Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared

Secrets AI runs on two parallel cost systems: a subscription tier that determines your monthly Moments allocation and feature access, and a virtual currency (Moments) that governs every action beyond basic text chat. Understanding both is essential before choosing a plan — the sticker price of a subscription understates the actual cost if you plan to use video or voice features regularly.

This page covers every tier, what each unlocks, how the Moments math works in practice, and which plan makes sense for different usage patterns.

Secrets AI Pricing at a Glance

Quarterly and biannual billing options exist only for Premium and Ultimate. Lite and Plus are available on monthly or annual billing only.

What Each Plan Actually Includes

Free Plan

The free tier is a genuine trial, not a teaser. You get:

• 20 messages per day (500-character maximum per message)
• 200 Moments as a one-time starting credit — these do not refresh monthly
• Basic short-term memory covering the last 2–3 exchanges only
• Access to the full character library for browsing and basic chat
• No image generation, no video generation, no voice calls

The 200 starting Moments translate to roughly four images (at 50 Moments each) or a brief two-minute voice session. Enough to form an opinion on the interface and conversation quality; not enough to evaluate the media features that distinguish the platform.

Lite Plan — $5.99/month

Lite is where the platform becomes functional for ongoing use:

• 100 messages per day
• 1,000 Moments per month (replenished monthly, resets whether used or not)
• Basic long-term memory covering approximately 14 days of conversation history
• Access to video generation (3-second short clips only)
• Image generation enabled

The 14-day memory window is a significant improvement over free, but conversation continuity across weeks or months is still limited. Lite is appropriate for casual, text-focused use with light media experimentation.

Plus Plan — $9.99/month

Plus is the platform's best-value tier for most users:

• Unlimited messaging (no daily cap)
• 3,000 Moments per month
• Improved memory: approximately 30 days with topic and tone awareness — the AI tracks not just what you discussed, but the emotional register of those conversations
• Full access to image and video generation
• All five AI models available

Removing the message cap matters more than it sounds. On free and Lite, hitting the daily limit mid-conversation is jarring. Plus eliminates that friction entirely. The 3,000 monthly Moments support moderate media use — roughly 60–120 images or around five longer video clips per month, with Moments left over for text and voice.

Annual billing drops Plus to $6.67/month — a 33% reduction worth taking if you plan to stay on the platform beyond two months.

Premium Plan — $19.99/month

Premium is where the companion relationship experience becomes substantively different:

• Unlimited messaging
• 8,000 Moments per month, plus a 10% bonus on any top-up purchases
• Unlimited memory with full emotional timeline — the AI tracks your relationship history, significant moments, and evolving dynamics without any time cutoff
• Time Machine feature: navigate back to earlier conversation states within your history
• 4× memory access speed
• +60% context length boost (the AI processes more of your conversation history simultaneously)
• Premium AI models

The emotional timeline is the most meaningful upgrade between Plus and Premium. Relationship simulation requires continuity — a companion who remembers your history builds genuine rapport across sessions. Free and Plus memory systems fundamentally cannot replicate this.

Monthly cost for Premium at the quarterly rate ($16.67/month) or biannual rate ($15.00/month) hits a sweet spot for users who want full features without the annual commitment.

Ultimate Plan — $39.99/month

Ultimate is for high-volume users and those wanting advanced social dynamics:

• Everything in Premium
• 15,000 Moments per month, plus a 15% bonus on top-up purchases
• Group chats: simultaneous conversation with up to three AI characters
• Personas: identity-switching for advanced roleplay scenarios
• 6× memory access speed
• +100% context length boost (double the baseline)

At $39.99/month, Ultimate is a meaningful financial commitment. It makes sense for users who create video content regularly (video is Moments-intensive), run group scenarios, or simply want maximum Moments headroom without buying frequent top-ups.

Annual Ultimate billing comes to $26.67/month — $160/year — which only makes sense for dedicated, daily users.

The Moments System Explained

Moments are Secrets AI's in-app currency. Every non-text action costs Moments. Your monthly subscription provides a Moments allocation; you can also purchase additional Moments separately.

Cost Per Action

What Your Monthly Allocation Actually Buys

Concrete examples by plan, assuming mixed usage:

Plus (3,000 Moments/month):

• Text is essentially free at 1–2 per message
• Can generate approximately 60–120 images
• Or approximately 5 full video clips (at 600 Moments each)
• Or 30 minutes of voice calls
• Or a mix: ~50 images + 1–2 videos + 10 minutes voice ≈ 3,100 Moments (close to budget)

Premium (8,000 Moments/month):

• Approximately 160–320 images
• Or approximately 13 full video clips
• Or approximately 80 minutes of voice
• Or a realistic mix: 100 images + 5 videos + 20 minutes voice ≈ 7,000 Moments

Ultimate (15,000 Moments/month):

• Approximately 300–600 images
• Or approximately 25 full video clips
• Or approximately 150 minutes of voice
• Sufficient for heavy creators without frequent top-ups

Bulk Moments Purchase Options

If your monthly allocation runs out, Moments can be purchased separately:

• 1,980 Moments: $5.99
• Up to 118,800 Moments: $249.99
• Discounts up to 30.4% on larger bundles

Monthly allocations reset every billing cycle. Unused Moments do not carry over to the following month — a meaningful consideration for users who anticipate variable usage patterns.

Annual vs Monthly — The Savings Math

All paid tiers offer a consistent 33% discount on annual billing. The practical recommendation: start on monthly billing for the first one to two months. If the platform holds your attention and you're using it regularly, switching to annual billing eliminates a significant recurring cost.

Which Plan Fits Your Usage Pattern?

Just exploring or occasional casual chat: Start on free. The 200 starting Moments and 20 daily messages are sufficient to evaluate whether the conversation quality appeals to you. Upgrade only after confirming you'll use it regularly.

Text-focused user, light media interest: Plus ($9.99/month) covers this well. Unlimited messaging removes daily friction; 3,000 Moments handles moderate image generation and occasional voice sessions without regular top-up purchases.

Regular image generator + occasional video user: Premium ($19.99/month) is the appropriate tier. The 8,000 Moments allocation supports meaningful media creation, and the emotional memory system makes companion relationships substantively more engaging than lower tiers can provide.

Heavy video creator or group chat user: Ultimate ($39.99/month) eliminates Moments anxiety for high-volume content creation. The 15,000 monthly allocation plus 15% top-up bonus keeps costs predictable. Group chat access (up to three simultaneous characters) is exclusive to this tier.

Payment Methods and Billing Details

Accepted payment methods:

• Visa
• Mastercard
• Virtual debit cards
• Cryptocurrency (minimum $20 per transaction)

Not accepted: American Express.

Billing descriptor on bank statements: "Sun Clinical Laboratories" — no reference to AI, adult content, or the platform name. This discretion is consistent across all payment methods.

Subscription cancellation takes effect at the end of the current billing period. Access continues through the period you paid for. Publicly available refund policy details are limited — assume no refunds are available except where legally required in your jurisdiction.

For a comparison of what paid tiers add over the free experience, see the free vs premium breakdown. For a full assessment of the platform's value across all features, read the complete review.

Frequently Asked Questions