Secrets AI Pricing Decoded: Every Plan, Every Cost, Every Trade-Off

Secrets AI uses a freemium model with five subscription tiers plus a virtual currency system (Moments) that applies on top of your subscription. Understanding both layers is essential before choosing a plan — the subscription sets your monthly Moments budget, but individual actions draw from that budget at different rates.

This page gives you the complete pricing picture: tier costs, monthly versus annual savings, what each tier actually unlocks, and the math on how far your Moments stretch across different use patterns.

For a side-by-side upgrade comparison, see the free vs premium comparison. For a full account of what features you're paying for, see the detailed review.

Secrets AI Pricing Overview

All five tiers available as of 2026:

Premium and Ultimate offer quarterly and biannual billing options in addition to monthly and annual. Lite and Plus are monthly or annual only.

What You Get on Each Plan

Free Plan

The free tier is a functional evaluation tool, not a sustainable use case:

• 20 messages per day, maximum 500 characters each
• 200 Moments (one-time starting balance — not monthly)
• Basic short-term memory: last 2–3 exchanges only; no session-to-session continuity
• No image generation
• No video generation
• No voice calls (included in paid tiers)
• Full character library accessible for browsing and basic chat

At 200 Moments, you can generate roughly 4–8 images or perhaps 3–4 short video clips before depleting your starter balance. The 20-message daily limit reaches its ceiling in a single moderately active conversation. Free is enough to test conversation quality and character fit; it is not enough to experience the platform's core value.

Lite Plan ($5.99/month)

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (approximately 14 days)
• Video clip access (3-second clips on Lite)
• Image generation access

Lite is a meaningful step up from Free: message limits increase fivefold, monthly Moments replenish, and the memory extends from session-only to approximately two weeks. The 1,000 monthly Moments, however, deplete quickly if you use video frequently — a single longer video clip can cost 600 Moments, leaving only 400 for everything else that month.

Best for: users who primarily want text conversation with occasional light image use and minimal video.

Plus Plan ($9.99/month)

• Unlimited messages
• 3,000 Moments per month
• Memory: approximately 30 days, topic and tone aware
• Full image generation access
• Full video generation access
• Voice call access

Plus is the recommended tier for most users. The jump from 100 to unlimited messages removes the daily friction entirely. Memory extends to 30 days with qualitative improvement — the AI begins recognizing conversation patterns and stated preferences, not just raw facts. At 3,000 Moments, a casual mix of images and occasional video is financially manageable.

Best for: users wanting a full companion experience without heavy daily media consumption.

Premium Plan ($19.99/month)

• Unlimited messages
• 8,000 Moments per month + 10% bonus on additional purchases
• Unlimited memory with emotional timeline and relationship arc tracking
• Time Machine feature (revisit past conversation states)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost

Premium is the tier where the memory system fully activates. The emotional timeline means the AI tracks relationship history comprehensively — specific moments, emotional patterns, stated preferences — rather than just recent exchanges. The 8,000 Moments allocation is enough for regular media use: approximately 160–320 images or 13 longer video clips or 80 minutes of voice per month.

Best for: users who want persistent, emotionally continuous companion relationships and regular media generation.

Ultimate Plan ($39.99/month)

• Unlimited messages
• 15,000 Moments per month + 15% bonus on additional purchases
• Everything in Premium, plus:
• Group chats: up to 3 AI characters simultaneously
• Personas: identity-switching for roleplay
• 6x memory access multiplier
• +100% context length boost

Ultimate is designed for power users — heavy video creators, users who want group scenarios, or users who simply want maximum headroom without worrying about Moments management. The 15,000 monthly Moments support approximately 25–300 video clips per month depending on length selection.

Best for: heavy video/image creators and users who want group chat capabilities.

Understanding the Moments System

Moments are Secrets AI's in-platform currency. Every action that isn't plain text messaging draws from your Moments balance:

Monthly reset policy: Your included Moments allocation resets each month. Unused Moments do not roll over indefinitely — they expire with your billing cycle.

Additional Moments purchase: Bulk bundles are available separately from your subscription, ranging from 1,980 Moments ($5.99) to 118,800 Moments ($249.99). Higher-volume bundles come with increasing discounts, up to 30.4% off the per-Moment rate.

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

• Path A: ~160–320 images only
• Path B: ~13 longer video clips only
• Path C: ~80 minutes of voice only
• Path D (realistic mix): 100 images + 5 full videos + 30 min voice ≈ 7,500 Moments

Premium users who engage heavily with video should monitor their Moments balance actively, particularly mid-month.

Annual vs Monthly: The Savings Breakdown

Committing to an annual plan saves approximately 33% across all paid tiers:

Premium and Ultimate also offer quarterly ($49.99 / $99.99) and biannual ($89.99 / $179.99) billing, which provide partial savings without a full annual commitment.

Practical recommendation: start on monthly billing for 2–3 months to confirm the plan suits your use pattern, then switch to annual for the savings once you know the tier is right.

Which Plan Is Right for You?

The decision comes down to how you primarily use the platform:

Just exploring the platform → Start with Free (200 Moments to test)

Text-focused, occasional image → Plus ($9.99/month): unlimited messages, 3,000 Moments, 30-day memory

Regular images + some video → Premium ($19.99/month): 8,000 Moments, full memory, premium AI models

Heavy video creation or group chats → Ultimate ($39.99/month): 15,000 Moments, all features unlocked

Budget priority → Lite ($5.99/month): 100 messages/day, 1,000 Moments, 14-day memory

If you're unsure whether you'll use video at all, start with Plus. The 3,000 Moments is enough for regular image use and occasional short video clips, and you can always upgrade if video becomes a primary use case.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted.

Billing appears on bank statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI platforms, or adult content. Subscription cancellations take effect at the end of the current billing period; access continues through the paid period.

No public refund policy details are available. If you have payment disputes, contact support before initiating a chargeback.

For details on the privacy implications of payment choices, the full review and all features overview provide additional context.

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