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

The first time most users open the Secrets AI pricing page, the Moments system catches them off guard. Five subscription tiers, monthly or annual billing, and a virtual currency layered on top — it's not the simplest pricing structure in the AI companion space. Once you understand how Moments work and which tier matches your actual usage, the value calculus becomes clear. This guide breaks it all down with exact numbers.

For a broader assessment of the platform, the detailed review covers features, privacy, and overall verdict.

Secrets AI Pricing Overview

Quarterly and biannual billing options exist only for Premium and Ultimate — Lite and Plus are monthly or annual only. All plans auto-renew; cancellation stops future charges while preserving access through the current billing period.

What You Get on Each Plan

Free Plan

The free tier gives you a working preview of the platform, not a usable long-term experience:

• 20 messages per day
• 500-character maximum per message
• 200 Moments (one-time starting credit, not recurring)
• Basic short-term memory covering only the last 2–3 exchanges
• No image or video generation
• Full character library access for browsing and basic chat

The 200 starting Moments translate to roughly 4 images, a few minutes of voice call, or a handful of videos — but not all three. Once spent, free users have no recurring Moments allocation. The 20-message daily cap is the other primary constraint.

Lite Plan ($5.99/mo)

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days recall)
• Access to 3-second video clips
• Entry-level but workable for text-focused users

The Lite plan is the right choice if you primarily want extended conversations without message limits being a constant obstacle, and you don't intend to generate much video or image content.

Plus Plan ($9.99/mo)

• Unlimited messaging
• 3,000 Moments per month
• Improved memory (~30 days, with topic and tone awareness)
• Full video and image generation access
• Best value tier for the majority of users

Plus is where the platform becomes genuinely functional as a long-term companion experience. Unlimited messaging removes daily friction, 3,000 Moments is enough for regular image generation with occasional video, and 30-day memory recall means the AI retains meaningful context between sessions.

Premium Plan ($19.99/mo)

• Unlimited messaging
• 8,000 Moments per month + 10% bonus on top-ups
• Unlimited memory with full emotional timeline
• Time Machine feature (revisit earlier conversation states)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost
• Previous conversation recall (~67%)

Premium is for users who want the full Secrets AI experience with no meaningful limitations. The emotional timeline memory and Time Machine are only available here and on Ultimate — these features are what make Secrets AI's memory system distinctive versus competitors.

Ultimate Plan ($39.99/mo)

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

Ultimate makes economic sense only for heavy video and image creators who will realistically consume 15,000 Moments monthly. Group chats and Personas are genuine additional features unavailable on lower tiers. For context: 15,000 Moments covers roughly 25 full-length videos, or 300 images, or 150 minutes of voice calls per month.

Understanding the Moments System

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

Monthly Moments allocations reset and do not roll over. Unused Moments at month-end are lost.

Moments can also be purchased in bulk:

*Largest bundle includes a 30.4% discount off base rate. Premium and Ultimate subscribers also receive 10% and 15% bonus Moments on top-up purchases, respectively.

Real math on Premium (8,000 Moments/month):

• ~160-320 images, OR
• ~13 full-length videos, OR
• ~80 minutes of voice calls, OR
• A realistic mix: 100 images + 5 videos + 30 minutes voice ≈ 7,500 Moments

Annual vs Monthly — Savings Breakdown

Every paid tier saves exactly 33% on annual billing. For Premium, that's nearly $80/year saved. The practical recommendation: start on monthly billing for the first 1–2 months to confirm the plan suits your usage, then switch to annual.

Which Plan Is Right for You?

• Just exploring / first-time user: Start on Free (200 Moments to test), then decide
• Text-focused casual user: Plus ($9.99) — unlimited messaging, 30-day memory, no media pressure
• Regular image generation, occasional video: Premium ($19.99) — 8,000 Moments is the workable media budget
• Heavy video and image creator: Ultimate ($39.99) — 15,000 Moments, group chats, personas
• Minimal spend: Lite ($5.99) if 100 messages/day and 1,000 Moments/month suits your pace

For the free vs. paid decision broken down in more detail, see the free vs premium comparison. To see how these prices stack up against alternatives, read our alternatives guide.

Payment Methods and Billing

Accepted payment methods:

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

Not accepted: American Express.

Billing appears as "Sun Clinical Laboratories" on bank statements — no reference to AI, adult content, or the platform name. Cryptocurrency provides the highest billing privacy. Card data is processed via third-party providers; Secrets AI does not store raw card numbers directly.

No publicly documented refund policy exists — cancellation stops future billing but does not produce a partial-month refund. If refund terms matter for your decision, contacting support before purchasing is recommended. Access continues through the end of any paid billing period after cancellation.

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