Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI pricing operates on two layers: the subscription tier that determines your monthly Moments allocation and message limits, and the Moments system itself that charges for every media action. Understanding both layers before subscribing prevents budget surprises — especially for users who plan to use video generation, which consumes Moments at 10-60x the rate of text messaging.
Secrets AI Pricing Overview
Five subscription tiers are available. The table below shows all billing periods:
| Tier | Monthly | Annual (per mo) | Quarterly (per mo) | Biannual (per mo) |
|---|---|---|---|---|
| Free | $0 | — | — | — |
| Lite | $5.99 | $4.00 | — | — |
| Plus | $9.99 | $6.67 | — | — |
| Premium | $19.99 | $13.33 | $16.67 | $15.00 |
| Ultimate | $39.99 | $26.67 | $33.33 | $30.00 |
Annual billing saves approximately 33% on Premium and Ultimate. Lite and Plus are only available as monthly or annual options. Premium and Ultimate add quarterly ($49.99 and $99.99 respectively) and biannual ($89.99 and $179.99) billing cycles as intermediate commitment options.
What You Get on Each Plan
Free Plan
The free tier provides enough access to evaluate the platform but is not designed as a long-term option:
- 20 messages per day (500-character maximum per message)
- 200 Moments as a one-time starting credit — not refreshed monthly
- Basic short-term memory: last 2-3 exchanges only
- Access to the full character library (browse and chat)
- No image or video generation capability
The 200 starting Moments can generate approximately 4-8 images, or disappear in a few minutes of voice calling. Once depleted, free users cannot generate any media without upgrading. The 20-message daily limit and memory reset after 2-3 exchanges make ongoing relationship simulation impossible at this tier.
Lite Plan ($5.99/mo)
Lite is the entry-level paid option, primarily suited to text-focused users who want more conversation without committing to a larger monthly spend:
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days)
- 3-second video clips (short format only)
The 1,000 Moments allocation is workable for text conversations and light image generation, but video users will find it insufficient — even 3-second clips at ~50 Moments each leave room for only ~20 clips per month before exhaustion.
Plus Plan ($9.99/mo)
Plus is the sweet spot for most users and the most commonly recommended starting tier:
- Unlimited messaging (no daily cap)
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone awareness)
- Full image and video generation access
- Access to all standard AI models
At 3,000 Moments, a typical Plus user can generate approximately 60-120 images per month, or 5 longer videos, or 30 minutes of voice calls — or a mix. Unlimited messaging removes the daily restriction that makes free tier conversations feel clipped. The 30-day memory window means the AI maintains conversational continuity between sessions, a significant quality improvement over Lite.
Premium Plan ($19.99/mo)
Premium unlocks the full depth of the platform's memory and AI capabilities:
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on Moments top-ups
- Unlimited memory with full emotional timeline
- Time Machine feature (revisit and branch earlier conversations)
- Premium AI models
- 4x memory access multiplier
- +60% context length boost
- Previous conversation recall at ~67% efficiency
The emotional timeline system tracks relationship dynamics, personality signals, and significant conversational moments with selective prioritization. The context length boost (+60%) allows the AI to reference more of the conversation in each response, which reduces mid-session memory drops during complex roleplay.
Premium is the right tier for users who want genuine relationship simulation rather than one-session entertainment.
Ultimate Plan ($39.99/mo)
Ultimate adds group chat and persona capabilities on top of the Premium feature set:
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on Moments top-ups
- Everything in Premium, plus:
- Group chats with up to 3 AI characters simultaneously
- Personas (identity-switching feature for roleplay)
- 6x memory access multiplier
- +100% context length boost
- Previous conversation recall at +100% efficiency
At 15,000 Moments per month, Ultimate users can generate approximately 25 full-length videos per month while still having Moments remaining for images and messaging. The group chat feature is exclusive to this tier. For users who do not need group chats or heavy video generation, Premium offers comparable quality at half the price.
