Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Before you spend a dollar on an AI companion platform, you want to know exactly what that dollar buys — and more importantly, whether the price model makes sense for how you actually plan to use it. Secrets AI runs on a two-layer cost structure: a subscription tier determines your feature access and monthly Moments allowance, and then Moments function as the operational currency for every media action. This guide maps the complete pricing architecture so there are no surprises after you sign up.
For context on what each feature is worth, the full review gives an honest verdict on value. The free vs premium comparison focuses specifically on the upgrade decision.
The Pricing Structure: An Overview
Secrets AI offers five tiers. Here is the full pricing matrix including monthly, quarterly, biannual, and annual rates:
| Plan | Monthly | Quarterly (per mo) | Biannual (per mo) | Annual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | ~$5.00 | ~$4.50 | $4.00 |
| Plus | $9.99 | ~$8.33 | ~$7.50 | $6.67 |
| Premium | $19.99 | ~$16.67 | ~$15.00 | $13.33 |
| Ultimate | $39.99 | ~$33.33 | ~$30.00 | $26.67 |
Annual billing saves 33% across all paid tiers. If you are confident in the platform after a month or two of testing, switching to annual billing is the single most effective way to reduce your costs.
The Blueprint: What You Get on Each Plan
Free Plan
The free tier is an entry point, not a sustainable experience. Here is what it provides:
- 20 messages per day (hard limit — conversation stops when you hit it)
- 500-character maximum per message
- 200 starting Moments (one-time allocation, not a monthly reset)
- Basic short-term memory: last 2–3 exchanges only
- Full character library browsing
- No image generation
- No video generation
- No voice calls
The 200 Moments can cover approximately 4 static images (at 50 Moments each) or a few short text interactions if spent efficiently. In practice, most users exhaust the starting Moments within their first session of exploring image generation. The free tier is adequate for evaluating the conversation interface and character library — nothing more.
Lite Plan ($5.99/mo)
The Lite tier unlocks the platform's foundational capabilities:
- 100 messages per day
- 1,000 Moments per month (monthly reset)
- Basic long-term memory (~14 days retention)
- 3-second video clip generation unlocked
- Standard image generation
At 1,000 Moments per month, media budgeting becomes important. Spending 600 Moments on a single long video leaves only 400 for the rest of the month. Lite is appropriate for text-focused users who want the occasional image but are not primarily visual-content users.
Plus Plan ($9.99/mo)
Plus is the crossover point where Secrets AI becomes a genuinely usable daily experience. Most user profiles align best with this tier:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory: topic + tone awareness, ~30-day retention
- Full video generation (longer clips, not just 3-second)
- Full image generation
- Voice calls
The shift from 100 messages/day to unlimited is significant for users who want long, immersive conversation sessions. The 3,000 Moments support approximately 60–120 images, or 5 longer videos, or 30 minutes of voice per month — workable for casual to moderate media use. Annual pricing reduces Plus to $6.67/month, making it competitive against most subscription services.
Premium Plan ($19.99/mo)
Premium is designed for users who want the full relational experience with deep memory and high media output:
- Unlimited messaging
- 8,000 Moments per month + 10% monthly bonus (effectively ~8,800 Moments)
- Unlimited memory with emotional timeline
- Time Machine (revisit and replay past conversation states)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Voice calls, full image and video generation
The emotional timeline tracks the arc of your relationship over time — shifts in tone, significant moments, accumulated context — rather than just storing a rolling window of recent exchanges. Time Machine allows you to explore alternative directions within an established conversation history.
On Premium (8,800 effective Moments), the practical budget translates to roughly:
- ~160–320 images
- ~13 full-length videos
- ~88 minutes of voice calls
- Or a mixed use: ~100 images + 5 videos + 30 minutes voice ≈ 8,500 Moments
Ultimate Plan ($39.99/mo)
Ultimate is for power users with high media volume or specific group features:
- Unlimited messaging
- 15,000 Moments per month + 15% monthly bonus (~17,250 Moments effective)
- Everything in Premium, plus:
- Group chats: up to 3 AI characters simultaneously
- Personas: identity-switching for complex roleplay
- 6x memory access multiplier
- +100% context length boost
Group chats and personas are exclusively available at this tier. If these features are not priorities, the jump from Premium ($19.99) to Ultimate ($39.99) doubles your cost for roughly double the Moments plus the group/persona features — a premium that is only justified by heavy video/image creation volume.
