Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI runs five pricing tiers from $0 to $39.99 per month. The difference between those endpoints is not cosmetic — Free gives you 20 messages a day and no media generation; Ultimate gives you 15,000 Moments monthly, group chats with three simultaneous AI companions, and a context length doubled compared to the base plan. Choosing the wrong tier means either overpaying or running out of Moments mid-month.
This page breaks down exactly what each plan includes, calculates the real cost of media generation in Moments, and tells you which tier makes sense for which use pattern.
⚠️ Pricing verified as of early 2026. Confirm current rates at the official site before subscribing. No refund policy details are publicly documented.
Secrets AI Pricing Overview
| Tier | Monthly | Quarterly | Biannual | Annual (per month) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | — | — | $4.00 |
| Plus | $9.99 | — | — | $6.67 |
| Premium | $19.99 | $16.67 | $15.00 | $13.33 |
| Ultimate | $39.99 | $33.33 | $30.00 | $26.67 |
Premium and Ultimate offer the most billing flexibility — four billing cycle options from monthly down to annual. Lite and Plus are available monthly or annually. The annual rate for both Premium and Ultimate represents a 33% discount versus monthly billing.
For a detailed comparison of what changes between free and paid tiers beyond pricing, the free vs premium comparison covers that analysis.
What You Get on Each Plan
Free Plan
The free plan exists to let you evaluate the platform before committing. What it includes: 20 messages per day, a 500-character limit per message, 200 starting Moments (one-time grant, not recurring), basic short-term memory covering the last 2-3 exchanges only, and access to the full character library for browsing and chat initiation.
What is absent: image generation, video generation, voice calls, and any meaningful memory continuity. The 200 starting Moments will cover roughly 4 images — enough to see what the generation looks like — but they are not replenished monthly. After that initial grant, you cannot generate media without upgrading or purchasing Moments separately.
The free tier answers one question well: is the conversation quality worth paying for? It answers little else.
Lite Plan ($5.99/mo)
Lite raises the daily message cap to 100 and provides 1,000 Moments per month. Memory extends to approximately 14 days of basic long-term recall. Short 3-second video clips become accessible on this tier.
The 1,000 monthly Moments translates to roughly 20-40 images, 20 short (3-second) video clips, or 10 minutes of voice calls — not all three. Lite users who want regular media generation will feel the constraint. The plan serves text-focused users who want conversation continuity without the free plan's hard daily cap.
Plus Plan ($9.99/mo)
Plus is the recommended starting point for most users. Messaging becomes unlimited. The Moments allocation jumps to 3,000 per month. Memory extends to roughly 30 days with topic and tone awareness — the AI begins to remember not just facts but the emotional register of your interactions. Full image and video generation access opens up.
Three thousand Moments monthly covers approximately 60-120 images, 5 long video clips (at 600 Moments each), or 30 minutes of voice calls — or a reasonable mix of all three. Users who engage with media features regularly will find Plus workable without running dry before month's end.
Premium Plan ($19.99/mo)
Premium unlocks the platform's full memory architecture: unlimited recall, an emotional timeline that tracks the relationship arc across all conversations, Time Machine for revisiting past conversation states, 4x memory access multiplier, and a 60% increase in context length per session.
The Moments allocation is 8,000 per month with a 10% bonus on any top-up purchases. Premium also unlocks the advanced AI models that produce demonstrably stronger conversational output. This tier is built for users who want the AI companion experience to feel persistent and continuous — where the AI remembers what you told it three months ago and responds with that context.
Ultimate Plan ($39.99/mo)
Ultimate includes everything in Premium and adds: 15,000 Moments monthly with a 15% top-up bonus, group chats with up to three simultaneous AI companions, persona switching for roleplay, 6x memory access multiplier, and a 100% context length boost over baseline.
The group chat and persona features are Ultimate-exclusive and have no equivalent on any lower tier. Whether they justify the $20 premium over Premium depends entirely on whether multi-character scenarios are part of your use pattern. For most users, they are not — in which case Premium delivers better value.
