Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared

Most AI companion platforms hide the real cost behind a deceptively low headline price, then make up the difference through a virtual currency system that drains faster than users expect. Secrets AI is transparent about this structure — but understanding exactly what each plan buys, and what the Moments currency actually costs in practice, requires more than a glance at the pricing page. This guide breaks down every tier, every Moments cost, and the real math behind annual savings.

Secrets AI Pricing Overview

Quarterly and biannual billing options are only available for the two top tiers. The full annual option delivers the steepest discount — 33% savings for Premium and Ultimate compared to month-to-month billing.

What You Get on Each Plan

Free Plan

The free tier exists to let users test the platform before committing financially. In practice, it functions as a limited demo:

• 20 messages per day, hard limit
• 500-character maximum per message
• 200 Moments (one-time starting credit, not recurring)
• Basic short-term memory covering only the last 2-3 exchanges
• No image generation, no video generation
• Full character library accessible for browsing and conversation

The 200 starting Moments are enough for roughly 100-200 text messages at 1-2 Moments each, or approximately 4-8 images at 25-50 Moments each — but no video. Memory resets after every 2-3 exchanges, which means the AI has no context of your previous messages. This makes it adequate for evaluating UI and basic conversation quality, but not for experiencing what makes the platform genuinely useful.

Lite Plan ($5.99/mo)

The Lite tier is the lowest paid option and provides meaningful improvement over the free tier, though it remains constrained for media-heavy users:

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days recall)
• Access to 3-second video clips
• Image generation unlocked

With 1,000 Moments, a user focused on images can generate roughly 20-40 images per month. Video access is limited to short clips (~50 Moments each), meaning approximately 20 short clips per month if Moments are used exclusively on video. Mixing media will require prioritization.

Plus Plan ($9.99/mo)

The Plus plan is the sweet spot for most users — it removes the message cap, provides workable Moments for regular media use, and delivers meaningfully better memory:

• Unlimited messaging
• 3,000 Moments per month
• Improved memory (~30 days, topic + tone awareness)
• Full image and video generation access
• Standard AI models

With 3,000 Moments: approximately 60-120 images per month, or 5 longer video clips (at 600 Moments each), or 30 minutes of voice calls — or a realistic mix of all three for a casual user. The 30-day memory window means conversations carry context across sessions, which is the feature that makes the companion experience feel coherent.

Premium Plan ($19.99/mo)

Premium is the full-experience tier for users who want persistent relationship simulation and regular media generation:

• Unlimited messaging
• 8,000 Moments per month + 10% bonus on Moments top-ups
• Unlimited memory with full history and emotional timeline
• Time Machine feature (revisit earlier conversation points)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost
• Previous conversation recall improved by ~67%

The 8,000 Moments budget supports approximately 160-320 images, or 13 longer video clips, or 80 minutes of voice per month. In practice, most Premium users mix media: 100 images + 5 videos + 30 minutes voice consumes roughly 7,500 Moments — comfortably within the monthly allocation.

The emotional timeline memory is the defining upgrade here. On Premium, the AI builds a persistent understanding of your relationship dynamics, stated preferences, and key conversation moments — the closest thing to genuine continuity the platform offers.

Ultimate Plan ($39.99/mo)

Ultimate adds power-user features on top of everything in Premium:

• Unlimited messaging
• 15,000 Moments per month + 15% bonus on top-ups
• Group chats: up to 3 AI characters simultaneously
• Personas: identity-switching for roleplay
• 6x memory access multiplier
• +100% context length boost

Group chats and personas are exclusively available at this tier. The 15,000 Moments allocation supports approximately 25 longer video clips or 300-600 images per month — more than enough for heavy creative users. The 15% top-up bonus also makes additional Moments purchases more economical.

Understanding the Moments System

Moments are the platform's virtual currency. Every media action costs Moments regardless of your subscription tier:

Pro Tip: Video clips are the highest per-unit Moments cost on the platform. If you're on Plus (3,000 Moments/month) and generate 5 long videos (3,000 Moments total), you have nothing left for images or voice. Plan your Moments budget before spending — short clips at ~50 Moments each stretch significantly further.

Bulk Moments purchases are available separately from subscriptions:

• Smallest bundle: 1,980 Moments for $5.99
• Largest bundle: 118,800 Moments for $249.99
• Bulk discounts reach up to 30.4% on larger purchases

Monthly Moments allocations reset each billing cycle — unused Moments do not carry over. This means end-of-month spending is worth considering if you have a Moments surplus.

Annual vs Monthly — Savings Breakdown

The savings percentage is identical across all tiers at 33%. For Premium specifically, annual billing saves $79.92 per year compared to month-to-month ($159.99 annual vs $239.88 monthly). For Ultimate, annual billing saves $159.96 per year.

Quarterly and biannual options for Premium and Ultimate offer intermediate savings:

• Premium quarterly: $16.67/mo (17% savings vs monthly)
• Premium biannual: $15.00/mo (25% savings vs monthly)

Which Plan Is Right for You?

The right plan depends on how you intend to use the platform:

Just exploring or testing: Free tier. The 200 starting Moments and 20 daily messages give you a working sense of the interface and basic conversation quality.

Text-focused casual user: Plus at $9.99/month. Unlimited messaging, 30-day memory, and enough Moments for light image generation make this the most sensible entry point for regular use.

Regular image generation + occasional video: Premium at $19.99/month. The 8,000 Moments budget comfortably covers a realistic mixed-media usage pattern, and the unlimited emotional timeline memory is a genuine quality improvement.

Heavy video and image creator: Ultimate at $39.99/month. If you're generating multiple long video clips weekly, the 15,000 Moments allocation and 15% top-up bonus make Ultimate the only tier that won't drain mid-month.

For a side-by-side look at what each tier unlocks versus the free plan, see the free vs premium comparison.

Payment Methods and Billing

• Accepted: Visa, Mastercard, virtual debit cards, cryptocurrency (minimum $20 transaction)
• Not accepted: American Express
• Billing descriptor on statements: "Sun Clinical Laboratories" — no reference to AI, adult content, or Secrets AI by name
• Subscriptions can be cancelled at any time; access continues through the end of the paid billing period
• No public refund policy details are available — contact support before subscribing if this is a concern

Cryptocurrency payments provide the highest billing privacy alongside the discreet statement descriptor. For users concerned about payment footprint, this is the most private option.

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