Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI pricing looks straightforward at a glance: five tiers from free to $39.99 per month. The complexity comes from understanding the Moments system — the virtual currency that determines how much media you can actually generate before your monthly budget runs out. This guide maps both dimensions: the subscription cost and the real Moments cost per action, so you can calculate exactly what your typical month will cost.
The Full Pricing Table
All five tiers with every billing option available:
Free: $0/month
Monthly Moments: 200 (one-time starting grant only, not monthly)
Daily message limit: 20 messages, 500-character maximum
Lite: $5.99/month | $4.00/month billed annually
Monthly Moments: 1,000
Daily message limit: 100 messages
Plus: $9.99/month | $6.67/month billed annually
Monthly Moments: 3,000
Daily message limit: Unlimited
Premium: $19.99/month | $16.67/month quarterly | $15.00/month biannual | $13.33/month annually
Monthly Moments: 8,000 (+ 10% bonus on any top-up purchases)
Daily message limit: Unlimited
Exclusive features: Time Machine, premium AI models, 4x memory access, +60% context length, unlimited memory with emotional timeline
Ultimate: $39.99/month | $33.33/month quarterly | $30.00/month biannual | $26.67/month annually
Monthly Moments: 15,000 (+ 15% bonus on any top-up purchases)
Daily message limit: Unlimited
Exclusive features: Everything in Premium + group chats (up to 3 characters), Personas, 6x memory access, +100% context length
Premium and Ultimate offer quarterly and biannual billing as middle-ground commitment options. Lite and Plus are monthly or annual only.
The Moments System — What You Need to Know
Moments are the second dimension of Secrets AI costs. Monthly allocations cover the actual content generation:
Cost per action:
- Text message: 1-2 Moments (functionally free — the daily message limit is the real cap, not Moments)
- Image generation: 25-50 Moments per image
- Short video clip (3 seconds): approximately 50 Moments
- Long/full video clip: approximately 600 Moments
- Voice call: 100 Moments per minute
- Manual memory save: 10 Moments per entry
- New custom character: 1,000-1,500 Moments (first character is always free)
Monthly Moments reset without rollover. Unused allocation from your plan is forfeited at the end of each billing period.
Budget illustration — Plus plan (3,000 Moments/month):
If you spend all Moments on long video: approximately 5 clips
If you spend all Moments on images: 60-120 images
If you spend all Moments on voice: approximately 30 minutes
Realistic mixed use: 40 images + 2 long videos + 15 min voice ≈ 2,600-3,200 Moments — right at the budget edge
Budget illustration — Premium plan (8,000 Moments/month):
Realistic mixed use (100 images + 5 long videos + 30 min voice): approximately 7,500 Moments — comfortable margin
Buying additional Moments: Separate from subscription. Available in bundles:
Minimum: 1,980 Moments for $5.99
Maximum: 118,800 Moments for $249.99
Discounts reach 30.4% on larger bundles. Premium and Ultimate subscribers receive bonus percentages (10% and 15%) on all top-up purchases.
For the full feature list that Moments unlock, see the all features page.
Annual vs Monthly — The Savings Math
Annual billing saves approximately 33% on all tiers. For heavy users, the annual saving is material:
Premium: $19.99/month vs $13.33/month annually — saves approximately $80/year
Ultimate: $39.99/month vs $26.67/month annually — saves approximately $160/year
The 33% saving is real. The question is whether you want to commit 12 months before you know if the platform fits your use pattern. The recommended approach: run monthly for 2-3 months to verify you are on the right tier, then switch to annual for the long-term saving.
Quarterly billing (Premium: $49.99/quarter, Ultimate: $99.99/quarter) saves approximately 17% versus monthly and provides a middle-ground commitment option.
Which Plan Is Right for You?
The decision is almost entirely about media generation. Text messaging is practically free on any plan (1-2 Moments each). The Moments cost that drives tier selection is video and image:
Choose Free if you want to evaluate the conversation quality and interface before spending anything. The 200 starting Moments let you generate a few images to assess visual quality. Text conversations continue indefinitely on the daily cap.
Choose Lite ($5.99) if you want more than 20 messages per day and occasional images without paying for unused features. Video capability is limited to 3-second clips — not ideal for regular video use.
Choose Plus ($9.99) if you want unlimited messaging, regular image generation, occasional longer videos, and the 30-day memory that makes relationship simulation actually work. This is the recommended entry tier for most users.
Choose Premium ($19.99) if you want the full emotional memory system, generate images and videos regularly, or want the Time Machine feature. At 8,000 Moments, you can do a real mix of media each month without hitting the budget ceiling constantly.
Choose Ultimate ($39.99) if you are a heavy media creator, want group chats or Personas, or need the 15,000 monthly Moments to avoid constantly supplementing with top-up purchases.
For the full decision framework including memory system comparisons, see the free vs premium comparison.
Payment Methods and Billing Details
What Secrets AI accepts:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 per transaction)
American Express is not accepted. Card data is handled by third-party payment processors — Secrets AI does not store your full card number directly.
Every charge appears on statements as "Sun Clinical Laboratories" — no reference to Secrets AI, companion AI platforms, or adult content categories. Cryptocurrency payments provide the highest financial privacy by eliminating the bank record entirely.
Cancellation is available any time; access continues through the end of the current billing period. Public documentation on refund policy is not available on the platform.
For billing privacy details in the context of the full safety picture, see the detailed review.
Is Secrets AI free to use?
Yes — a functional free tier exists. You get 200 starting Moments (one-time), 20 messages per day, and access to the full character library for browsing and chatting. After the 200 Moments are spent, the free tier is text-only with the daily message cap. The free experience is honest: it shows you the interface and conversation quality, but it cannot show you what the platform actually delivers on paid tiers (memory, media generation, relationship continuity).
Can I buy more Moments without upgrading?
Yes. Moments can be purchased as standalone bundles completely separately from subscription tier changes. Bundles range from 1,980 Moments ($5.99) to 118,800 Moments ($249.99). This is useful when you want to do more media generation in a specific month without permanently upgrading your plan. Premium and Ultimate subscribers get bonus percentages on top-up purchases (10% and 15% respectively).
Do unused Moments roll over?
No. Monthly Moments allocations from your subscription reset at the end of each billing period. Unused monthly plan Moments are forfeited — they do not carry to the next month. Separately purchased Moments (top-ups) may have different expiration terms; check account settings for the specifics on any bundles you purchase.
How does the billing show on my statement?
All Secrets AI charges — subscription fees and Moments top-ups alike — appear on bank and credit card statements as "Sun Clinical Laboratories." No reference to Secrets AI, AI girlfriend, or adult content appears. This applies universally to all payment methods and charge types.