Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The single most common complaint about AI companion platforms is discovering that the advertised price is just the entry fee — and that actually using the platform costs significantly more once you factor in the in-app currency. Secrets AI uses a system called Moments alongside its subscription tiers, which means your real monthly cost depends on how you use the platform. This page gives you the complete picture: subscription costs, Moments costs per action, what each tier actually unlocks, and an honest answer to which plan is worth paying for.
Before diving in: if you want to see the features behind these prices, the full platform review covers a 30-day test across multiple tiers.
Secrets AI Pricing Overview
| Plan | Monthly | Quarterly | Biannual | Annual (per month) |
|---|---|---|---|---|
| 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 as intermediate options. All paid tiers support annual billing with a consistent 33% savings versus monthly rates. There is no free trial period beyond the permanently free tier.
What You Get on Each Plan
Free Plan
The free tier is a genuine no-credit-card starting point, not a misleading teaser. What it includes:
- 20 messages per day maximum
- 500-character limit per message
- 200 Moments as a one-time starting credit (does not refill monthly)
- Basic short-term memory: last 2–3 exchanges only
- Full character library browsing and basic chat
- No image generation, no video generation
Those 200 starting Moments translate to roughly 4–8 images if spent entirely on image generation, or approximately 4 short video clips at 50 Moments each. In practice, you will run through them quickly. The free tier is adequate for evaluating conversation quality and the interface — nothing more.
Lite Plan ($5.99/mo)
The Lite plan is the most affordable upgrade and primarily solves the message limit problem:
- 100 messages per day
- 1,000 Moments per month (resets monthly)
- Basic long-term memory (~14 days)
- Access to 3-second video clips
- Standard AI models
At 1,000 Moments monthly, you can generate approximately 20–40 images or 2–20 video clips (depending on length) before needing to top up. Lite is a reasonable entry point for text-focused users who want more conversation room without committing to heavier spending.
Plus Plan ($9.99/mo)
Plus is the sweet spot for most users — the plan where the platform stops feeling restricted:
- Unlimited messages
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone awareness)
- Full image and video generation access
- Better AI model access
The unlimited messaging removes the most frustrating constraint. Three thousand Moments support approximately 60–120 image generations or 5–60 video clips monthly, depending on clip length. For users who primarily chat with occasional media generation, Plus is the right stopping point.
Premium Plan ($19.99/mo)
Premium is where the platform's memory system fully activates:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on additional top-ups
- Unlimited memory with full emotional timeline
- Time Machine feature (revisit and branch past conversations)
- Premium AI models
- 4× memory access multiplier
- +60% context length boost
- Previous conversation recall: approximately 67%
With 8,000 Moments monthly, the math works out to approximately 160–320 image generations, or approximately 13 full-length video clips, or 80 minutes of voice calls. A realistic mixed-use month — 100 images, 5 videos, 30 minutes of voice — costs around 7,500 Moments, leaving a small buffer.
Ultimate Plan ($39.99/mo)
Ultimate is the power-user tier, justified only for heavy video and image creators:
- Everything in Premium
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats: up to 3 AI characters simultaneously
- Personas (identity-switching for roleplay)
- 6× memory access multiplier
- +100% context length boost
- Previous conversation recall: +100%
Group chats and personas are exclusive to this tier. The Moments allocation supports approximately 25–300 video clips monthly, depending on clip length, making it genuinely useful for users who treat video generation as a core part of their experience.
Understanding the Moments System
Moments are Secrets AI's in-platform currency. Every action beyond basic text messaging costs Moments. Here is the full cost table:
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video clip (3 sec) | ~50 Moments |
| Full-length video clip | ~600 Moments |
| Voice call | 100 Moments/minute |
| Manual memory save | 10 Moments |
| New character creation | 1,000–1,500 Moments |
Monthly reset policy: Monthly Moments allocations reset at the start of each billing cycle. Unused credits from your monthly allocation do not carry forward indefinitely — this is a meaningful distinction if you are a light user in some months.
Bulk Moments purchases: Additional Moments can be bought separately without upgrading your subscription tier, ranging from 1,980 Moments for $5.99 up to 118,800 Moments for $249.99, with discounts up to 30.4% on larger packages.
Key math for Premium users: 8,000 Moments supports roughly 13 full-length videos, or 160–320 images, or 80 minutes of voice per month. Mixing features compresses this further — a session with 5 videos (3,000 Moments), 50 images (1,500–2,500 Moments), and 20 minutes voice (2,000 Moments) uses approximately 6,500–7,500 Moments.
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | 33% |
| Plus | $9.99 | $6.67 | 33% |
| Premium | $19.99 | $13.33 | 33% |
| Ultimate | $39.99 | $26.67 | 33% |
The 33% saving is consistent across all tiers on annual billing. Quarterly and biannual options exist for Premium and Ultimate as intermediate commitments. The practical recommendation: start monthly, test for two to three months, then switch to annual if the platform fits your routine.
Which Plan Is Right for You?
- Just exploring: Start with free — the 200 Moments and 20 daily messages are enough to evaluate chat quality and the character selection
- Text-focused users: Lite ($5.99) removes the daily message cap and adds basic persistent memory
- Most casual users: Plus ($9.99) — unlimited messaging, 3,000 Moments, 30-day memory, full media access
- Regular media creators: Premium ($19.99) — 8,000 Moments, unlimited memory with emotional timeline, Time Machine
- Heavy video users: Ultimate ($39.99) — 15,000 Moments, group chats, personas
The free vs premium comparison goes deeper on the value analysis, including specific Moments math for different usage patterns.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. All charges appear on statements as "Sun Clinical Laboratories" — no reference to AI companion services, adult content, or the platform name. This discreet billing is a deliberate design choice and functions consistently.
Subscriptions can be cancelled at any time; access continues through the end of the paid billing period. Detailed refund policy terms are not publicly published on the platform. For additional Moments purchases and payment security details, the features overview covers privacy-related payment options including cryptocurrency.
FAQ
Yes — there is a permanent free tier that requires no credit card. Free accounts receive 20 messages per day, 200 starting Moments, and full access to the character library for basic chatting. The 200 Moments are a one-time grant that does not refill monthly. Image and video generation are not available on the free plan. The free tier is functional for evaluating the platform's conversation quality, but most users will find the daily message limit and lack of media access restrictive for regular use.
Yes. Moments can be purchased in bulk as standalone add-ons without changing your subscription tier. Packages range from 1,980 Moments at $5.99 to 118,800 Moments at $249.99, with volume discounts up to 30.4% on larger purchases. This is useful if you occasionally want to do a video-heavy session without committing to a higher monthly subscription.
Monthly Moments allocations that come with your subscription plan do not roll over indefinitely at the end of a billing cycle. If you buy bulk Moments as a separate purchase, the rollover policy on those credits should be confirmed with the platform directly, as terms may differ from monthly subscription allocations.
Every Secrets AI charge — whether a subscription or a Moments top-up — appears on your bank or credit card statement as "Sun Clinical Laboratories." There is no reference to AI companion services, girlfriend platforms, or adult content in the billing descriptor. Cryptocurrency payments (minimum $20) are also accepted for users who prefer not to use a bank card at all.