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

Secrets AI has five subscription tiers running from free up to $39.99 per month. Reading the tier prices is the easy part. The decision-making challenge is the Moments system — the virtual currency that governs how much media you can generate each month. This guide walks through every number so you can calculate your realistic monthly cost before upgrading.

All Five Pricing Tiers at a Glance

Secrets AI pricing is structured around monthly base cost plus a Moments allocation. Higher tiers get more Moments and unlock additional features:

Free — $0/month

• 20 messages per day, 500-character limit
• 200 Moments (one-time starting grant, not monthly)
• Last 2-3 exchanges memory only
• No media generation

Lite — $5.99/month ($4.00/month billed annually)

• 100 messages per day
• 1,000 Moments per month
• Approximately 14-day memory recall
• Short 3-second video clips, images, voice calls

Plus — $9.99/month ($6.67/month billed annually)

• Unlimited messages
• 3,000 Moments per month
• Approximately 30-day memory with topic and tone awareness
• Full video (all lengths), images, voice calls

Premium — $19.99/month ($13.33/month billed annually, $16.67 quarterly, $15.00 biannual)

• Unlimited messages
• 8,000 Moments per month + 10% bonus on top-ups
• Unlimited memory with full emotional timeline
• Time Machine, premium AI models, 4x memory access, +60% context length

Ultimate — $39.99/month ($26.67/month billed annually, $33.33 quarterly, $30.00 biannual)

• Everything in Premium
• 15,000 Moments per month + 15% bonus on top-ups
• Group chats (up to 3 characters), Personas
• 6x memory access, +100% context length

Understanding the Moments System

Every action on Secrets AI costs Moments — with the exception that text messages are so cheap (1-2 Moments each) that they are functionally unlimited on any paid plan. The real Moments cost is in media generation:

What each action costs:

• Text message: 1-2 Moments
• Image generation: 25-50 Moments per image
• Short video clip (3 seconds): approximately 50 Moments
• Full/longer video clip: approximately 600 Moments
• Voice call: 100 Moments per minute
• Manual memory save: 10 Moments
• New custom character: 1,000-1,500 Moments

Monthly Moments reality check on Plus (3,000 Moments):

• Spend on images only: 60-120 images
• Spend on short video clips only: approximately 60 clips
• Spend on long video clips only: approximately 5 clips
• Spend on voice only: approximately 30 minutes
• Realistic mixed use: running tight with regular video generation

Monthly Moments reality check on Premium (8,000 Moments):

• Realistic mixed use (100 images + 5 long videos + 30 min voice): approximately 7,500 Moments — comfortable
• Heavy video (13 long clips + some images): uses full allocation

Monthly Moments reset at the end of each billing period. Unused Moments are forfeited — there is no rollover.

Bulk Moments purchases: Available separately from subscription. Range: 1,980 Moments for $5.99 up to 118,800 Moments for $249.99, with discounts up to 30.4% on larger bundles. Premium and Ultimate subscribers receive bonus percentages (10% and 15% respectively) on all top-up purchases.

For a complete feature comparison by tier, see the all features page.

Annual vs Monthly Savings

All paid tiers offer approximately 33% savings on annual billing. Premium and Ultimate also offer quarterly (saves approximately 17% vs monthly) and biannual (saves approximately 25%) options:

• Lite: $5.99/mo → $4.00/mo annually — saves approximately $24/year
• Plus: $9.99/mo → $6.67/mo annually — saves approximately $40/year
• Premium: $19.99/mo → $13.33/mo annually — saves approximately $80/year
• Ultimate: $39.99/mo → $26.67/mo annually — saves approximately $160/year

Quarterly billing for Premium costs $49.99 ($16.67/mo); biannual costs $89.99 ($15.00/mo). Same progression for Ultimate at $99.99 quarterly and $179.99 biannual.

Strategy: start with monthly to verify the plan fits your actual usage. Switch to annual once you have used it for 2-3 months.

Which Plan Is Right for You?

The correct tier depends on how you use media generation. Text alone is cheap on any tier — the decision point is always media:

Start on Free: You want to see if you like the interface and conversation quality before spending anything. Remember: the 200 starting Moments are one-time. After depletion, free is text-only.

Choose Lite ($5.99): You primarily want more text messages (100/day vs free's 20) and occasional images. Not ideal if video is important — 1,000 Moments per month is tight for regular video use.

Choose Plus ($9.99): The best value for most users. Unlimited messaging, 3,000 Moments, 30-day memory. Works for regular image generation and occasional video. The point where relationship simulation becomes genuinely functional.

Choose Premium ($19.99): You want persistent emotional memory, use images regularly, and want at least 10-15 long video clips per month. The emotional timeline and Time Machine are meaningful at this tier.

Choose Ultimate ($39.99): You are a heavy video and image creator, want group chat capability, or need the 15,000 Moments allocation to avoid constantly watching your balance.

For a decision-focused breakdown with tier-by-tier assessment, see the free vs premium comparison.

Payment Methods and Billing

Accepted payment methods on Secrets AI:

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

American Express is not accepted. All charges appear on bank and credit card statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI girlfriend services, or adult content. Cryptocurrency provides the highest financial privacy with no bank statement entry.

Subscriptions can be cancelled at any time. Access continues through the end of the billing period. Refund policy specifics are not publicly documented.

For payment privacy details and security information, the detailed review covers billing discretion in full context.

Is Secrets AI free to use?

A free tier exists with 200 starting Moments (one-time), 20 messages per day, and access to the full character library for browsing and chatting. The free experience is legitimate for testing — you can evaluate conversation quality, browse all characters, and generate a few images before spending anything. Sustained use without paying is possible on text alone (20 messages/day indefinitely), but media generation stops when the 200 Moments are depleted.

Can I buy more Moments without upgrading my plan?

Yes. Moments are available for separate purchase at any time, regardless of your subscription tier. Bundles start at 1,980 Moments for $5.99 and scale up to 118,800 Moments for $249.99. Discounts increase on larger bundles. Premium and Ultimate subscribers receive 10% and 15% bonus Moments respectively on all top-up purchases.

Do unused Moments roll over?

No. Monthly Moments allocations from your subscription plan reset at the end of each billing period. Unused monthly Moments are forfeited. Separately purchased Moments bundles may have different expiration terms — check account settings for clarity on any top-up purchases you make outside the monthly plan allocation.

How does the billing show on my statement?

Every charge from Secrets AI — subscription payments and Moments top-up purchases alike — appears as "Sun Clinical Laboratories" on bank and credit card statements. No reference to Secrets AI, AI girlfriend, adult content, or anything similar appears in the billing descriptor.