Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Before you spend a dollar on Secrets AI, there's one thing to understand: the subscription price is only part of what you'll pay. The Moments currency system adds a second billing layer for every image, video, and voice call. This guide breaks down every cost — subscription tiers, Moments allocations, per-action prices, and the real monthly spend you should expect at each level.
For context on what you're paying for, see the complete feature breakdown or the full platform review.
Secrets AI Pricing Overview
Five tiers cover the full range from free to power-user:
| Plan | Monthly | Quarterly (per mo) | Biannual (per mo) | Annual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $16.67 | $15.00 | $13.33 |
| Ultimate | $39.99 | $33.33 | $30.00 | $26.67 |
Annual billing delivers a 33% discount on Plus through Ultimate. Quarterly and biannual options exist only for Premium and Ultimate — these provide a middle path between month-to-month flexibility and the full annual commitment.
What You Get on Each Plan
Free Plan
The free tier is a functional demo rather than a complete product. You receive:
- 20 messages per day, with a 500-character cap per message
- 200 Moments — a one-time starting credit, not a monthly refill
- Basic short-term memory covering only the last 2-3 conversation exchanges
- Full access to the character library for browsing and starting conversations
- No image generation, no video generation, no voice calls
With 200 Moments and 20 messages per day, you can evaluate conversation quality and the basic interface for 1-2 sessions. It's sufficient to decide if the platform interests you — not sufficient for ongoing use.
Lite Plan ($5.99/mo)
Lite is the entry point for actual platform use:
- 100 messages per day
- 1,000 Moments per month (resets monthly)
- Basic long-term memory with approximately 14-day recall
- Access to short 3-second video clips
- Standard image generation (25-50 Moments per image)
At 1,000 Moments monthly, you can generate roughly 20-40 images per month, or 20 short video clips, or about 10 minutes of voice calls — but not a mix of all three. Lite is viable for text-focused users who want occasional image generation. Budget-conscious users should see the free vs premium comparison for a clear picture of what Lite actually delivers day-to-day.
Plus Plan ($9.99/mo)
The most versatile plan for the majority of users:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory with approximately 30-day recall and topic + tone awareness
- Full image and video generation access
- Access to all AI models
Plus hits the value inflection point. Unlimited messaging removes the main free-tier frustration, 3,000 Moments supports a meaningful mix of text and media, and the 30-day memory window creates conversational continuity. At $9.99/month (or $6.67 on annual billing), it's the plan most users should start with.
Premium Plan ($19.99/mo)
Premium unlocks the full platform capabilities:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-up purchases
- Unlimited memory with emotional timeline tracking
- Time Machine — return to and revisit earlier conversation states
- Premium AI models
- 4x memory access and +60% context length
- Enhanced previous conversation recall (~67% improvement)
The memory upgrade from Plus to Premium is the most substantial capability jump on the platform. Emotional timeline tracking means the AI builds a genuine record of your relationship dynamics, not just recent chat history. For users who want deep, persistent companion relationships, Premium delivers where Plus cannot.
Ultimate Plan ($39.99/mo)
The power-user tier:
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on top-ups
- Everything in Premium
- 6x memory access and +100% context length
- Group chats with up to 3 AI characters simultaneously
- Personas for identity-switching roleplay
- Enhanced previous conversation recall (+100%)
Ultimate's unique additions — group chats and personas — are genuine feature unlocks, not just quantitative upgrades. If you want multi-character scenarios or deep immersive roleplay requiring identity switching, Ultimate is the only plan that enables them. For Moments volume alone: 15,000 per month supports roughly 25 long video clips, or 300-600 images, or 150 minutes of voice calls.
Understanding the Moments System
Moments is Secrets AI's in-platform virtual currency. Every action beyond plain text has a Moments cost:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments per entry |
| New custom character | 1,000-1,500 Moments |
Key rule to internalize: monthly Moments grants reset each billing cycle. Unused Moments do not roll over indefinitely. If you receive 3,000 Moments on the Plus plan and use 1,500 in a month, the remaining 1,500 is lost at the next renewal.
