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

Secrets AI pricing looks straightforward on the surface — five tiers from free to $39.99/month — but the real cost picture is more complex. The subscription fee covers message access and monthly Moments allocations, but media generation (images, videos, voice) draws from those Moments at rates that vary widely. Understanding both layers before subscribing prevents unpleasant surprises.

Secrets AI Pricing Overview

Annual billing saves 33% on every paid tier. Quarterly and biannual options exist only for Premium and Ultimate — the two highest tiers — offering middle-ground savings of 17-25% compared to monthly billing.

For context on which features each tier unlocks beyond just pricing, the detailed review covers what the experience actually feels like at each level.

What You Get on Each Plan

Free Plan

The free tier is functional as a demonstration but not as an ongoing experience:

• 20 messages per day maximum
• 500-character limit per message
• 200 Moments as a one-time starting allocation (not monthly)
• Memory limited to the last 2-3 exchanges only
• No image generation, no video generation, no voice calls
• Full character library accessible for browsing and chat

Two hundred Moments generates roughly four images at 50 Moments each, or a single short video clip. Once spent, they are gone — the free tier receives no monthly Moments replenishment. The daily 20-message limit is restrictive enough that substantive roleplay is difficult to maintain.

Lite Plan ($5.99/mo)

Lite represents the minimum functional entry point for paid use:

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (approximately 14-day recall)
• Access to 3-second video clip generation
• Image generation enabled

At 1,000 Moments monthly, Lite supports approximately 20 images or 2-20 video clips, depending on clip length. Users who primarily want extended text conversation with occasional images will find Lite workable. Regular media generation will exhaust the Moments allocation quickly.

Plus Plan ($9.99/mo)

Plus is the inflection point where Secrets AI becomes a genuinely usable platform for most people:

• Unlimited messages per day
• 3,000 Moments per month
• Memory recall extending approximately 30 days, with topic and tone awareness
• Full video and image generation at all quality levels
• Access to all standard AI models

The jump from Lite to Plus is significant: unlimited messaging removes the daily frustration of hitting limits mid-conversation, and 3,000 Moments supports approximately 60-120 images or 5-60 videos per month depending on length choices. Most users are best served at this tier.

Premium Plan ($19.99/mo)

Premium is for users who want the full Secrets AI experience without the top-tier price:

• Unlimited messaging
• 8,000 Moments per month plus 10% bonus on top-up purchases
• Unlimited memory with full emotional timeline
• Time Machine feature (return to past relationship states)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost

The memory upgrade alone justifies the price for users who care about long-term relationship continuity. Unlimited memory with an emotional timeline means the AI tracks relationship history in a meaningfully different way than the 30-day recall on Plus. The +60% context length boost directly improves how much of your conversation history shapes each response.

Ultimate Plan ($39.99/mo)

Ultimate is for heavy power users with specific advanced needs:

• Unlimited messaging
• 15,000 Moments per month plus 15% bonus on top-ups
• All Premium memory features
• 6x memory access multiplier
• +100% context length boost
• Group chats: up to 3 AI characters simultaneously
• Personas: identity-switching for roleplay
• Priority access to new features

At $39.99/month, Ultimate makes economic sense primarily for users who generate substantial video content regularly and for those who specifically want group chat or persona capabilities. The Moments allocation of 15,000 supports approximately 25-300 videos per month depending on clip length.

Understanding the Moments System

Moments are the virtual currency that powers all media generation on Secrets AI. They are separate from the subscription fee: your subscription grants a monthly Moments allocation, but the rate at which you spend them depends entirely on how you use the platform.

Moments cost per action:

Monthly Moments allocations reset at the billing cycle — unused Moments do not roll over indefinitely. This means it is better to plan usage within the month rather than banking on accumulation.

Bulk Moments purchase options are available if you exhaust your monthly allocation before renewal:

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

Practical budget math on Premium (8,000 Moments):

• Text-only month: 4,000+ messages
• Image-focused month: ~160-320 images
• Video-focused month: ~13 full videos or ~160 short clips
• Mixed typical use: 100 images + 5 videos + 30 minutes voice ≈ 7,500 Moments

For a complete analysis of how Moments interact with each feature and which tier to choose based on usage patterns, the all features overview breaks this down in detail.

Annual vs Monthly — Savings Breakdown

The savings percentage is consistent at 33% across all tiers. For Lite and Plus, annual billing commits you to $48/year or $80/year respectively — reasonable if the platform proves its value within the first month or two.

Quarterly billing at $49.99 (Premium) or $99.99 (Ultimate) saves 17% compared to monthly rates — a useful middle ground if you want savings without a full-year commitment.

Recommendation: start monthly for the first 2-3 months, then switch to annual billing once you have confirmed the platform fits your usage pattern.

Which Plan Is Right for You?

The honest decision framework:

• Just exploring: Start free. The 200 Moments and 20 messages/day give a genuine taste of conversation quality. Do not expect full features.
• Casual text conversation: Plus at $9.99/month. Unlimited messages, 30-day memory, and enough Moments for occasional images.
• Regular image use + some video: Premium at $19.99/month. The 8,000 Moments allocation and unlimited memory make this the sweet spot for engaged users.
• Heavy video creation or group chats: Ultimate at $39.99/month. The Moments volume and exclusive features justify the price only at this usage level.
• Budget-first: Lite at $5.99/month covers the basics, but Moments will run thin with any media usage.

Comparing these costs against competitors: CrushOn AI starts at $5.99/month without the Moments system for text, and Candy AI starts at $12.99/month with stronger image quality. See the cheaper alternatives comparison if budget is the primary constraint.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted. Cryptocurrency option is available for users who want maximum payment privacy or prefer not to use bank-linked cards.

All charges appear on payment statements as "Sun Clinical Laboratories" — no reference to AI, companions, or adult content. The discreet billing descriptor applies regardless of payment method.

Subscriptions can be cancelled at any time; access continues through the end of the paid billing period. No publicly available refund policy has been documented.

For the question of whether paid features justify the upgrade from free, the free vs premium comparison lays out the decision clearly.

FAQ