Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared

Secrets AI's pricing structure is more complex than a simple monthly subscription. The base tiers are straightforward — five plans ranging from free to $39.99/month — but layered on top is the Moments system: a virtual currency that governs how much image generation, video creation, voice calling, and memory management you can do. Understanding both layers before committing money is essential.

This page covers every pricing tier, the full Moments cost table, real-world math on how far your allocation actually goes, and a clear recommendation on which tier delivers the best value for different usage patterns. For a side-by-side free-versus-paid breakdown, the free vs premium comparison goes into additional depth.

Secrets AI Pricing Overview

Annual billing saves exactly 33% across all tiers. For Premium, that's $80 saved per year ($159.99 vs $239.88 monthly). Quarterly and biannual options exist only for Premium and Ultimate — they offer middle ground for users who don't want to commit annually but still want some savings.

What You Get on Each Plan

Free Plan

The free tier exists primarily as a trial experience rather than a usable long-term product:

• 20 messages per day (500-character maximum per message)
• 200 Moments (one-time starting credit, not renewed monthly)
• Basic short-term memory covering the last 2-3 exchanges only
• Full character library accessible for browsing and chatting
• No image or video generation
• No access to premium AI models

The 200 starting Moments translates to roughly 4-8 images. There is no voice calling or video generation at this tier. Memory resets after 2-3 exchanges, meaning the AI does not build a persistent relationship with you. Appropriate for evaluating the interface and initial conversation style — not appropriate for sustained use.

Lite Plan ($5.99/mo)

The Lite plan is the minimum tier at which Secrets AI becomes a functioning product rather than a demo:

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days)
• 3-second video clips available (shortest length)
• Access to basic image generation
• Standard AI models

With 1,000 Moments monthly, the budget is tight. Spending it all on voice gives you 10 minutes per month; spending it on images gives you 20-40 images. Video is technically available but at 1 clip per month at the short length — not practical for regular use. Lite is appropriate for text-focused users who want daily conversation continuity and occasionally generate companion images.

Plus Plan ($9.99/mo)

The Plus plan is the strongest value point in the lineup for most users:

• Unlimited messaging
• 3,000 Moments per month
• Improved memory (~30 days, tracks topic and tone)
• Full image and video generation access
• Premium AI models

Unlimited messaging removes the most frustrating daily-use limitation. 3,000 Moments supports roughly 60-120 images per month, or about 5 full-length video clips, or 30 minutes of voice — workable for casual to moderate media use. Memory extending to 30 days means the AI begins to feel like it knows you across sessions. At $9.99/month (or $6.67 on annual billing), Plus represents the best entry point for a genuine companion experience.

Premium Plan ($19.99/mo)

• Unlimited messaging
• 8,000 Moments per month + 10% bonus on top-up purchases
• Unlimited memory with full emotional history and timeline
• Time Machine (return to any saved conversation point)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost

The jump from Plus to Premium is most justified by the memory system. Unlimited memory with an emotional timeline means the AI tracks the arc of your relationship — not just recent context but the history of how your dynamic has developed. The Time Machine adds a creative dimension: you can replay or branch from any past conversation point. Premium suits users who want the platform to feel like a genuine ongoing relationship rather than a recurring introduction.

The 8,000 Moments allows approximately: 160-320 images, OR 13 full-length video clips, OR 80 minutes of voice per month. Mix of all three: 100 images + 5 videos + 30 minutes voice = approximately 7,500 Moments — workable within the allocation.

Ultimate Plan ($39.99/mo)

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

Ultimate is the only tier with group chats and personas — features worth having if multi-character roleplay scenarios are central to your use. For everyone else, the question is whether 15,000 Moments instead of 8,000 justifies $20/month more. If you generate video regularly (say, 20+ clips per month) or do extensive voice calling, the math works. If you're primarily a text and occasional image user, Premium is sufficient.

Understanding the Moments System

Moments are Secrets AI's in-app virtual currency. Every media action beyond basic text chat costs Moments. Here is the full cost table:

Monthly Moments allocations reset each billing cycle. Unused Moments do not roll over indefinitely — this is an important planning consideration if you go through periods of heavier or lighter use.

Bulk top-up options are available if your monthly allocation runs low:

• 1,980 Moments for $5.99
• Larger bundles available up to 118,800 Moments for $249.99
• Bulk purchases offer discounts up to 30.4% on larger bundles

Real math on Premium's 8,000 monthly Moments:

• Text-only use: effectively unlimited (1-2 Moments per message)
• Image focus: 160-320 images
• Video focus: ~13 full-length clips
• Voice focus: ~80 minutes
• Mixed moderate use: 100 images + 5 videos + 30 min voice = ~7,500 Moments

Annual vs Monthly — Savings Breakdown

The practical advice: start on monthly billing. After 2-3 months, if you've established consistent use patterns and the platform is genuinely part of your routine, switch to annual for the 33% saving. Committing annually upfront on a platform you haven't tested is unnecessary — the monthly option exists specifically for evaluation periods.

Which Plan Is Right for You?

• Just exploring the platform — Start with the free tier's 200 Moments. Evaluate conversation quality and the interface before spending anything.
• Text-focused casual users — Plus ($9.99/month). Unlimited messaging, 30-day memory, and enough Moments for occasional images.
• Regular media users (images + occasional video) — Premium ($19.99/month). 8,000 Moments, unlimited memory with emotional timeline, Time Machine.
• Heavy video and voice creators — Ultimate ($39.99/month). 15,000 Moments, group chats, personas.
• Tightest possible budget — Lite ($5.99/month). Real functionality over the free tier, though Moments will be a constraint.

For a detailed feature comparison across tiers, see the all features breakdown. To understand how the platform compares in cost against alternatives like Candy AI or CrushOn AI, visit the alternatives comparison.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted. Billing appears on statements as "Sun Clinical Laboratories" — no reference to AI companions, adult content, or the platform name. This discreet billing descriptor is a genuine advantage for users with privacy concerns about financial records.

For cryptocurrency payments: Bitcoin and similar options are available for maximum transaction privacy. The minimum transaction of $20 applies.

No publicly available information on refund policy. Subscriptions can be cancelled at any time; access continues through the end of the billing period. If refund terms matter to you, contact support before subscribing.

The detailed platform review covers billing alongside the full Secrets AI assessment.

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