Secrets AI Pricing Broken Down: Every Tier, Every Cost, No Surprises

The sticker price on any Secrets AI plan is only half the story. The Moments system — the in-app currency that powers image generation, video creation, voice calls, and character creation — determines the real cost of using the platform. This page covers both: the subscription tiers and the per-action costs that most users don't fully understand until they're halfway through their Moments allocation.

For context on what each tier's features actually deliver, see the detailed review or the full feature breakdown.

Secrets AI Pricing Overview

All five plans, side by side:

Premium and Ultimate are the only tiers with quarterly and biannual options in addition to monthly and annual. Lite and Plus are monthly or annual only.

What You Get on Each Plan

Free Plan

The free tier exists to let you evaluate the platform before spending anything. What it actually provides:

• 20 messages per day
• 500-character maximum per message
• 200 Moments (one-time starting credit, not monthly)
• Memory covering only the last 2-3 exchanges
• Full character library access for browsing and chatting
• No image generation, no video generation, no voice calls

The 200 starting Moments are enough for a handful of images or a few minutes of exploration — but not enough to generate video or sustain any meaningful media use. Think of the free tier as a 1-2 session demo.

Lite Plan ($5.99/month)

Lite is the entry point for actual platform access:

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days recall)
• 3-second video clip access begins here
• Image generation enabled

At 1,000 Moments, you can generate roughly 20-40 images, or 2-20 three-second video clips, or about 10 minutes of voice calls — but not all three. Budget management starts to matter at this tier.

Plus Plan ($9.99/month)

Plus is where the platform opens up meaningfully:

• Unlimited messaging (no daily cap)
• 3,000 Moments per month
• Memory recall up to ~30 days with topic and tone awareness
• Full video and image generation access
• All AI models accessible

The jump from 100 messages/day to unlimited is significant. The memory upgrade from ~14 days to ~30 days with topic/tone awareness also meaningfully improves conversation quality. At $9.99/month (or $6.67 annually), this is the plan most users should start on. It covers the practical needs of casual-to-moderate users without the cost of Premium.

Premium Plan ($19.99/month)

Premium unlocks the full memory system and the best AI model access:

• Unlimited messaging
• 8,000 Moments per month + 10% bonus on additional top-up purchases
• Unlimited memory with emotional timeline tracking
• Time Machine feature (revisit and branch from past conversations)
• Premium AI models
• 4x memory access multiplier
• +60% context length

The 8,000 Moments allocation is where media generation becomes genuinely usable: roughly 160-320 images, or 13 long video clips, or 80 minutes of voice calls per month — or a realistic mix of all three. The emotional timeline memory and Time Machine are the features that matter most for users building long-term companion relationships.

Ultimate Plan ($39.99/month)

Ultimate adds group features on top of everything in Premium:

• 15,000 Moments per month + 15% bonus on top-ups
• Group chats with up to 3 AI characters simultaneously
• Personas (identity-switching for complex roleplay)
• 6x memory access multiplier
• +100% context length boost

The Moments allocation at this tier can sustain heavy video creation (25-300 clips per month depending on clip length). Group chats and Personas are genuinely unique features — no other tier includes them. If you don't plan to use those capabilities regularly, Premium at $19.99 is a better value.

Understanding the Moments System

Moments are the in-app currency. Every action beyond basic text conversation costs Moments:

Monthly allocations reset at each billing cycle. Unused Moments do not roll over indefinitely, so there's no benefit to hoarding — use them or lose them.

If your monthly allocation runs out, you can buy additional Moments in bulk:

• 1,980 Moments — $5.99
• Larger bundles up to 118,800 Moments — $249.99
• Discounts up to 30.4% on the largest bundles

Practical budget math for Premium (8,000 Moments/month):

A mix of 100 images (3,500 Moments) + 5 full videos (3,000 Moments) + 30 minutes voice (3,000 Moments) = ~9,500 Moments. That slightly exceeds the monthly allocation — so either reduce video frequency or buy a small top-up. This is the real-world Moments planning calculation most users need to do.

Annual vs Monthly — Savings Breakdown

For tiers with annual options:

The savings rate is approximately 33% across all paid tiers. The quarterly option for Premium saves about 16% ($16.67 vs $19.99/month) and is a reasonable middle ground if you're not ready to commit annually.

Recommendation: start on monthly billing to confirm the platform works for you, then switch to annual after 2-3 months if you're still using it regularly.

Which Plan Is Right for You?

The honest answer depends entirely on how you intend to use the platform:

Just testing the platform: Start free. The 200 starting Moments and 20 messages/day are enough to evaluate whether the chat quality and interface suit you. Don't spend money until you've confirmed you'll actually use it.

Text-focused casual use: Plus at $9.99/month. Unlimited messages, 3,000 Moments for occasional image generation, and 30-day memory. This covers the core experience without overpaying.

Regular image generation and some video: Premium at $19.99/month. The 8,000 Moments allocation handles a realistic mix of media generation, and the unlimited memory with emotional timeline is where the relationship simulation quality really lives.

Heavy video creation or group roleplay: Ultimate at $39.99/month. The 15,000 Moments allocation supports sustained video use, and group chats plus Personas unlock features unavailable at any other tier.

For a head-to-head breakdown of what exactly changes between free and paid access, the free vs premium comparison goes through every feature line by line. For options at lower price points, the cheaper alternatives page covers competing platforms.

Payment Methods and Billing

Accepted payment methods:

• Visa
• Mastercard
• Virtual debit cards
• Cryptocurrency (minimum $20 transaction)

American Express is not accepted. Payments are processed through third-party providers — Secrets AI does not store card data directly.

All charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI, companions, or adult content. Cryptocurrency provides maximum billing privacy for users who want no financial record of the transaction.

Cancellation is available at any time, with access continuing through the end of the paid billing period. Refund policy details are not publicly documented — contact support before billing if you have questions on this.

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