Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Here's what most pricing pages won't show you: the subscription cost is only half the equation on Secrets AI. The other half is Moments — the in-platform currency that determines how much video, voice, and image you actually get. A $19.99/month Premium subscription sounds reasonable until you realize that one long video clip costs 600 Moments, and you get 8,000 per month. Do the math before you pick a plan — this guide does it for you.
Secrets AI Pricing Overview
Five tiers, ranging from free to $39.99/month. Annual billing saves 33% on every paid tier.
| Plan | Monthly | Quarterly | Biannual | Annual (per mo.) | Moments/Month |
|---|---|---|---|---|---|
| Free | $0 | — | — | — | 200 (one-time) |
| Lite | $5.99 | — | — | $4.00 | 1,000 |
| Plus | $9.99 | — | — | $6.67 | 3,000 |
| Premium | $19.99 | $49.99 ($16.67/mo) | $89.99 ($15.00/mo) | $13.33 | 8,000 + 10% bonus |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $26.67 | 15,000 + 15% bonus |
Premium and Ultimate offer quarterly and biannual billing options — useful if you want to pay less than full price without committing to a full year.
What You Get on Each Plan
Free Plan
The free plan exists as a trial, not a usable long-term experience. What you get:
- 20 messages per day (hard cap)
- 500-character maximum per message
- 200 Moments — one-time starting credit, no monthly replenishment
- Basic short-term memory — last 2-3 exchanges only (resets after that)
- No image generation
- No video generation
- Full access to browse the character library
Those 200 starting Moments cover approximately 4 images, or about 2 minutes of voice, or a couple of short video clips on Lite — but video isn't available on free. In practice, you can test the chat interface and get a feel for the AI's conversational quality before committing. Don't expect a full experience.
Lite Plan — $5.99/month
The entry point for real usage:
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory — approximately 14-day recall window
- 3-second video clips available
- Standard AI model
Lite is best for text-focused users who want more daily messages than free allows. The 1,000 Moments monthly allocation is tight for media use — roughly 20-40 images per month, or 2-20 short video clips (3-second), with nothing left for voice.
Plus Plan — $9.99/month
The plan most users end up on for good reason:
- Unlimited messaging
- 3,000 Moments per month
- Improved memory — ~30-day recall with topic and tone awareness
- Full image and video generation (all lengths)
- Improved AI model access
Unlimited messaging removes the daily frustration of hitting message caps. 3,000 Moments gives you roughly 60-120 images, or 5 long videos, or 30 minutes of voice per month — not all at once, but enough for a balanced media-and-chat experience. The 30-day memory recall is a significant upgrade over Lite's 14-day window.
Premium Plan — $19.99/month
The full companion experience:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-ups
- Unlimited memory — emotional timeline, full conversation history
- Time Machine — go back to earlier conversation states
- Premium AI models
- 4x memory access multiplier
- +60% context length
- Previous conversation recall: ~67% improvement over base
Premium is where the relationship simulation becomes genuinely persistent. The emotional timeline means the AI tracks not just facts but relationship dynamics, emotional patterns, and identity signals. The Time Machine feature allows branching conversations — useful for roleplay scenarios or revisiting interactions.
Ultimate Plan — $39.99/month
The power-user tier:
- Everything in Premium, plus:
- 15,000 Moments per month + 15% bonus on top-ups
- Group chats — up to 3 AI characters simultaneously
- Personas — identity-switching for roleplay
- 6x memory access multiplier
- +100% context length
Ultimate makes sense only for heavy video and image creators, or users who want group chat and persona features. At $39.99/month, the Moments allocation (15,000) supports roughly 25 long videos or up to 300 short clips per month before you need top-ups.