Understanding the Moments System
Moments are the platform's internal currency for all media generation and certain account management functions. Every paid tier receives a monthly Moments grant that resets at the billing cycle. Unused Moments do not carry over indefinitely.
Cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Long video clip | ~600 Moments |
| Voice call | 100 Moments/minute |
| Manual memory save | 10 Moments/entry |
| New character creation | 1,000-1,500 Moments |
Bulk Moments purchases are available separately from subscription tiers, ranging from 1,980 Moments for $5.99 up to 118,800 Moments for $249.99. Bulk purchases include discounts up to 30.4% at higher volumes.
Practical Moments math for Premium users (8,000 Moments/month):
- Text-only: effectively unlimited (1-2 Moments per message)
- Image-heavy: approximately 160-320 images per month
- Video-heavy: approximately 13 long video clips per month
- Mixed (100 images + 5 long videos + 30 min voice): approximately 7,500 Moments used
Video is by far the most Moments-intensive feature. Users who generate long video clips regularly will exhaust even the Ultimate allocation if not managed carefully.
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | $23.88 |
| Plus | $9.99 | $6.67 | $3.32 | $39.84 |
| Premium | $19.99 | $13.33 | $6.66 | $79.92 |
| Ultimate | $39.99 | $26.67 | $13.32 | $159.84 |
The 33% annual discount on Premium and Ultimate is substantial enough to justify choosing annual billing if you are confident in your intended use pattern. The recommendation is to run monthly for two or three months to confirm usage patterns, then switch to annual.
Quarterly ($16.67/mo for Premium) and biannual ($15.00/mo for Premium) options provide intermediate savings for users who want commitment flexibility.
Which Plan Is Right for You?
You are exploring the platform for the first time: Start with the free tier. The 200 starting Moments and 20 daily messages are enough to evaluate whether the conversation quality meets your expectations before spending anything.
You primarily want text-based conversation with some image access: Plus at $9.99/month covers this completely. Unlimited messaging, 3,000 Moments, and 30-day memory recall is a workable setup for text-plus-light-media users.
You want the full memory and relationship continuity experience: Premium at $19.99/month. The emotional timeline, Time Machine, and unlimited recall are what make long-term companion simulation work properly.
You generate significant amounts of video content or want group chats: Ultimate at $39.99/month. The 15,000 Moments allocation and 15% top-up bonus make heavy video generation viable.
For the broader analysis of platform value, the detailed review covers where Secrets AI performs well and where it falls short. For a comparison with similar platforms at lower price points, see cheaper alternatives.
Payment Methods and Billing
Accepted payment methods: Visa, Mastercard, virtual debit cards, and cryptocurrency (minimum $20 transaction for crypto). American Express is not accepted.
Billing discretion is well-managed: charges appear as "Sun Clinical Laboratories" on bank statements and credit card statements. There is no reference to AI, adult content, or the Secrets AI platform name in any billing descriptor.
Subscriptions can be cancelled at any time; access continues through the end of the current billing period. No refund policy details are publicly available — assume no refunds once a billing period begins.
FAQ
Yes. Secrets AI has a free tier that requires no payment or credit card. The free plan includes 20 messages per day and 200 starting Moments. The limitations make it unsuitable for extended use — it functions as a trial rather than a full product — but it requires no financial commitment to evaluate.
Yes. Moments can be purchased separately from subscription plans in bundles starting at 1,980 Moments for $5.99. Bulk pricing improves at higher volumes, up to 30.4% discount on the largest bundle (118,800 Moments for $249.99). This is useful if you are on Plus but occasionally want more media generation without committing to Premium.
Monthly Moments grants from subscription tiers do not roll over indefinitely — they reset at the billing cycle. Separately purchased Moments bundles may have different expiry terms. If you are near the end of a billing cycle with remaining Moments, use them or lose them.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to AI services, adult content, or the platform name in the billing descriptor. Cryptocurrency payment provides additional privacy for users who prefer no card statement record.