Secrets AI Pricing: The Numbers Behind the Subscription
Secrets AI has a two-layer pricing structure. The first layer is the subscription tier (Free through Ultimate). The second layer is the Moments system — the virtual currency that powers media generation and premium features. Understanding both layers together is what separates users who feel they're getting value from users who feel constantly nickel-and-dimed.
This page covers every number: exact tier prices, Moments allocations, per-action Moments costs, annual savings, and a practical guide to which tier fits which usage type.
⚠️ All prices reflect May 2026 rates. Confirm current pricing on secrets.ai before purchasing.
Subscription Tier Pricing
Secrets AI offers five subscription tiers:
Free — $0/month
The starting point. Includes 20 messages per day with a 500-character cap, 200 one-time Moments (not a monthly allocation — this is a welcome credit that doesn't refill), and memory covering only the last 2-3 exchanges. No image or video generation. Access to the full character library for browsing.
Lite — $5.99/month ($4.00/month annual)
100 messages per day, 1,000 Moments per month, ~14-day memory recall, 3-second video clips, standard image generation. The minimum tier for any meaningful media interaction.
Plus — $9.99/month ($6.67/month annual)
Unlimited messaging, 3,000 Moments per month, ~30-day memory with topic and tone tracking, full video and image generation access. The practical entry point for most users.
Premium — $19.99/month ($16.67/quarterly, $15.00/biannual, $13.33/annual)
Unlimited messaging, 8,000 Moments per month (plus 10% bonus on top-up purchases), unlimited memory with full emotional timeline, Time Machine feature, premium AI models, 4x memory access multiplier, +60% context length boost.
Ultimate — $39.99/month ($33.33/quarterly, $30.00/biannual, $26.67/annual)
Everything in Premium plus: 15,000 Moments per month (plus 15% top-up bonus), group chats up to 3 characters, personas, 6x memory access multiplier, +100% context length boost.
The Moments System: A Closer Look
Every media action on Secrets AI costs Moments. Here's the complete cost breakdown:
Messaging: 1-2 Moments per text message. The cheapest action on the platform — you can have hundreds of text exchanges on a few hundred Moments.
Image generation: 25-50 Moments per image. Standard model is 25 Moments; advanced/Premium model costs more. With 3,000 Plus-tier Moments, you can generate 60-120 images in a month.
Video clips: ~50 Moments for a 3-second clip (Lite tier); ~600 Moments for a full longer clip. This is where Moments budgets get strained. A month of moderate video use at the Plus tier (5 long videos) consumes 3,000 Moments — your entire monthly allocation.
Voice calls: 100 Moments per minute. At the Plus 3,000 Moments allocation, that's ~30 minutes of voice per month if you spend all your Moments on voice.
Manual memory save: 10 Moments each. Cheap relative to media; worth doing for important context.
New custom character: 1,000-1,500 Moments. The first character is free. Additional characters represent a meaningful Moments spend — plan character creation around your monthly allocation.
Moments reset monthly. Unused Moments do not roll over. Whatever is left at the end of your billing cycle is gone when the new allocation arrives.
Top-up purchases are available at any time: bundles from 1,980 Moments for $5.99 to 118,800 Moments for $249.99. Bulk purchases offer up to 30.4% discount on implied per-Moment pricing. Premium subscribers receive a 10% bonus on every top-up; Ultimate subscribers receive 15%.
Real Usage Math: What Each Tier Actually Buys
Rather than abstract numbers, here's what each tier's Moments allocation enables in concrete monthly terms:
Lite (1,000 Moments/month):
Text-heavy users: ~500+ message exchanges. Image users: ~20-40 images. Video: ~2 short clips. Voice: ~10 minutes. Heavy media use exhausts this in days.
Plus (3,000 Moments/month):
Realistic mixed month: 50 images (1,250-2,500 Moments) + 2 long videos (1,200 Moments) + 10 minutes voice (1,000 Moments) = 3,450-4,700 Moments. At Plus level, regular video use pushes past the monthly allocation and requires either top-up purchases or restraint.
Premium (8,000 Moments/month):
Realistic mixed month: 100 images (2,500-5,000 Moments) + 5 long videos (3,000 Moments) + 20 minutes voice (2,000 Moments) = 7,500-10,000 Moments. Premium users who generate moderate video stay within allocation; heavy video users will occasionally need top-ups.
Ultimate (15,000 Moments/month):
Realistic mixed month: same as Premium but with much more headroom. 200 images + 10 long videos + 40 minutes voice = ~11,000-15,000 Moments. Ultimate is designed so that even heavy mixed-media users rarely need top-ups.
