Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The subscription price is only half of what you will spend. Secrets AI runs on a Moments virtual currency system layered on top of the monthly fee — and if you go in without understanding it, video and voice calls will exhaust your balance faster than you expect. This breakdown covers every tier, every Moments cost, and the real math on what each plan actually buys you.
Current pricing as of 2026 — verify current rates on the official site before subscribing.
Secrets AI Pricing Overview
Five tiers. Monthly billing with significant annual discounts. All prices in USD.
| Plan | Monthly | Quarterly | Biannual | Annual (per mo) | Moments/mo |
|---|---|---|---|---|---|
| Free | $0 | — | — | — | 200 (one-time) |
| Lite | $5.99 | — | — | $4.00 | 1,000 |
| Plus | $9.99 | — | — | $6.67 | 3,000 |
| Premium | $19.99 | — | — | $13.33 | 8,000 + 10% bonus |
| Ultimate | $39.99 | — | — | $26.67 | 15,000 + 15% bonus |
Quarterly and biannual billing options exist as middle-ground commitments between monthly and annual. Annual plans save 33% across all paid tiers — the highest savings available.
What You Get on Each Plan
Free Plan
The free tier is designed to let you evaluate the interface and conversation quality — it is not a functional product for ongoing use.
- Messages per day: 20
- Message length: 500 characters maximum
- Moments: 200 starting allocation (one-time, not monthly)
- Memory: Last 2-3 exchanges only — resets almost every response
- Image generation: Not available
- Video generation: Not available
- Voice calls: Not available
200 Moments covers roughly 4 images OR a few minutes of text conversation using Moments for extras. Once spent, they are gone — there is no monthly refresh on the free tier. The 20-message daily cap and 500-character limit mean most conversations hit a wall within the first session.
Lite Plan ($5.99/mo)
The entry point for functional use. Removes the worst free-tier restrictions but still constrains power users.
- Messages per day: 100
- Moments/month: 1,000
- Memory: ~14 days basic long-term recall
- Video: 3-second clips only (not full-length)
- Image and voice: Available
1,000 Moments per month is workable for text-focused users who generate an image occasionally. It is tight for regular video use — a single full video clip costs up to 600 Moments, which would consume more than half the monthly allocation in one clip.
Plus Plan ($9.99/mo)
The sweet spot for most users. This is where the platform becomes genuinely functional.
- Messages per day: Unlimited
- Moments/month: 3,000
- Memory: ~30 days with topic and tone awareness
- Video: Full video generation available
- Image and voice: Available
Unlimited messaging removes the most frustrating free-tier limitation. 3,000 Moments per month supports casual media use — roughly 60-120 images, or 5 full video clips, or 30 minutes of voice, or a mix. The 30-day memory recall creates a real sense of continuity in conversations.
Premium Plan ($19.99/mo)
The full experience. This tier is where Secrets AI's memory system becomes a genuine product differentiator.
- Messages per day: Unlimited
- Moments/month: 8,000 + 10% bonus (8,800 effective)
- Memory: Unlimited with emotional timeline + Time Machine
- Context length: +60% boost
- Memory access: 4x multiplier
- Premium AI models: Yes
- Video: Full generation with advanced model
The emotional timeline tracks the arc of your relationship with the AI companion — significant moments, evolving dynamics, emotional callbacks. Time Machine lets you revisit past conversation threads. These are not marketing terms; they represent a measurable improvement in how the AI references and builds on past interactions.
8,800 effective Moments per month supports: approximately 160-320 images, OR approximately 13-15 full video clips, OR approximately 88 minutes of voice. Heavy users will still feel constrained on Premium if they use video as their primary feature.
Ultimate Plan ($39.99/mo)
Built for power users who want everything, including features unavailable at any lower tier.
- Messages per day: Unlimited
- Moments/month: 15,000 + 15% bonus (17,250 effective)
- Memory access: 6x multiplier
- Context length: +100% boost
- Group chats: Up to 3 AI characters simultaneously
- Personas: Identity-switching in roleplay
- Advanced models: Yes
17,250 Moments per month supports approximately 25-345 full video clips depending on clip length. This is the only tier where heavy video creators will not hit Moments walls regularly. Group chats and Personas are Ultimate-exclusive features unavailable at any other tier.