Understanding the Moments System
Moments are the in-platform currency that powers all media and advanced features. Every paid action costs Moments:
| Action | Cost (Moments) |
|---|---|
| Text message | 1-2 |
| Manual memory save | 10 |
| Image generation | 25-50 |
| Short video (3 seconds) | ~50 |
| Full video clip | ~600 |
| Voice call | 100 per minute |
| New custom character | 1,000-1,500 |
Key rule: Monthly Moments allocations reset on your billing cycle. Unused Moments do not roll over indefinitely. This means a slow month doesn't bank credit for a heavy month — plan usage accordingly.
Bulk top-ups are available independently of subscription tier: 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. Discounts scale up to 30.4% on large bundles. Top-up discounts increase on Premium (10% bonus) and Ultimate (15% bonus) plans.
Real budget math for Premium (8,000 Moments):
You can generate approximately:
- ~13 full-length videos (600 Moments each), OR
- ~160-320 images (25-50 Moments each), OR
- ~80 minutes of voice calls (100 Moments/minute)
A mixed-use month might look like: 100 images (~4,000 Moments) + 5 videos (~3,000 Moments) + 10 minutes voice (~1,000 Moments) = 8,000 Moments total. That's the allocation, fully spent.
Annual vs Monthly — Savings Breakdown
All tiers offer 33% savings on annual billing:
| Plan | Monthly | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | ~33% |
| Plus | $9.99 | $6.67 | ~33% |
| Premium | $19.99 | $13.33 | ~33% |
| Ultimate | $39.99 | $26.67 | ~33% |
The quarterly and biannual options for Premium and Ultimate sit between monthly and annual pricing — useful as a commitment step if you're not ready for a full year. Premium quarterly works out to $16.67/month, biannual to $15.00/month, versus $13.33 on annual.
Recommendation: try one month first. If you're satisfied after 30 days, switch to annual — you'll recoup the first month's price difference within 2-3 months.
Which Plan Is Right for You?
- Just exploring: Free — test the interface and conversation quality with no cost
- Text-only, casual use: Plus ($9.99) — unlimited messaging, 30-day memory, no message caps
- Regular image use, occasional video: Premium ($19.99) — 8,000 Moments covers a balanced mixed-media month
- Heavy video and image creation: Ultimate ($39.99) — 15,000 Moments plus group chats and persona features
- Tightest possible budget: Lite ($5.99) — limited but functional for text-focused use
For a direct comparison of what each tier unlocks versus the free experience, see our free vs premium comparison. For context on the full platform, the detailed review covers everything from chat quality to safety.
Payment Methods and Billing
- Accepted: Visa, Mastercard, virtual debit cards, cryptocurrency (minimum $20 per transaction)
- Not accepted: American Express
- Billing descriptor: "Sun Clinical Laboratories" — no reference to AI, companion services, or adult content
- Cancellation: Cancel anytime; access continues through the end of the current billing period
- Refunds: No public refund policy details available — confirm directly if needed before committing
Cryptocurrency is available for users who want maximum billing privacy, with a $20 minimum transaction requirement.
FAQ
Yes — Secrets AI offers a free tier with no credit card required. It includes 20 messages per day, a 500-character message limit, and a one-time credit of 200 Moments. Free users have access to the full character library but cannot generate images or videos. The memory resets after every 2-3 exchanges. The free tier is functional enough to evaluate the conversation quality and interface, but it is intentionally limited to encourage upgrades.
Yes. Moments top-ups can be purchased independently of your subscription tier. Bundles range from 1,980 Moments for $5.99 up to 118,800 Moments for $249.99, with volume discounts up to 30.4%. Premium subscribers receive a 10% bonus on top-up purchases; Ultimate subscribers receive 15%. This makes top-ups most cost-efficient on higher tiers.
No. Monthly Moments allocations reset on your billing cycle, and unused credits do not roll over indefinitely. If you underspend one month, you do not accumulate a buffer for the next. Budget your Moments based on your typical monthly usage pattern, not an assumed rollover balance.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and card statements. There is no reference to Secrets AI, AI companions, or adult content in the billing descriptor. For maximum billing privacy, cryptocurrency payment is accepted with a minimum $20 transaction.