Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The subscription price is only half the story on Secrets AI. The Moments virtual currency system sits underneath every paid plan, and how quickly those Moments deplete depends entirely on what you do with the platform. A Plus subscriber who mostly chats will have Moments left over at month-end. A Plus subscriber who generates video daily will hit zero within two weeks. Understanding both dimensions — subscription cost and Moments burn rate — is essential before committing.
This guide breaks down every tier, every cost per action, and the real math on what you can actually do each month. For a broader assessment of what each plan unlocks beyond pricing, see the detailed review.
Secrets AI Pricing Overview
| Plan | 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) |
Quarterly and biannual billing options are available for Premium and Ultimate only. Lite and Plus are available on monthly or annual billing.
What You Get on Each Plan
Free Plan
The free tier is a trial, not a usable long-term product. Here is what it includes:
- 20 messages per day (hard daily cap)
- 500-character maximum per message
- 200 Moments (starting credit, one-time — not monthly)
- Basic short-term memory (last 2-3 exchanges only)
- No image generation, no video generation, no voice calls
- Full access to the character library for browsing and basic chat
The 200 starting Moments are enough for roughly 4 images or a few text exchanges before they run out. After that, free users are limited to text-only conversation. The memory reset after 2-3 exchanges means the AI has no continuity between sessions. This tier is sufficient to evaluate whether you like the interface and conversation style — nothing more.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- Access to 3-second video clips
- Standard AI model
Lite is the entry point for users who want actual functionality beyond text chat. The 1,000 monthly Moments is enough for casual image generation (roughly 20-40 images) or 2-20 short video clips. It is not enough for regular media creation alongside other Moments-consuming features. Think of Lite as a meaningful step up from free without committing to a mid-range price.
Plus Plan ($9.99/mo)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone awareness)
- Full image and video generation access
- Standard AI model
Plus is the most commonly recommended tier for general users. Unlimited messaging removes the daily message anxiety, 3,000 Moments provides room for a mix of images and occasional videos, and the 30-day memory recall creates actual conversational continuity. For a comparison of how this holds up against premium tiers, see the free vs premium comparison.
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 (revisit past conversation states)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall: approximately 67%
Premium crosses into a qualitatively different experience. The unlimited memory with emotional timeline means the AI genuinely tracks relationship history, not just recent exchanges. The Time Machine feature is exclusive to this tier and above. Premium AI models produce noticeably more nuanced responses. The 8,000 monthly Moments covers regular media generation without constant budget anxiety.
Ultimate Plan ($39.99/mo)
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on top-up purchases
- Everything in Premium, plus:
- Group chats (up to 3 AI characters simultaneously)
- Personas (user identity-switching for roleplay)
- 6x memory access multiplier
- +100% context length boost
- Previous conversation recall: +100%
Ultimate is for power users with heavy media creation habits or users who want group chat and persona features, both of which are exclusive to this tier. The 15,000 monthly Moments is substantial — enough for consistent video generation alongside other features. The price jump from Premium ($19.99) to Ultimate ($39.99) is only justifiable if you use group chats, personas, or generate video at high volume.
Understanding the Moments System
Moments are the in-app currency used to gate all media and voice features. They are allocated monthly with your subscription and reset at each billing cycle — unused Moments do not roll over. Additional Moments can also be purchased separately.
Cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video clip (3 sec) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New character creation | 1,000-1,500 Moments |
Bulk Moments purchases (independent of subscription):
- 1,980 Moments — $5.99
- Scaling up to 118,800 Moments — $249.99
- Discounts up to 30.4% on larger bundles
- Premium subscribers get 10% bonus on top-ups; Ultimate gets 15%
Real budget math on Premium (8,000 Moments/month):
The 8,000 monthly allocation can support roughly:
- ~160-320 images, OR
- ~13 full-length videos, OR
- ~80 minutes of voice calls, OR
- A mixed usage of approximately 100 images + 5 videos + 30 minutes voice (~7,500 Moments)
Real budget math on Plus (3,000 Moments/month):
- ~60-120 images, OR
- ~5 full-length videos, OR
- ~30 minutes of voice calls
The practical takeaway: text messaging is cheap (1-2 Moments per message). Video is expensive (up to 600 Moments per clip). Users who primarily chat with occasional images can comfortably stay on Plus. Users who regularly generate videos should budget for Premium or Ultimate — or plan Moments top-up purchases.
Annual vs Monthly — Savings Breakdown
Committing to annual billing saves approximately 33% across Lite, Plus, Premium, and Ultimate.
| Plan | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00/mo ($48/yr) | ~33% |
| Plus | $9.99 | $6.67/mo ($80/yr) | ~33% |
| Premium | $19.99 | $13.33/mo ($160/yr) | ~33% |
| Ultimate | $39.99 | $26.67/mo ($320/yr) | ~33% |
The quarterly and biannual options for Premium and Ultimate provide savings between the monthly and annual rates — useful for users who want more flexibility than a full annual commitment but still want some discount. Quarterly Premium saves about 17% vs monthly; biannual Premium saves about 25%.
Which Plan Is Right for You?
The decision depends on what you plan to do with the platform:
- Just exploring, no commitment → Free (200 starting Moments, no card required)
- Text-focused casual user → Plus ($9.99/mo) — unlimited messaging, 3,000 Moments, 30-day memory
- Regular image generation → Plus or Premium depending on volume
- Regular video generation → Premium ($19.99) at minimum; Ultimate ($39.99) for heavy use
- Group chats or personas → Ultimate only
- Maximum savings on long-term use → Annual billing on your target tier
Most users fit the Plus profile. The Plus plan hits the sweet spot between cost, Moments allocation, and memory quality. Upgrading to Premium becomes worthwhile when unlimited memory, Time Machine, and Premium AI models matter — not just for more Moments. For a side-by-side breakdown of exactly what changes at each upgrade step, see all platform features.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Cryptocurrency is the most private payment option, leaving no bank-level record linked to the platform. For users who want financial discretion, this is the cleanest path.
Billing appears on bank and card statements as "Sun Clinical Laboratories" — no reference to AI, girlfriend apps, or adult content. Subscriptions can be cancelled at any time; access continues through the end of the paid billing period. Public refund policy details are not readily available on the platform.
For a comparison with competitors' pricing models, see the alternatives guide.
FAQ
Yes. A free account at secrets.ai requires no payment information and gives access to the full character library, 20 messages per day, and 200 starting Moments. However, those 200 Moments are a one-time grant (not monthly), image and video generation are not available on free, and the AI memory resets after only 2-3 exchanges. The free tier is best used to evaluate whether the platform suits you before purchasing a subscription.
Yes. Moments top-up bundles are available for purchase independently of your subscription tier. Bundles start at $5.99 for 1,980 Moments and scale to $249.99 for 118,800 Moments, with increasing per-Moment discounts at higher bundle sizes. Premium subscribers receive a 10% bonus on top-up purchases; Ultimate subscribers receive 15%. This is useful for occasional high-media months without permanently upgrading your subscription tier.
No. Monthly Moments allocations reset at each billing cycle. Unused Moments from the previous month are not carried forward. This is a meaningful consideration for users who travel or have inconsistent usage patterns. Separately purchased top-up Moments may have different expiry rules — check the platform's current terms for specifics, as this can change.
All Secrets AI charges appear on bank and credit card statements as "Sun Clinical Laboratories." There is no reference to AI, girlfriend platforms, or adult content in the billing descriptor. Users who prefer maximum financial privacy can also pay with cryptocurrency (minimum $20 transaction), which leaves no bank-level transaction record associated with the platform.