Understanding the Moments System
Moments are Secrets AI's internal virtual currency. Every subscription tier receives a monthly allocation; additional Moments can be purchased separately. Monthly allocations reset each billing cycle — unused Moments do not carry over.
Cost per action:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3 sec) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| Custom character creation | 1,000-1,500 Moments (first is free) |
Practical math on Premium (8,000 Moments/month):
- Text-only use: thousands of messages — effectively unlimited
- Images only: ~160-320 images
- Videos only: ~13 full-length video clips
- Voice only: ~80 minutes
- Mixed realistic use (100 images + 5 videos + 30 min voice): ~7,500 Moments
Bulk Moments top-up pricing:
Moments can be purchased in bundles independently of subscription tier, ranging from 1,980 Moments for $5.99 to 118,800 Moments for $249.99. Bulk purchases offer discounts of up to 30.4% on a per-Moment basis. Premium and Ultimate subscribers receive an additional 10% and 15% bonus on top-ups respectively.
Annual vs Monthly — Savings Breakdown
Committing to annual billing reduces monthly costs by approximately 33% across all tiers:
| Tier | Monthly Cost | Annual Monthly Cost | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00 | ~33% |
| Plus | $9.99 | $6.67 | ~33% |
| Premium | $19.99 | $13.33 | ~33% |
| Ultimate | $39.99 | $26.67 | ~33% |
The savings are consistent across tiers. The strategic question is whether you know your usage patterns well enough to commit for a year. The recommended approach: use Plus monthly for 2-3 months to establish a Moments consumption baseline, then switch to annual billing once you know which tier matches your actual usage.
Which Plan Is Right for You?
The decision maps cleanly to usage patterns:
- Just exploring, no commitment: Free (200 Moments, 20 messages/day, evaluate the interface)
- Primarily text conversations: Plus ($9.99) — unlimited messaging, 30-day memory, no media pressure
- Regular images, occasional video: Premium ($19.99) — 8,000 Moments and full memory system
- Heavy video creation or group scenarios: Ultimate ($39.99) — 15,000 Moments, group chats, personas
- Budget-constrained, moderate use: Lite ($5.99) — 100 messages/day, 1,000 Moments, basic memory
For a side-by-side feature comparison across all tiers, the free vs premium comparison covers every differentiator in a single table. For context on how the pricing compares to competitor platforms, see the alternatives overview.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Charges appear on bank statements as "Sun Clinical Laboratories" — the descriptor contains no reference to AI, adult content, or the platform name. Cryptocurrency payments provide the highest level of billing anonymity.
Subscriptions can be cancelled at any time. Access continues through the end of the current billing period. No publicly documented refund policy exists — treat subscription charges as non-refundable until confirmed otherwise with the platform's support team.
For the full breakdown of what each tier includes in the context of our platform test, see the detailed review.
FAQ
Yes, Secrets AI has a genuinely free tier with no credit card required. It provides 20 messages per day and a 200 Moments starting balance to test the platform. The free tier gives enough access to evaluate conversation quality and browse the character library, but the 200 Moments are a one-time allocation — they do not refresh monthly. Once depleted, free users cannot generate images or videos without upgrading.
Yes. Moments top-up bundles are available for purchase independently of your subscription tier. Bundles range from 1,980 Moments ($5.99) to 118,800 Moments ($249.99). Premium subscribers receive a 10% bonus on top-ups; Ultimate subscribers receive 15%. Buying Moments individually is more expensive per Moment than upgrading to a higher subscription tier — but it works as a one-time supplement without committing to a higher monthly cost.
No. Monthly Moments allocations reset at the start of each billing cycle. Any unused Moments from the previous month are forfeited. Separately purchased Moments top-up bundles do not follow the same reset rule — confirm the expiry terms for top-up purchases at the time of purchase.
All Secrets AI charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to the platform name, AI services, or adult content in the billing descriptor. Cryptocurrency is also accepted as a payment method for users who want no transaction record linking to a card statement.