The Currency System: Understanding Moments
Moments function as Secrets AI's operational currency. Every media action consumes Moments from your monthly allocation. Here is the full cost table:
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Standard image | 25 Moments |
| Premium image | 50 Moments |
| 3-second video clip | ~50 Moments |
| Full-length video | ~600 Moments |
| Voice call | 100 Moments/minute |
| Manual memory save | 10 Moments |
| Create new custom character | 1,000–1,500 Moments |
Bulk Moments purchases are available outside of subscription tiers:
| Bundle | Cost |
|---|---|
| 1,980 Moments | $5.99 |
| 4,950 Moments | $14.99 |
| 9,900 Moments | $24.99 |
| 24,750 Moments | $49.99 |
| 49,500 Moments | $99.99 |
| 118,800 Moments | $249.99 |
Important: unused Moments do not roll over between billing cycles. If you have 500 Moments remaining at month end, they expire. Plan your media budget accordingly toward the end of each cycle.
The Savings Calculation: Annual vs Monthly
| Plan | Monthly Cost | Annual Cost (per mo) | 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 savings structure is straightforward: every tier saves exactly 33% on annual billing. On Premium, that translates to $79.20 saved per year ($239.88 vs $159.96 annually). The practical recommendation is to run on monthly billing for 2–3 months to confirm the platform fits your usage pattern, then switch to annual billing.
Which Plan Is Right for You?
Your optimal tier depends on what you primarily want from the platform:
- Just exploring or testing: Free tier — browse characters, test conversation quality, spend 200 starting Moments carefully
- Text-focused conversation, minimal media: Plus ($9.99/mo) — unlimited messaging, 30-day memory, occasional images
- Regular image use, occasional video: Premium ($19.99/mo) — 8,000+ Moments, emotional timeline, premium AI models
- Heavy video/image creation: Ultimate ($39.99/mo) — 15,000+ Moments, full Moments budget for media production
- Group roleplay or personas: Ultimate — these features are not available on any lower tier
The features breakdown shows exactly what each capability requires in terms of Moments and tier access. The alternatives page compares Secrets AI's pricing model against competitors for users evaluating options.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Payment card data is processed via third-party payment processors — Secrets AI does not store raw card details directly.
Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to AI, companion platforms, or adult content. Cryptocurrency payments are an option for users who want to remove payment linkage entirely.
Subscriptions can be canceled at any time, with access continuing through the end of the paid billing period. Publicly available refund policy details are limited — if this is a concern, contacting support before purchase is advisable.
FAQ
Yes, a free tier exists. It provides 200 starting Moments (a one-time allocation, not monthly), 20 messages per day, and basic character browsing. Media generation is not available on free. The free experience functions as an extended demo — enough to evaluate conversation quality and the interface, but not enough to experience the platform's full capabilities including memory continuity, image generation, or video.
Yes. Additional Moments can be purchased in standalone bundles at any subscription level, ranging from 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. These top-up Moments add to your current balance and follow the same expiry rules — they reset at the start of your next billing cycle along with your subscription allocation.
No. Monthly Moments allocations and any top-up Moments reset at the start of each billing cycle. Unused Moments from the previous period expire. This makes end-of-cycle spending on images or shorter video clips an efficient use of remaining balance rather than letting it reset to zero.
All Secrets AI charges appear on bank and credit card statements as "Sun Clinical Laboratories" — no platform name, no AI reference, no adult content indicators. Cryptocurrency payments (minimum $20) are also accepted and provide complete billing discretion. Virtual debit cards are another option for users who want payment separation from their primary accounts.