Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The first thing to understand about Secrets AI pricing: the subscription fee is only part of the cost. Every plan comes with a monthly allocation of Moments — the platform's virtual currency — and understanding what Moments cost per action is just as important as knowing your subscription rate.
This guide covers all five pricing tiers, the Moments system in plain terms, the real math of media generation costs, and how to choose the plan that actually matches how you'll use the platform.
Complete Pricing Overview
| Plan | Monthly | Quarterly | Biannual | Annual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $49.99 ($16.67/mo) | $89.99 ($15.00/mo) | $159.99 ($13.33/mo) |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $319.99 ($26.67/mo) |
The annual discount is approximately 33% off monthly pricing across all paid tiers. Premium and Ultimate also offer quarterly ($49.99 and $99.99) and biannual ($89.99 and $179.99) payment options as middle-ground commitments.
What Each Plan Actually Includes
Free Plan
The free tier is real — no credit card required, no time limit. What you get:
- 20 messages per 24-hour period
- 500-character maximum per message
- 200 Moments as a starting credit (one-time, not monthly)
- Basic short-term memory (last 2–3 exchanges only)
- Full access to browse the character library
- No image or video generation capability
In practice, 200 Moments can generate roughly 4–8 images or a handful of text interactions with media elements. Once those run out, the free experience is text-only. The 20-message daily cap limits how deep any single conversation can go.
The free tier answers the question "is this platform worth my money?" — it is not designed to be a permanent use case.
Lite Plan — $5.99/month
The first paid tier makes meaningful improvements:
- 100 messages per day (5x increase over free)
- 1,000 Moments per month (recurring)
- Basic long-term memory (approximately 14 days of recall)
- Access to 3-second video clips (the video feature unlocks at this tier)
- Full image generation access
The Lite plan works for users whose primary use is text conversation with occasional image generation. The 1,000 Moments monthly allocation supports roughly 20–40 images per month, or 20 short video clips — but not both simultaneously in volume. Annual pricing brings this down to $4.00/month.
Plus Plan — $9.99/month
Most users who ask "what plan should I get?" land here, and it's a reasonable recommendation:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory: approximately 30-day recall with topic and tone awareness
- Full image and video generation access
- Access to premium AI models
The jump from Lite to Plus is substantial in practice. Unlimited messaging removes the friction of managing a daily count. 3,000 Moments supports roughly 60–120 images or 5 longer video clips per month — enough for casual media use alongside regular conversation. Annual pricing: $6.67/month.
Premium Plan — $19.99/month
The Premium tier is where the platform's full capability becomes accessible:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on additional Moments purchases
- Unlimited memory with full emotional timeline
- Time Machine feature (revisit and resume past conversations)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall approximately 67% more effective
At 8,000 Moments, the math becomes genuinely flexible: approximately 160–320 images per month, or 13 longer video clips, or 80 minutes of voice calls — or a mix of all three. The emotional timeline memory and Time Machine are significant upgrades for users building long-term companion relationships. Annual rate: $13.33/month.
Ultimate Plan — $39.99/month
The highest tier, built for heavy usage:
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on additional purchases
- All Premium memory features
- 6x memory access multiplier
- +100% context length boost
- Group chats (up to 3 characters simultaneously)
- Personas (identity-switching for roleplay)
The Moments allocation alone makes the math work for daily video generation: approximately 25 short clips or 300 longer ones per month, depending on mix. The group chat and persona features are exclusive to this tier. Annual rate: $26.67/month.
Understanding the Moments System
Moments are the in-platform currency that controls access to media generation and certain premium interactions. Unlike the subscription fee, Moments get consumed with use.
Cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video (3s) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments/minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000–1,500 Moments |
Key policy: Moments do not roll over. Monthly allocations reset at the start of each billing cycle. Unused Moments are lost. This matters most for users on higher tiers who may not use their full allocation every month.
Buying additional Moments:
| Bundle | Price | Per-Moment Cost |
|---|---|---|
| 1,980 Moments | $5.99 | $0.00302 |
| Mid-tier bundles | Varies | Discounts apply |
| 118,800 Moments | $249.99 | ~30.4% discount |
Premium and Ultimate subscribers receive an additional 10% or 15% bonus on top-up purchases, making bulk buying more economical at those tiers.
