick reference:
- Casual text-only users — Plus ($9.99): unlimited messaging, 3,000 Moments, 30-day memory
- Regular image + occasional video — Premium ($19.99): 8,000 Moments + emotional memory
- Heavy video/image creators — Ultimate ($39.99): 15,000 Moments + group chats
- Testing the platform — Free: 200 Moments + 20 messages/day is enough for 1–2 sessions
- Tight budget, ongoing conversation — Lite ($5.99): removes daily cap, adds 1,000 Moments/month
For a deeper comparison of what each tier adds incrementally, the all features guide maps every capability to its tier requirement.
Payment Methods and Billing
- Accepted: Visa, Mastercard, virtual debit cards, cryptocurrency (minimum $20 transaction)
- Not accepted: American Express
- Billing descriptor: All card transactions appear as "Sun Clinical Laboratories" — no reference to AI, adult content, or the platform name
- Cryptocurrency: Provides complete payment anonymity; minimum $20 per transaction
- Cancellation: Cancel anytime; access continues through the end of the current billing period
- Refunds: No public refund policy documented on the site — factor this in before committing to longer billing cycles
FAQ
Yes, Secrets AI has a permanently free tier. It provides 20 messages per day, 200 one-time Moments (not monthly), a 500-character message limit, and basic short-term memory covering only the last 2–3 exchanges. Image and video generation are not accessible on the free plan. The free tier is functional as a platform demo — enough to evaluate the chat quality and interface for 1–2 sessions. For an ongoing companion experience with any media features or meaningful memory, a paid plan starting at $5.99/month is required.
Yes. Moments top-up bundles are available as one-time purchases completely separate from your subscription tier. The smallest bundle is 1,980 Moments for $5.99; the largest is 118,800 Moments for $249.99, with volume discounts reaching 30.4%. Premium subscribers receive a 10% bonus and Ultimate subscribers receive a 15% bonus on all top-up purchases. Top-ups are useful when you have hit your monthly allocation and want to continue generating images or videos without waiting for the next billing cycle.
No. Monthly Moments allocations reset at the start of each billing cycle, and unused Moments from the previous month do not carry forward indefinitely. This means if you purchased a Premium plan and only used 2,000 of your 8,000 monthly Moments, the remaining 6,000 are not added to the following month. The exception is separately purchased Moments top-up bundles — these are typically credited to your account balance and do not expire on a monthly schedule, though you should verify the specific expiry terms at checkout.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to Secrets AI, the AI girlfriend category, or adult content in the billing descriptor. This applies to both subscription payments and one-time Moments top-up purchases. For complete billing anonymity, cryptocurrency payments are available for any transaction of $20 or more.