Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
You're at the point where you need real information, not marketing copy. Secrets AI's pricing structure is more complex than a straightforward subscription — it combines a tiered plan with a virtual currency layer (Moments) that affects what you can actually do each month. This guide breaks down every cost, the math on Moments consumption, annual savings, and which plan genuinely fits different usage patterns.
Secrets AI Pricing Overview
Secrets AI offers five plans. The free tier has a one-time Moments credit; all paid plans provide monthly Moments allocations that reset and do not roll over.
| Plan | Monthly Price | Annual (per month) | Quarterly (per month) | Biannual (per month) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | $4.00 | — | — |
| Plus | $9.99 | $6.67 | — | — |
| Premium | $19.99 | $13.33 | $16.67 | $15.00 |
| Ultimate | $39.99 | $26.67 | $33.33 | $30.00 |
Annual billing reduces the effective monthly cost by approximately 33% for all paid tiers. Quarterly and biannual options exist for Premium and Ultimate as middle-ground commitments. The full review provides context on whether each tier delivers value for the features it unlocks.
What You Get on Each Plan
Free Plan
The free plan is a genuine trial tier — not a usable long-term option.
- 20 messages per day (500-character maximum per message)
- 200 Moments (one-time starting credit, not monthly)
- Basic short-term memory: last 2-3 exchanges only
- No image or video generation
- Full character library access (browse and start conversations)
- No voice calls
The 200 starting Moments will cover approximately 4-8 images or a few test conversations — not enough to evaluate video generation or memory behavior. The 20 daily message cap limits conversation depth significantly. This tier is appropriate for testing the UI and basic chat quality before making a purchase decision.
Lite Plan ($5.99/mo)
The Lite plan is the entry-level paid option for users who want more messaging capacity without a large monthly commitment.
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory: approximately 14-day recall
- 3-second video clips (short format only)
- Image generation enabled
- Voice calls enabled
1,000 Moments is tight for media-heavy usage. Budget roughly: 40 images ($1,000 Moments at 25 each) or 20 short video clips (50 Moments each) or 10 minutes voice calls. Mixing formats will require careful tracking.
Plus Plan ($9.99/mo)
The Plus plan is the recommended starting point for most users who want a genuine AI companion experience.
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory: ~30-day recall with topic and tone awareness
- Full video and image generation access
- Voice calls enabled
- Standard AI model access
Unlimited messaging removes the most frustrating limitation of the free and Lite tiers. The 3,000 monthly Moments supports moderate media use: roughly 60-120 images, or 5 full-length video clips, or 30 minutes of voice — not all three in a heavy month. For context, the free vs premium comparison maps out exactly what each tier's Moments support in practice.
Premium Plan ($19.99/mo)
Premium is the full-featured tier for users who want deep memory, the best AI models, and regular media generation.
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on additional Moments purchased
- Unlimited memory with full emotional timeline
- Time Machine feature (revisit earlier conversation states)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall: ~67%
The jump from Plus to Premium is primarily justified by the memory upgrade. Unlimited memory with an emotional timeline means the AI builds a genuine relationship history — it remembers the arc of your relationship, not just the last 30 days. The 10% bonus on top-up purchases provides ongoing savings for heavy Moments consumers.
8,000 Moments monthly supports: approximately 160-320 images, or 13 full-length videos, or 80 minutes voice. A realistic mixed month (100 images + 5 videos + 30 min voice) consumes roughly 7,500 Moments.
Ultimate Plan ($39.99/mo)
Ultimate targets power users who need the highest Moments allocation and advanced social features.
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on additional purchases
- Everything in Premium, plus:
- Group chats (up to 3 AI characters simultaneously)
- Personas (identity-switching for roleplay)
- 6x memory access multiplier
- +100% context length boost
- Previous conversation recall: +100%
Group chats and personas are genuinely unique features at this tier — no other Secrets AI plan supports multi-character conversations. The 15,000 monthly Moments supports heavy video generation (up to 300 short clips or 25 full-length videos per month) before requiring top-ups.
Understanding the Moments System
Moments are Secrets AI's virtual currency. Every media action and some memory functions consume Moments, separate from your subscription's message allowance.
