Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The Secrets AI pricing structure has five tiers running from $0 to $39.99 per month. Understanding it properly requires looking at two things simultaneously: the subscription cost and the Moments currency that governs media generation. Neither makes complete sense without the other. This guide walks through every tier, every cost per action, and the math behind which plan actually delivers the best value.
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) |
Annual billing delivers 33% savings on Plus, Premium, and Ultimate. The quarterly and biannual billing cycles are available for Premium and Ultimate as a middle ground between commitment and discount. For a fuller picture of what each tier actually delivers, see the detailed review.
What You Get on Each Plan
Free Plan
The free tier provides 20 messages per day with a 500-character message limit per message. You receive 200 Moments as a one-time starting credit. Memory retains only the last two to three exchanges — there is no cross-session continuity. Image and video generation are not accessible. You can browse the full character library and start conversations.
In practice: 200 Moments covers roughly four images or about two minutes of voice. Once spent, they do not replenish on the free tier. The free plan is a functional demo that lets you assess conversation quality and interface, but it cannot support sustained use.
Lite Plan ($5.99/mo)
Lite raises the message ceiling to 100 per day and provides 1,000 Moments per month. Memory extends to approximately 14 days of basic long-term recall. Three-second video clips become accessible at this tier.
The Lite plan suits text-focused users who want more conversation headroom but are not yet committed to media generation. The 1,000 Moments allocation covers roughly 20-40 images or 20 short three-second video clips per month — not a heavy media budget.
Plus Plan ($9.99/mo)
Plus removes the daily message limit entirely (unlimited messaging) and provides 3,000 Moments per month. Memory improves to approximately 30 days with topic and tone awareness. Full image and video generation access is included.
This is the recommended entry point for most users. Unlimited text messaging removes the friction of the daily cap, and 3,000 Moments per month supports regular image use or occasional video creation. At $6.67 per month on annual billing, it represents the most efficient cost-per-feature entry point in the lineup.
Premium Plan ($19.99/mo)
Premium provides 8,000 Moments per month plus a 10% bonus on any top-up purchases. Memory becomes unlimited with a full emotional timeline — the AI maintains comprehensive recall across all sessions, tracks emotional signals, and retains relationship history indefinitely. The Time Machine feature for revisiting past conversation branches is included. Premium AI models and a 4x memory access multiplier are activated, along with a 60% context length boost.
The math on 8,000 Moments: approximately 160-320 images, or 13 full-length video clips (at 600 Moments each), or 80 minutes of voice calls per month. A realistic mixed-use month — 100 images, five videos, 30 minutes voice — consumes roughly 7,500 Moments, leaving a small buffer.
Ultimate Plan ($39.99/mo)
Ultimate includes everything in Premium and adds 15,000 Moments per month with a 15% bonus on top-ups. Group chats (up to three AI characters simultaneously), personas for identity-switching roleplay, a 6x memory access multiplier, and a 100% context length boost are exclusive to this tier.
At 15,000 Moments, heavy video users can generate approximately 25 full-length clips per month while still having allocation left for images and voice. The group chat and persona features are unique to Ultimate. For users who do not need those specific features, Premium at $19.99 typically delivers better value.
Understanding the Moments System
Moments are Secrets AI's virtual in-app currency. Every feature beyond text chat consumes Moments at different rates:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Full-length video | ~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 at the start of each billing cycle. Unused Moments do not roll over indefinitely — budget accordingly.
Bulk purchase options: Additional Moments can be bought outside the subscription: 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. Discounts reach up to 30.4% on larger bundles. Premium subscribers receive a 10% bonus and Ultimate subscribers receive a 15% bonus on any top-up purchase.
Critical insight for video users: A full-length video at 600 Moments represents the same cost as 12-24 images, 6 minutes of voice, or 300-600 text messages. Video is the fastest way to drain a Moments allocation; plan accordingly.
For the free vs premium comparison that shows exactly how many images, videos, and voice minutes each tier supports, see the dedicated breakdown.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Cost | Annual Cost/Month | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| 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 discount is consistent across all paid tiers. The quarterly option at $49.99/month for Premium ($16.67/mo effective) and the biannual at $89.99 ($15.00/mo effective) represent intermediate commitment levels. The recommendation: start monthly for the first one to two months to confirm the platform suits your use pattern, then switch to annual for long-term savings.
Which Plan Is Right for You?
The right tier depends almost entirely on how you plan to use the platform:
- Just exploring the platform: Start free — 200 Moments and 20 messages/day is enough to evaluate conversation quality.
- Text-focused casual use: Lite ($5.99/mo) if you want more messages; Plus ($9.99/mo) if you want no daily cap.
- Regular use with occasional image generation: Plus ($9.99/mo) — the 3,000 Moments/month handles light media use.
- Regular media generation (images + some video): Premium ($19.99/mo) — 8,000 Moments gives real headroom.
- Heavy video creators or group chat users: Ultimate ($39.99/mo) — the only tier with group chats, personas, and enough Moments for frequent video.
For users trying to decide between alternatives before committing, see the cheaper alternatives guide.
Payment Methods and Billing
Accepted payment methods: Visa, Mastercard, virtual debit cards, and cryptocurrency (minimum $20 transaction). American Express is not accepted. Payment processing is handled by third-party providers — card data is not stored directly by Secrets AI.
Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI companion services or adult content. For users wanting maximum payment privacy, cryptocurrency is the cleanest option. Cancellation is available at any time; access continues through the end of the paid billing period.
No public information is available on refund policy. Before upgrading, check the current terms on the official site.
FAQ
Yes, there is a free tier. It provides 200 Moments (one-time), 20 messages per day, and access to the full character library. Image and video generation are not available on free. The free tier is best understood as a trial — sufficient to test conversation quality for one or two sessions but not for sustained relationship-style use due to the message limit and absence of memory continuity.
Yes. Moments bundles can be purchased independently of your subscription tier. Options range from 1,980 Moments for $5.99 to 118,800 Moments for $249.99, with discounts up to 30.4% on larger purchases. Premium subscribers receive an additional 10% bonus and Ultimate subscribers receive 15% on all top-up purchases.
Monthly Moments allocations included in subscriptions do not roll over indefinitely at the end of a billing cycle. Purchased top-up Moments may have different rollover terms — check the current policy on the platform at the time of purchase.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to the platform name, AI, girlfriend, or adult content in the billing descriptor. Cryptocurrency payments leave no card statement record at all.