Secrets AI Pricing Plans: Free, Lite, Plus, Premium and Ultimate Compared
Secrets AI uses a tiered subscription model combined with a virtual currency system called Moments. Understanding both is essential before committing — the sticker price on each plan only tells part of the story. Here is the complete pricing picture for 2026.
Full Pricing Table
| 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 only available on Premium and Ultimate. Annual billing saves approximately 33% on all paid tiers.
What Each Plan Delivers
Free Plan
The free tier is a functional sample, not a complete experience. You receive:
- 20 messages per day maximum
- 500-character message length cap
- 200 Moments as a one-time starting credit (not replenished monthly)
- Basic short-term memory (last 2-3 exchanges only)
- No image generation, no video generation
- Full character library access for browsing and limited chat
The 200 starting Moments translate to roughly 4-8 images or a handful of voice minutes — enough to test the interface, not enough for regular use. This tier works well as a 1-2 session evaluation period.
Lite Plan ($5.99/month)
- 100 messages per day
- 1,000 Moments per month (monthly refresh)
- Basic long-term memory (~14 days)
- Access to 3-second video clips (minimum video tier)
- Image generation available
Lite is the entry point for any meaningful media use. The 1,000 monthly Moments supports approximately 20-40 images or a handful of short video clips. Not generous, but workable for text-first users who want occasional visual content.
Plus Plan ($9.99/month)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone aware)
- Full video and image generation access
- All AI models accessible
Plus is the recommended starting point for most users. Unlimited messaging removes the daily cap friction, and 3,000 Moments per month supports regular image generation (60-120 images) with capacity for several video clips monthly. The 30-day memory window is meaningful for building a consistent companion relationship.
Premium Plan ($19.99/month)
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on Moments top-ups
- Unlimited memory with emotional timeline
- Time Machine feature (revisit past conversation states)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall: ~67% improvement
Premium is where the relationship simulation reaches its ceiling. Unlimited memory with an emotional timeline means the AI genuinely tracks relationship history, emotional milestones, and personal details across months of interaction. At $13.33/month on an annual plan, it represents strong value for heavy users.
Ultimate Plan ($39.99/month)
- Everything in Premium, plus:
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats: up to 3 AI characters simultaneously
- Personas: identity-switching for roleplay
- 6x memory access multiplier
- +100% context length boost
Ultimate makes sense for users who generate significant video content or want the group chat and persona features. At 15,000 Moments per month, you can realistically generate 25+ long video clips, 300+ images, or a mix of both without running out mid-month.
Understanding the Moments Currency
Every action on Secrets AI beyond basic text conversation costs Moments. Here is the cost breakdown:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Full-length video | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New character creation | 1,000-1,500 Moments |
Practical math for Premium users (8,000 Moments/month):
- Text-only: essentially unlimited
- Images only: 160-320 images
- Videos only (long): ~13 full clips
- Voice only: ~80 minutes
- Mixed realistic use (100 images + 5 long videos + 30 min voice): ~7,500 Moments used
Bulk Moments top-ups are available for purchase independently of subscription tier:
- 1,980 Moments: $5.99
- Up to 118,800 Moments: $249.99
- Discount increases with bundle size (up to 30.4% off)
Monthly Moments allocations reset at the billing cycle. Unused Moments do not roll over indefinitely.
Annual vs Monthly Savings
| Plan | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | ~$24 |
| Plus | $9.99 | $6.67 | $3.32 | ~$40 |
| Premium | $19.99 | $13.33 | $6.66 | ~$80 |
| Ultimate | $39.99 | $26.67 | $13.32 | ~$160 |
The 33% annual discount is substantial. If you've used the platform for 2-3 months and intend to continue, annual billing pays off quickly.
Which Plan Fits Your Use Pattern?
Just exploring the platform: Start with Free. Use the 200 Moments to test images and conversation quality. Upgrade only if you want to continue.
Text-focused with occasional images: Plus at $9.99/month. Unlimited messages, enough Moments for regular image generation, 30-day memory.
Regular image and some video: Premium at $19.99/month. 8,000 Moments handles both comfortably, and the unlimited memory makes the companion relationship feel genuinely persistent.
Heavy video creator or group scenarios: Ultimate at $39.99/month. 15,000 Moments supports serious media output, and group chats add unique interaction value.
See the free vs premium comparison for a detailed tier-by-tier capability breakdown.
Payment Methods and Billing Details
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express
Billing descriptor on bank statements: "Sun Clinical Laboratories" — no reference to AI, adult content, or the platform name appears on statements. This is a deliberate privacy measure.
Subscriptions can be cancelled at any time. Access continues through the end of the current billing period. No public refund policy is documented — contact support for refund requests.
View Current Plans on Secrets AI →
Frequently Asked Questions
Secrets AI has a free tier that allows 20 messages per day and includes 200 one-time Moments. You can browse the full character library, have basic conversations, and get a sense of chat quality at no cost. However, the free tier does not include image generation, video generation, or meaningful memory retention. Think of it as a trial sample rather than a usable long-term experience.
Yes. Moments can be purchased as standalone bundles regardless of your subscription tier. Bundles start at 1,980 Moments for $5.99 and go up to 118,800 Moments for $249.99, with larger bundles offering increasing discounts up to 30.4%. This is useful if you're on a lower tier and want to cover a specific media generation spike without upgrading permanently.
Monthly Moments allocations from your subscription do not roll over indefinitely at the end of a billing cycle. Purchased Moments top-up bundles behave differently — check your account terms for specifics on top-up expiry. The practical advice is to pace your Moments usage across the month rather than spending heavily at the start and running out early.
Your Secrets AI subscription appears on bank statements as "Sun Clinical Laboratories" — there is no mention of artificial intelligence, companion services, or adult content. For additional financial privacy, cryptocurrency payments are accepted with a minimum transaction of $20, leaving no card-linked record with the platform.