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video clip (3 seconds) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000-1,500 Moments |
Bulk Moments purchase options:
| Bundle | Price | Bonus |
|---|---|---|
| 1,980 Moments | $5.99 | — |
| (various increments) | up to $249.99 | Up to 30.4% discount |
| 118,800 Moments | $249.99 | Maximum discount |
Premium subscribers get a 10% bonus on all top-up purchases; Ultimate subscribers get 15%. Monthly Moments do not roll over — unused credits from one month are forfeited.
Real math on Premium (8,000 Moments/month):
- Text-only heavy user: 4,000 messages at 2 Moments each — 8,000 Moments, zero Moments left for media
- In practice, most users mix text (cheap) with occasional images and rare video
- A balanced month: 2,000 text messages (4,000 Moments) + 60 images (2,400 Moments) + 1 video (600 Moments) = 7,000 Moments used
Annual vs Monthly — Savings Breakdown
| Plan | Monthly | Annual Total | Effective Monthly | Monthly Savings | Annual Savings |
|---|---|---|---|---|---|
| Lite | $5.99 | ~$48.00 | $4.00 | $1.99/mo | ~$23.88/yr |
| Plus | $9.99 | ~$80.04 | $6.67 | $3.32/mo | ~$39.84/yr |
| Premium | $19.99 | ~$159.99 | $13.33 | $6.66/mo | ~$79.92/yr |
| Ultimate | $39.99 | ~$319.99 | $26.67 | $13.32/mo | ~$159.84/yr |
The 33% annual discount is consistent across all tiers. Quarterly billing (available for Premium and Ultimate only) saves approximately 16-17% versus monthly.
Recommendation: Start on monthly billing for the first 2-3 months to evaluate whether the platform matches your usage patterns. Switch to annual billing after you've confirmed the tier is right for you.
Which Plan Is Right for You?
The decision comes down to two factors: how many messages you send and how much media you generate.
- Just exploring or evaluating: Start with Free (200 Moments) to test the interface
- Casual text-focused user: Lite ($5.99/mo) — 100 messages/day is sufficient for daily interaction without heavy media
- Regular user wanting unlimited messaging + media: Plus ($9.99/mo) — the best value entry point for most people
- Deep relationship simulation + regular media: Premium ($19.99/mo) — the memory upgrade alone justifies the cost for committed users
- Heavy video/image creator, wants group chats: Ultimate ($39.99/mo) — only makes sense if you're generating media daily
For a structured comparison of what each tier unlocks versus what you pay, the features page maps every capability tier-by-tier.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express
Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI services, adult content, or the platform name. This discreet billing descriptor is a significant practical benefit for users concerned about financial privacy.
Cancellation takes effect at the end of the current billing period — you retain access through the period you paid for. No refund policy details are publicly available on the platform, so treat purchases as non-refundable unless customer support confirms otherwise at the time of purchase.
Cryptocurrency payments provide the highest level of financial anonymity and are worth considering if billing discretion is a priority for you.
FAQ
Yes, there is a free tier. It includes 20 messages per day, a 500-character message limit, and a one-time credit of 200 Moments. The free plan gives access to the full character library and basic chat. It does not include image generation, video generation, voice calls, or meaningful memory retention. The 200 Moments is a one-time credit — it does not reset monthly, so it runs out quickly with any media usage.
Yes. Moments top-up bundles are available for purchase independently of your subscription tier, starting at $5.99 for 1,980 Moments up to $249.99 for 118,800 Moments. The larger bundles carry discounts of up to 30.4%. Premium subscribers receive a 10% bonus on all top-up purchases; Ultimate subscribers receive a 15% bonus. This means upgrading to a higher tier also reduces the long-term cost of supplemental Moments purchases.
No. Monthly Moments allocations from your subscription reset at the beginning of each billing cycle. Unused credits from the previous month are forfeited. Moments purchased as top-ups (not part of the subscription allocation) may have different rollover behavior — confirm directly with the platform if this is a material concern for your usage.
Charges from Secrets AI appear on bank and credit card statements as "Sun Clinical Laboratories" — there is no mention of AI services, the platform name, or adult content in the billing descriptor. This applies to subscription charges and Moments top-up purchases. For maximum billing privacy, cryptocurrency payments are also accepted with a $20 minimum transaction.