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

Secrets AI runs five subscription tiers from free to $39.99 per month, layered over a Moments virtual currency system that charges separately for media generation. Understanding both the subscription cost and the Moments math is essential before committing — the plan price is not the full picture.

This page covers every tier in detail, exact Moments costs per action, the real math on what you can generate each month, and a clear recommendation on which plan fits which usage pattern. For a broader assessment of the platform, see the detailed Secrets AI review.

Secrets AI Pricing Overview

Quarterly and biannual billing options are only available for Premium and Ultimate. Lite and Plus offer only monthly or annual billing. Annual billing at any paid tier saves exactly 33% compared to the monthly rate.

What You Get on Each Plan

Free Plan

The free tier is a working demo, not a long-term solution:

• 20 messages per day (500-character maximum per message)
• 200 Moments starting credit (one-time, not renewed monthly)
• Basic short-term memory (last 2-3 exchanges only — no continuity across sessions)
• Full character library access — browse all ~94 characters
• No image or video generation capability

Those 200 Moments translate to roughly 4 images, or a few minutes of voice interaction, or a small number of text messages. Once spent, generation features are locked until you upgrade or purchase a top-up. The free tier is sufficient to evaluate the chat interface and character library — nothing more.

Lite Plan ($5.99/mo)

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (approximately 14-day recall window)
• Access to 3-second video clips (shortest tier with video access)
• Full character library and image generation

Lite is the budget entry point for users who want more than the free tier's 20 messages/day. The 1,000 Moments monthly allocation is tight — roughly 20-40 images or 2-20 videos depending on clip length. Users who use voice calls frequently will exhaust Lite Moments in under 10 minutes of call time.

Plus Plan ($9.99/mo)

• Unlimited messaging
• 3,000 Moments per month
• Memory recall approximately 30 days with topic and tone awareness
• Full image and video generation access
• No conversation length limit

Plus is the recommended starting point for most users. The jump from 100 messages/day to unlimited is significant, and 3,000 Moments supports a moderate mix of images, occasional videos, and limited voice. The memory upgrade from Lite's 14-day basic recall to Plus's 30-day topic-aware memory meaningfully improves conversation continuity.

Premium Plan ($19.99/mo)

• Unlimited messaging
• 8,000 Moments per month plus 10% bonus on top-up purchases
• Unlimited memory with full emotional timeline
• Time Machine feature (revisit past conversation states)
• Premium AI models for better conversation quality
• 4x memory access multiplier
• +60% context length boost
• Previous conversation recall rate approximately 67% higher than Plus

Premium represents the full Secrets AI experience. The emotional timeline memory means the AI tracks the arc of your relationship over time, not just recent exchanges. The Time Machine feature is genuinely useful for complex roleplay — you can branch a narrative from an earlier point rather than starting over.

The 8,000 Moments allocation enables:

• Approximately 160-320 images per month, or
• Approximately 13 full-length video clips, or
• Approximately 80 minutes of voice calls

Or a mixed strategy: 100 images + 5 videos + 30 minutes voice consumes around 7,500 Moments.

Ultimate Plan ($39.99/mo)

• Everything in Premium
• 15,000 Moments per month plus 15% bonus on top-up purchases
• Group chats: up to 3 AI characters simultaneously
• Personas: identity-switching for roleplay
• 6x memory access multiplier
• +100% context length boost

Ultimate is the power-user tier and the only plan that unlocks group chats and personas. For users who primarily use Secrets AI for text conversation with occasional media, Ultimate is likely overkill — the Moments allocation is generous, but most users will not exhaust Premium's 8,000. Ultimate makes sense for heavy video creators and users who specifically want the group chat or persona features.

Understanding the Moments System

Moments are the platform's virtual currency. Every non-text action costs Moments, drawn from your monthly allocation or purchased separately.

Key points to understand:

Monthly Moments allocations reset at billing renewal — unused credits do not roll over indefinitely, so spending conservatively one month does not build up a meaningful surplus for the next.

Bulk Moments purchases are available from 1,980 Moments ($5.99) to 118,800 Moments ($249.99), with discounts up to 30.4% on larger bundles. Premium subscribers receive an additional 10% bonus on any top-up purchase; Ultimate subscribers receive 15%.

The 10% top-up bonus on Premium means that if you regularly buy extra Moments, Premium's effective value exceeds what the monthly allocation alone suggests.

Annual vs Monthly — Savings Breakdown

The 33% annual discount is consistent across all tiers. At Premium, annual billing saves nearly $80 per year — worth taking if you are confident in the platform after a month or two of monthly use. The recommendation: start monthly to validate the experience fits your usage, then switch to annual billing once committed.

Quarterly and biannual options for Premium and Ultimate serve as a middle ground — smaller upfront commitment than annual, better rate than monthly.

Which Plan Is Right for You?

The answer depends almost entirely on how you expect to use the platform:

Just exploring or testing: Start with Free. The 200 starting Moments and 20 messages/day are enough to assess whether the chat quality meets your expectations before spending anything.

Text-focused conversations: Plus ($9.99/mo) is the clear choice. Unlimited messages, 30-day memory recall, and enough Moments for occasional images. Video and voice on Plus are available but Moments-constrained for heavy users.

Regular image generation plus occasional video: Premium ($19.99/mo). The 8,000 Moments allocation supports a realistic mixed-use pattern, and the emotional timeline memory transforms the companion experience from transactional to relational.

Heavy video and image creator: Ultimate ($39.99/mo). The 15,000 Moments monthly allocation plus the 15% top-up bonus provides meaningful headroom for regular video generation without constant Moments anxiety.

Budget-conscious but wants paid features: Lite ($5.99/mo) gives 100 messages/day and basic long-term memory for under $6. Moments will be tight for media, but for users who primarily want extended text conversations, Lite covers it.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted. Payment is processed through third-party providers — card data is not stored directly by Secrets AI.

Billing discretion: All charges appear on bank and card statements as "Sun Clinical Laboratories" — no reference to AI, companionship, adult content, or the platform name. Cryptocurrency payments offer the highest level of payment anonymity.

Subscriptions can be cancelled at any time; access continues through the end of the current billing period. No publicly documented refund policy — this is worth checking with support before purchase if refund terms are important to your decision.

For a side-by-side comparison of what each tier unlocks in practical terms, the free vs premium comparison provides a feature-level breakdown. To understand what the platform actually does, the full features guide covers every capability in detail.

Start with a free Secrets AI account →

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