Bulk Moments purchases are available if your monthly allocation runs short:
- 1,980 Moments: $5.99
- Higher bundles up to 118,800 Moments: $249.99
- Discounts on larger bundles reach up to 30.4%
Real math on Premium (8,000 Moments/month):
- All images: ~160-320 images
- All long video: ~13 full-length clips
- All voice: ~80 minutes
- Mixed use: 100 images + 5 long videos + 30 minutes voice ≈ 7,500 Moments
Real math on Plus (3,000 Moments/month):
- All images: ~60-120 images
- All long video: ~5 clips
- All voice: ~30 minutes
- Mixed use: 40 images + 2 videos + 10 minutes voice ≈ 2,400 Moments
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Cost | Annual (per mo) | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $23.88 |
| Plus | $9.99 | $6.67 | $3.32 | $39.84 |
| Premium | $19.99 | $13.33 | $6.66 | $79.92 |
| Ultimate | $39.99 | $26.67 | $13.32 | $159.84 |
The standard advice applies: start monthly to confirm the platform suits your usage patterns, then switch to annual after 2-3 months if you're satisfied. The savings are substantial enough to make the switch worthwhile once you've validated the investment.
Which Plan Is Right for You?
Just exploring or testing: Start with Free. The 200 Moments and 20 messages per day are enough to evaluate conversation quality without spending anything.
Text-focused, casual user: Plus at $9.99/month. Unlimited messaging, 30-day memory, and 3,000 Moments handle regular text use with occasional images comfortably.
Regular images and occasional video: Premium at $19.99/month. The 8,000 Moments allocation and unlimited memory create a sustainable content generation rhythm without constant top-up purchases.
Heavy video creator or power user: Ultimate at $39.99/month. The 15,000 Moments, group chat access, and 15% top-up bonus make this the only viable tier for users generating video regularly.
Tight budget: Lite at $5.99/month is better than free for ongoing text use, but the 1,000 Moments limit will constrain media generation quickly.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction per purchase)
American Express is not accepted.
All charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI, companions, or adult content. This billing descriptor is consistent regardless of payment method. Cryptocurrency payments provide the highest privacy level for users who prefer to keep the transaction entirely off credit card records.
Subscriptions are cancel-anytime, with access continuing through the current billing period. Refund policy details are not publicly documented — check directly with support before purchasing if refund terms matter to your decision.
Frequently Asked Questions
Yes, there is a permanently free tier. It includes 20 messages per day, a one-time credit of 200 Moments, basic short-term memory (last 2-3 exchanges only), and access to browse the full character library. Image generation, video generation, and voice calls are not available on the free plan. The free tier is best understood as an extended trial rather than a complete product.
Yes. Moments top-up bundles are available for purchase independently of your subscription tier. The smallest bundle is 1,980 Moments for $5.99; bundles scale up to 118,800 Moments for $249.99, with discounts up to 30.4% on larger purchases. Premium and Ultimate subscribers also receive a bonus percentage (10% and 15% respectively) on top-up purchases, making bulk buying more efficient on those tiers.
No. Monthly Moments grants reset at the start of each billing cycle. If you receive 3,000 Moments on the Plus plan and use 1,500 in a month, the remaining 1,500 does not carry forward. This is a meaningful consideration when choosing your tier — if you don't regularly use enough content to justify the allocation, you're effectively paying for Moments you never spend. Top-up purchases may have different rollover rules; verify with the platform directly.
All Secrets AI charges — both subscriptions and Moments top-ups — appear on bank statements as "Sun Clinical Laboratories." There is no reference to Secrets AI, artificial intelligence, companion platforms, or adult content in the billing descriptor. For users wanting complete payment privacy, cryptocurrency transactions (minimum $20) are also accepted and provide no card trail.