Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI advertises a free tier prominently, but the true cost of the platform depends heavily on how you use it. The subscription price is only part of the picture — the Moments virtual currency system adds a second billing layer that catches many users off guard. This guide breaks down every number: subscription prices, Moments allocations, per-action costs, and the real math behind each tier.
Secrets AI Pricing Overview
| Tier | Monthly | Quarterly (per mo) | Biannual (per mo) | Annual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $16.67 | $15.00 | $13.33 |
| Ultimate | $39.99 | $33.33 | $30.00 | $26.67 |
Premium and Ultimate offer quarterly and biannual billing options as well — useful middle grounds before committing to an annual plan. Lite and Plus are available monthly or annually only.
What You Get on Each Plan
Free Plan
The free tier is a trial experience, not a sustainable daily driver:
- 20 messages per day maximum
- 500-character limit per message
- 200 Moments (one-time starting credit, not monthly)
- Basic short-term memory covering only the last 2-3 exchanges
- Full character library accessible for browsing and basic chat
- No image generation, no video generation, no voice calls
The 200 starting Moments will cover approximately 4-8 images or a handful of text exchanges. Once depleted, Moments require a paid plan or separate purchase. The 20 message/day cap hits quickly during active conversations.
Lite Plan ($5.99/mo)
The entry-level paid tier offers meaningful improvements:
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- Access to 3-second video clips (shortest tier with video)
- No group chats, no personas
At $5.99/month, Lite is competitive with the cheapest plans from CrushOn AI and other budget alternatives. The 1,000 monthly Moments support either 20-40 images or 2-20 videos (3-second clips), not both. Budget management is necessary.
Plus Plan ($9.99/mo)
Plus is the recommended tier for most users:
- Unlimited messaging
- 3,000 Moments per month
- Memory recall of ~30 days with topic and tone awareness
- Full video and image generation access
- Access to improved AI models
The jump from Lite (100 messages/day) to unlimited messaging on Plus is significant for users who have active conversations. 3,000 Moments supports approximately 60-120 images or 5-60 videos per month — reasonable for mixed media use without feeling constantly constrained.
Premium Plan ($19.99/mo)
Premium unlocks the platform's full conversation depth:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on additional Moments 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 improved by ~67%
The memory upgrade from Plus to Premium is the most impactful feature change on the platform. Premium is the minimum tier for users who want a genuinely persistent AI relationship — the kind where the companion remembers your preferences, emotional dynamics, and conversation history over months.
Ultimate Plan ($39.99/mo)
Ultimate adds the platform's exclusive high-end features:
- Everything in Premium
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats with up to 3 AI characters simultaneously
- Personas feature (identity-switching for roleplay)
- 6x memory access multiplier
- +100% context length boost
At $39.99/month, Ultimate is a premium price point. It makes financial sense only for heavy video/image creators or users specifically wanting group chats and personas.
Understanding the Moments System
Moments are Secrets AI's virtual currency — consumed by media generation and certain other actions. Here is the cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 |
| Image generation | 25-50 |
| Short video (3 seconds) | ~50 |
| Full video clip | ~600 |
| Voice call | 100 per minute |
| Manual memory save | 10 |
| New character creation | 1,000-1,500 |
Monthly Moments allocations reset — unused credits do not roll over to the following month. This is an important planning consideration: if you're on Premium (8,000 Moments) and only use 2,000 in a month, the remaining 6,000 are lost.
Budget reality check on Premium (8,000 Moments/month):
- Text-only use: ~4,000+ messages before depletion
- Image-only use: ~160-320 images
- Video-only use: ~13 full-length clips
- Voice-only use: ~80 minutes
- Mixed use (100 images + 5 videos + 30 minutes voice): ~7,500 Moments consumed
Bulk Moments purchases (separate from subscription):
- 1,980 Moments: $5.99
- Midrange bundles up to 118,800 Moments: $249.99
- Discounts up to 30.4% on larger purchases
See the detailed review for overall platform assessment, or the free vs premium comparison for the tier upgrade decision.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | ~$23.88 |
| 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 |
All paid tiers save approximately 33% with annual billing. Premium annual at $13.33/month is meaningfully cheaper than Plus monthly at $9.99/month — a consideration for users confident in long-term use.
The recommendation: start monthly to test the platform, then switch to annual billing after 2-3 months if satisfied. Quarterly billing (available on Premium and Ultimate) is a good intermediate option.
Which Plan Is Right for You?
The decision generally comes down to how you use the platform:
- Just exploring, no commitment: Free (200 Moments to evaluate the interface and chat quality)
- Casual text conversations only: Lite ($5.99) or Plus ($9.99) depending on message volume
- Regular chat plus light media (images, occasional video): Plus ($9.99)
- Full experience with persistent memory and regular media: Premium ($19.99)
- Heavy video creators or group chat users: Ultimate ($39.99)
The biggest trap is underestimating Moments consumption. Users who gravitate toward video generation will find Lite and Plus run dry faster than expected. If video is your primary interest, Premium or Ultimate is the honest cost baseline. For more on this decision, see the free vs premium comparison.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Payment is processed through third-party providers — Secrets AI does not store card data directly.
Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI, companion, or adult content. Cryptocurrency provides maximum financial privacy for users who want no identifiable billing record. For questions about what the platform collects, see the all features page for the privacy feature breakdown.
Cancellation is available at any time; access continues through the end of the paid billing period. No refund policy details are publicly available.
FAQ
Yes, but with significant limitations. The free tier provides 20 messages per day, one-time 200 Moments, and basic 2-3 exchange memory. No image or video generation is available. The free experience is enough to assess conversation quality and the interface; it is not sufficient for sustained use or media generation.
Yes. Additional Moments can be purchased as standalone bundles starting at $5.99 for 1,980 Moments. This is useful for users on lower tiers who want occasional media generation without committing to a higher monthly plan. Larger bundles offer up to 30.4% discount over the base rate.
No. Monthly Moments allocations (included with subscriptions) reset at the start of each billing cycle. Unused credits are lost. Separately purchased Moments bundles may have different expiry terms — check the platform's current terms when purchasing.
All charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to Secrets AI, artificial intelligence, AI girlfriend, or any adult content category in the billing descriptor.