Annual vs Monthly: Real Savings Numbers
| Plan | Monthly Cost | Annual Cost/mo | Annual Savings |
|---|---|---|---|
| Plus | $9.99 | $6.67 | ~$39.84/year |
| Premium | $19.99 | $13.33 | ~$79.92/year |
| Ultimate | $39.99 | $26.67 | ~$159.84/year |
The 33% annual savings is consistent and meaningful. On the Ultimate plan, committing annually saves approximately $160 over 12 months compared to month-to-month billing.
Recommended approach: Try a monthly subscription first. If you're still actively using the platform after 2–3 months, switch to annual billing at renewal for the immediate discount.
Real Media Math: What Your Moments Actually Buy
Premium plan (8,000 Moments/month):
- Text-only use: 4,000–8,000 messages (effectively unlimited)
- Image focus: 160–320 images
- Video focus: ~13 full-length video clips
- Voice focus: ~80 minutes of voice calls
- Mixed realistic use (100 images + 5 videos + 30 min voice): ~7,500 Moments
Plus plan (3,000 Moments/month):
- Image focus: 60–120 images
- Video focus: ~5 full-length clips
- Voice focus: ~30 minutes of voice calls
- Mixed (40 images + 2 videos + 10 min voice): ~3,250 Moments (slightly over — one fewer video)
The math reveals the constraint: video is expensive. If you generate multiple full-length video clips per week, you will exhaust Plus-tier Moments before the month ends. Heavy video users should budget for Ultimate or plan to purchase additional Moments.
Which Plan Is Right for You?
Just exploring: Start with the Free tier. 200 Moments and 20 messages/day is enough to evaluate the conversation quality and UI. No commitment required.
Text-focused casual use: Plus at $9.99/month. Unlimited messages, 3,000 Moments for occasional images, and 30-day memory make this the minimum viable paid experience.
Regular image generation: Premium at $19.99/month. The 8,000 Moments allocation supports consistent image use, and the unlimited memory system meaningfully improves relationship depth.
Heavy video and image creation: Ultimate at $39.99/month. The 15,000 Moments, 15% top-up bonus, group chats, and personas justify the price for power users.
For a comparison of what you gain at each upgrade, see free vs premium. For feature details by tier, see the full feature guide.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express.
Charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI platforms, girlfriend apps, or adult content. Cryptocurrency payments provide maximum billing privacy for users who prefer it.
Cancellation takes effect at the end of the current billing period — you retain access through the date you paid for. No automatic refund policy is publicly documented; if you have billing concerns, contact support directly.
Frequently Asked Questions
Yes. The Free tier requires no payment and no credit card. You receive 200 Moments as a starting credit and can send 20 messages per day indefinitely. The free experience is limited — 200 Moments does not support sustained media generation, and the 2–3 exchange memory window means conversations do not build continuity. It functions well as a trial but is not designed as a permanent usage model. The full review covers what the free tier is actually good for.
Yes. Moments can be purchased as standalone bundles regardless of your current subscription tier. Bundles start at $5.99 for 1,980 Moments and scale up to $249.99 for 118,800 Moments, with volume discounts of up to 30.4% on larger purchases. Premium subscribers get a 10% bonus on top-ups; Ultimate subscribers get 15%. This means upgrading to Premium also reduces the effective cost of any additional Moments you buy.
No. Monthly Moments allocations reset at the start of each billing cycle, and unused credits are lost. This makes it worth calibrating your plan to your actual usage — over-paying for Moments you will not use is a common mistake. If you find yourself consistently not using your monthly allocation, downgrading one tier may give you better value.
Charges appear as "Sun Clinical Laboratories." There is no reference to Secrets AI, artificial intelligence, girlfriend platforms, or adult content in the billing descriptor. For users who want even greater payment privacy, cryptocurrency payments (minimum $20 transaction) are accepted. Visa, Mastercard, and virtual debit cards are all supported. American Express is not accepted.