Annual Billing: The Savings Calculation
Annual billing is available for all paid tiers. The savings structure is consistent at approximately 33% off the monthly rate:
Lite: $5.99/month vs $4.00/month annual — saves $23.88 per year
Plus: $9.99/month vs $6.67/month annual — saves $39.84 per year
Premium: $19.99/month vs $13.33/month annual — saves $79.92 per year
Ultimate: $39.99/month vs $26.67/month annual — saves $159.84 per year
Quarterly and biannual options exist for Premium and Ultimate, offering intermediate savings for users who want to commit for longer than a month but aren't ready for a full year.
The 33% saving on Premium ($79.92/year) is substantial enough to justify the commitment for users who are consistently active on the platform. Start monthly to confirm the platform works for you, then switch to annual.
Which Tier Matches Your Usage Pattern
This is the question the pricing structure makes more complex than necessary. Here's a direct guide:
Occasionally explore, no media commitment → Free tier, or Lite at $5.99/month if you want the 14-day memory and occasional image generation.
Regular daily conversation, occasional images, no video → Plus at $9.99/month. Unlimited messaging + 3,000 Moments covers this usage pattern comfortably.
Regular conversation + frequent images + occasional video (1-5 long clips/month) → Premium at $19.99/month. The 8,000 Moments allocation handles this usage without constant top-ups. The emotional timeline memory also unlocks at this tier, which significantly improves the companion relationship experience.
Heavy video/image creator (10+ long clips/month), wants group chats or personas → Ultimate at $39.99/month. The only tier where sustained heavy media use is financially sustainable without constant additional purchases.
For context on what each feature level means experientially, the free vs premium comparison guide gives a detailed breakdown. For the platform review covering whether these features justify the cost, see the full assessment.
Payment Methods and Billing Details
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
Billing descriptor on statements: "Sun Clinical Laboratories" — no reference to AI companions, adult content, Secrets AI, or Secret Labs. This is intentional and consistent across all card-based payment methods.
Cryptocurrency payments leave no merchant reference in any third-party record — the transaction appears as a standard crypto transfer.
Subscriptions can be cancelled at any time. Access continues through the end of the paid billing period after cancellation. No publicly documented refund policy — contact support directly if issues arise.
For additional detail on payment privacy and what data Secrets AI collects, see the safety and privacy review.
Comparing Secrets AI Pricing to Competitors
Context helps:
- CrushOn AI: Starts at $5.99/month (same as Lite) — no video generation but zero-filter content
- Candy AI: Starts at $12.99/month — better images but no comparable video feature, higher entry price
- Janitor AI: Effectively free with your own API key — but requires setup, no video, no media pipeline
- GirlfriendGPT: Starts at $15/month — strong conversation memory but no video generation
- Character.AI: Free tier is functional — but SFW only, making it irrelevant for NSFW use
Secrets AI's pricing is competitive at the Plus tier ($9.99) given that it includes video generation and strong memory — neither of which is available at that price point from any direct competitor.
For the complete alternative platform comparison with pricing, see the alternatives analysis.
FAQ
Secrets AI has a free tier with 20 messages per day and 200 one-time starting Moments. The free tier is real but limited: no media generation beyond your initial 200 Moments (which don't replenish), very basic memory (2-3 exchange recall only), and the 200 Moments are a one-time welcome credit, not a monthly allocation. For sustained use with any media or meaningful memory features, a paid tier is necessary. Lite at $5.99/month is the minimum for meaningful ongoing use.
Yes. Moments top-up bundles are purchasable at any subscription level without changing your tier. Bundles start at 1,980 Moments ($5.99) and scale up to 118,800 Moments ($249.99), with volume discounts up to 30.4%. If you're on Plus and want to generate more video in a given month without upgrading permanently to Premium, a top-up bundle is the more cost-efficient short-term solution. Premium subscribers receive a 10% bonus and Ultimate subscribers receive a 15% bonus on all top-up purchases.
No. Monthly Moments allocations expire at the end of each billing cycle. If you have 500 Moments remaining when your new billing period starts, those 500 are gone — you begin the new period with your full tier allocation. This policy makes it important to use your Moments consistently across the month rather than concentrating all media generation at the end. Purchased top-up Moments follow the same expiry policy: use them within the billing period or lose them.
All card-based Secrets AI charges appear on bank statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI girlfriend platforms, Secret Labs, or adult content. This billing descriptor is intentional and consistent. If you pay with cryptocurrency, the transaction appears as a standard crypto transfer with no merchant reference. This means bank statement privacy is maintained regardless of which accepted payment method you use.