⚠️ Secrets AI is an adult platform. Users must be 18 or older. This content is intended for adults only.
$9.99 per month unlocks unlimited messaging. That single fact reframes how to think about Secrets AI's pricing structure — once you understand that the free and Lite tiers impose hard message caps, the logic of upgrading to Plus becomes clear. But the subscription cost is only half the equation. Moments — the platform's virtual currency for media generation — determine how much content you actually get. This guide breaks down both systems in full.
Secrets AI Pricing Overview
Five subscription tiers cover the range from free access to a full-featured power-user account. Monthly and annual rates differ by 33% across all paid tiers — annual billing is consistently the better deal if you plan to stay more than two or three months.
| Tier | 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) | $13.33 |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $26.67 |
Quarterly and biannual billing options exist only at Premium and Ultimate. Lite and Plus are available on monthly or annual terms.
For a detailed review of what these plans actually deliver in practice, see the comprehensive platform review.
Calculate What You Get on Each Plan
Free Plan
The free tier is best understood as a product demo. You receive:
- 20 messages per day with a 500-character limit per message
- 200 Moments as a one-time starting credit (no monthly replenishment)
- Access to the full character library to browse and chat
- Basic short-term memory covering only the last 2-3 exchanges
- No image generation, no video generation, no voice calls
With 200 Moments, you can generate approximately 4-8 images or a few minutes of voice — once. After those 200 Moments are spent, no media generation is possible at the free tier. The 20 messages/day cap also limits meaningful conversation depth. Free is adequate to evaluate the interface and baseline chat quality; it is not adequate for the companion experience the platform is designed to deliver.
Lite Plan — $5.99/month
Lite moves the experience beyond demo territory:
- 100 messages per day (up from 20)
- 1,000 Moments per month (monthly allocation, not one-time)
- Basic long-term memory covering approximately 14 days
- Access to short 3-second video clips
- Standard AI model access
At 1,000 Moments, Lite users can generate roughly 20-40 images or 2-20 short videos per month, depending on length. Moments run tight for media-heavy users, but Lite is a reasonable entry point for text-focused users who want more daily conversation capacity than free provides.
Plus Plan — $9.99/month
Plus is the inflection point where the platform becomes a coherent daily-use product:
- Unlimited messages per day — no daily cap
- 3,000 Moments per month
- Memory recall extending approximately 30 days with topic and tone awareness
- Full video and image generation access (not limited to 3-second clips)
- Improved AI models
The unlimited messaging unlocked at Plus eliminates the primary friction of lower tiers. 3,000 Moments supports roughly 60-120 images per month, or 5-60 videos depending on clip length, or approximately 30 minutes of voice — a workable monthly budget for a user who mixes content types. Comparing free vs premium capabilities in detail clarifies how significant this step is.
Premium Plan — $19.99/month
Premium is where the full relationship simulation capability activates:
- Unlimited messaging
- 8,000 Moments per month + 10% top-up bonus
- Unlimited memory with full emotional timeline
- Time Machine for recall of specific past conversation moments
- 4x memory access multiplier
- +60% context length boost
- Premium AI models
- Advanced image generation model
The memory upgrade from Plus to Premium is the most consequential feature change on the platform. Unlimited emotional timeline memory means the AI retains relationship history, emotional dynamics, and past conversation content across all time — not just 30 days. Time Machine adds the ability to revisit specific past moments, deepening relationship simulation significantly. Premium is the appropriate tier for users who want Secrets AI to function as a genuine long-term companion rather than a conversation service.
Ultimate Plan — $39.99/month
Ultimate extends Premium with high-volume content creation and multi-character features:
- Everything in Premium
- 15,000 Moments per month + 15% top-up bonus
- Group chats with up to 3 AI characters simultaneously
- Personas (identity-switching for roleplay)
- 6x memory access multiplier
- +100% context length boost
At 15,000 Moments, Ultimate users can generate approximately 300-600 images, or 25-300 video clips, or up to 150 minutes of voice per month. The 15% top-up bonus on additional Moments purchases reduces per-Moment cost when adding credits. Group chats and Personas are exclusive to this tier.
Understand the Moments System in Depth
Moments are the operational currency of Secrets AI — subscription fees unlock features and set message limits, but Moments determine how much content generation activity your budget supports.
Cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 |
| Image generation | 25-50 |
| Short video (3 sec) | ~50 |
| Full video clip | up to 600 |
| Voice call | 100 per minute |
| Manual memory save | 10 |
| New custom character | 1,000-1,500 |
Practical math for Premium (8,000 Moments/month):
- Text-only use: ~4,000-8,000 messages (essentially unlimited for conversational use)
- Images only: 160-320 images
- Videos only: ~13 full-length clips or ~160 short clips
- Voice only: ~80 minutes
- Mixed (realistic): 100 images + 5 full videos + 30 min voice = ~7,500 Moments
Monthly allocations reset on the billing cycle. Unused Moments do not roll over indefinitely — plan your usage accordingly.
Bulk purchase options allow additional Moments outside the monthly allocation. Packages range from 1,980 Moments for $5.99 to 118,800 Moments for $249.99, with discounts reaching up to 30.4% on large bundles. Premium and Ultimate subscribers receive a 10% and 15% bonus respectively on all top-up purchases.
Compare Annual vs Monthly Billing
Annual billing cuts the effective monthly rate by 33% across all paid tiers:
| Tier | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | $23.88/year |
| Plus | $9.99 | $6.67 | $39.84/year |
| Premium | $19.99 | $13.33 | $79.92/year |
| Ultimate | $39.99 | $26.67 | $159.84/year |
The practical recommendation: pay monthly for the first two or three months to confirm the platform fits your use patterns, then switch to annual billing once you have established which tier you consistently use.
Choose the Right Plan for Your Use Case
Different user profiles map to different tiers based on how they use the platform:
- Just exploring: Free tier — evaluate the interface and basic chat quality with 200 Moments
- Text-focused casual user: Plus ($9.99) — unlimited messages, 3,000 Moments covers occasional image generation
- Regular media user: Premium ($19.99) — 8,000 Moments, full emotional memory, Time Machine, and Advanced image model
- Heavy video/image creator: Ultimate ($39.99) — 15,000 Moments + 15% top-up bonus, group chats, Personas
- Budget-conscious entrant: Lite ($5.99) — 100 messages/day and 1,000 Moments if cost is the constraint
Navigate Payment Methods and Billing
Accepted payment methods include Visa, Mastercard, virtual debit cards, and cryptocurrency with a $20 minimum transaction. American Express is not accepted.
All charges appear on bank and card statements as "Sun Clinical Laboratories" — no reference to AI platforms, companion services, or adult content is visible in billing records. This discreet billing approach is consistent across all subscription tiers and Moments purchases.
Subscriptions can be cancelled at any time, with access continuing through the paid period. No public refund policy details are available, so consider your commitment level before choosing longer billing cycles.
FAQ
Yes, Secrets AI offers a free tier with no credit card required. Free accounts receive 20 messages per day, a 500-character limit per message, and 200 Moments as a one-time credit. The free experience is sufficient for evaluating the platform's interface and conversation quality, but the daily message cap and absence of memory continuity (only 2-3 exchange recall) mean it is not designed as a long-term daily-use option. Think of it as a structured product demo rather than a free-forever tier.
Yes. Moments can be purchased as top-up bundles entirely independently of your subscription tier. Bundles range from 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. Premium subscribers receive a 10% bonus on all top-up purchases, and Ultimate subscribers receive 15% extra on top-ups. This makes top-up purchases more cost-effective at higher subscription tiers. You cannot, however, access tier-locked features (like group chats or Time Machine) by purchasing Moments alone — those require the appropriate subscription tier.
Monthly Moments allocations reset on the billing cycle, and unused credits do not roll over indefinitely. If you have 500 Moments remaining at the end of your billing period, those will not carry forward to the next month's allocation. This policy makes it important to plan usage across the month rather than saving Moments for a single burst of activity at the end of a period. Purchased top-up Moments (outside the monthly allocation) may have different rollover terms — check your account settings for current rollover policy on purchased credits.
All Secrets AI charges — both subscriptions and Moments purchases — appear on statements as "Sun Clinical Laboratories." There is no reference to Secrets AI, artificial intelligence, girlfriend services, or adult content in any billing descriptor. This discreet billing approach applies regardless of which tier you are on. For users who prefer complete payment anonymity, cryptocurrency payments are accepted with a $20 minimum transaction per purchase.