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

The Secrets AI free tier gives you 20 messages per day and 200 starting Moments. At the top end, the Ultimate plan runs $39.99 per month for 15,000 Moments plus group chats and personas. Between those two extremes sit three paid tiers with meaningfully different capability profiles. Understanding the Moments system — how much each action costs and how fast allocations deplete — is the key to choosing the right plan without overspending.

Secrets AI Pricing Overview

The annual rate saves 33% compared to monthly on every paid tier. Quarterly and biannual options exist as middle ground if you want to commit for longer than a month without the full annual commitment.

What You Get on Each Plan

Free Plan

The free tier establishes a starting point but is designed as a demo rather than a functional long-term experience:

• 20 messages per day (500-character maximum per message)
• 200 Moments — one-time allocation, no monthly renewal
• Basic short-term memory: last 2–3 exchanges only
• No image generation
• No video generation
• No voice calls
• Full character library browsing access

In practice, 200 Moments disappears fast. Four companion images cost 100–200 Moments by themselves. The free tier is sufficient to test the conversation engine and browse the character library — nothing more.

Lite Plan ($5.99/mo)

Lite is the entry point for paid access:

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days retention)
• 3-second video clips (the minimum video tier)
• Image generation at standard quality
• Voice calls available (100 Moments/minute)

The 1,000 monthly Moments allocation is tight once media features are factored in. Ten minutes of voice calls alone costs 1,000 Moments — the entire monthly allocation. Lite is best for text-focused users who generate media occasionally.

Plus Plan ($9.99/mo)

Plus is the most commonly recommended tier for general users:

• Unlimited messaging (no daily cap)
• 3,000 Moments per month
• Improved long-term memory (~30 days, topic + tone awareness)
• Full video generation access
• Image and voice call access at standard quality
• Standard AI model tier

The jump from limited (100/day) to unlimited messaging alone justifies the $4/month difference over Lite for conversational users. The 3,000 Moments allocation supports moderate media use — around 60–120 images, 5 full-length videos, or 30 minutes of voice per month if used exclusively for one type. Mixed media use is tighter.

Premium Plan ($19.99/mo)

Premium is where the platform's full capability opens up:

• Unlimited messaging
• 8,000 Moments per month plus 10% monthly bonus
• Unlimited memory with emotional timeline
• Time Machine feature for revisiting past conversation states
• Premium AI models (higher response quality)
• 4x memory access multiplier
• +60% context length boost
• Advanced image generation model

The memory system upgrade at Premium is the most significant jump on the platform. Moving from 30-day topic recall to unlimited memory with an emotional timeline changes the companion experience fundamentally — the AI tracks relationship history and references it coherently rather than treating each session as near-fresh.

Ultimate Plan ($39.99/mo)

Ultimate adds three features not available at any lower tier:

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

Ultimate's math works for heavy media generators. At 15,000 Moments, a user can produce approximately 25 full-length videos, or 300–600 images, or 150 minutes of voice per month — or a practical mix of all three. The group chat feature has niche appeal; the Moments volume is the primary driver for choosing Ultimate over Premium.

Understanding the Moments System

Moments are the platform's virtual currency. Every non-text feature costs Moments:

The key planning reality: video is 12–600x more expensive than text per action. A user who generates even two full-length videos per week at Premium (8,000 Moments/month) is spending 4,800 Moments on video — leaving 3,200 for everything else.

Bulk Moments purchases are available separately, independent of subscription level:

• 1,980 Moments — $5.99
• Mid-tier bundles available
• 118,800 Moments — $249.99

Moments do not roll over between months — unused allocation resets at billing date.

Annual vs Monthly — Savings Breakdown

The 33% annual discount is consistent across all tiers. For Premium users, the annual commitment saves nearly $80 per year. The standard advice: use monthly billing for the first 2–3 months to confirm the platform fits your usage patterns, then switch to annual if you plan to continue.

Which Plan Is Right for You?

The decision comes down to how you use the platform:

Just exploring the platform — Start with Free (200 Moments) to test conversation quality, then decide whether to upgrade. The free tier is not designed for ongoing use.

Primarily text conversation, occasional images — Plus ($9.99/month) is the right call. Unlimited messaging and 3,000 Moments covers light media use without overspending.

Regular images plus occasional video — Premium ($19.99/month) gives the memory depth and Moments volume for a genuinely satisfying experience. The 4x memory multiplier and emotional timeline significantly improve long-term relationship quality.

Heavy video and image creation — Ultimate ($39.99/month) is the only tier where video-heavy users have comfortable Moments headroom without constantly buying top-ups.

For a side-by-side comparison of free versus paid features, see the free vs premium comparison.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted. Card data is processed by third-party payment providers and not stored directly by Secrets AI.

Billing discretion is a notable feature: all charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI services, girlfriend platforms, or adult content. For users who need payment privacy, cryptocurrency provides the highest degree of anonymity.

Cancellation is available at any time; access continues through the end of the current billing period. Public information on the refund policy is limited — no explicit refund policy is documented on the platform.

For more detail on billing and financial privacy, see the detailed review.

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