Understanding the Moments System
Moments are the secondary currency that funds every media action on the platform. Here is the cost table for every feature:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Manual memory save | 10 Moments |
| Image generation | 25-50 Moments |
| Short video clip (3-second) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| New custom character | 1,000-1,500 Moments |
Critical detail: Moments do not roll over. Any unused balance at the end of your billing cycle is forfeit. Plan your usage accordingly — do not buy a top-up at the end of the month if your cycle resets in days.
Top-up bundles (for purchasing additional Moments beyond your plan allocation):
- 1,980 Moments: $5.99
- Scales up to 118,800 Moments: $249.99
For a deep dive into which features drain Moments fastest, the complete feature breakdown includes real usage calculations.
Annual vs Monthly — Savings Breakdown
| Plan | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | $23.88/year (33%) |
| Plus | $9.99 | $6.67 | $39.84/year (33%) |
| Premium | $19.99 | $13.33 | $79.92/year (33%) |
| Ultimate | $39.99 | $26.67 | $159.84/year (33%) |
The 33% annual discount applies uniformly across all tiers. On Premium, that is nearly $80 saved per year. On Ultimate, $160. The recommendation: start monthly, evaluate after 2-3 months, switch to annual if you are satisfied. Cancellation terminates access at the end of the billing period — you do not lose time you have already paid for.
Which Plan Is Right for You?
The honest decision guide, based on actual usage patterns:
- Just exploring: Free tier (200 Moments gives you 1-2 real sessions to evaluate chat quality and UI)
- Text-focused casual user: Plus at $9.99/mo — unlimited messages, 3,000 Moments, 30-day memory
- Regular image user + occasional video: Premium at $19.99/mo — 8,800 Moments, unlimited memory, emotional timeline
- Heavy video creator: Ultimate at $39.99/mo — 17,250 Moments, group chats, maximum context
- Tightest possible budget test: Lite at $5.99/mo — but be aware that 3-second video clips and 14-day memory are real limitations
Skip Lite unless you are specifically budget-constrained and primarily want text chat. The gap between Lite and Plus ($4.00 difference monthly) is the highest value-per-dollar jump in the tier structure.
For a comparison with what you get on the free tier versus any paid plan, the free vs premium breakdown makes the upgrade case in specific terms.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
Not accepted: American Express
Billing discretion: All charges appear on bank and credit card statements as "Sun Clinical Laboratories" — no AI, companion, or adult content branding. This is designed for users who want financial privacy regarding their subscription.
Cancellation policy: Cancel anytime. Access continues through the end of the paid billing period. No prorated refunds for partial months. Publicly available refund policy details are limited — if refund terms matter to you, contact support before subscribing.
Cryptocurrency payments are available for users who want complete payment anonymity. The $20 minimum means this option is practical for monthly subscriptions at most tiers.
FAQ
Yes, with severe limitations. The free tier gives you 200 Moments (one-time, not monthly), 20 messages per day, and memory that resets after 2-3 exchanges. It is sufficient to evaluate the chat quality and interface for 1-2 sessions. It is not sufficient for ongoing use — there is no monthly Moments refresh, no media generation, and no real memory continuity. After the 200 Moments are spent, you have to choose between stopping or upgrading.
Yes. Moments top-up bundles are available for purchase separately from your subscription tier. The smallest bundle starts at 1,980 Moments for $5.99. The largest available bundle is 118,800 Moments for $249.99. Top-up Moments follow the same no-rollover rule — they expire at the end of your current billing cycle, so time purchases to your cycle reset.
No. Unused Moments from your monthly allocation expire at the end of each billing cycle. This applies to both plan-included Moments and any top-up Moments you purchase. Track your balance and plan usage toward the end of each cycle to avoid waste.
Charges appear as "Sun Clinical Laboratories" on bank statements, credit card statements, and any payment records. There is no reference to Secrets AI, AI companion, girlfriend, or any adult content in the billing descriptor. Cryptocurrency payment is also available for complete payment privacy with a $20 minimum transaction.