Secrets AI Pricing: No Hidden Costs, No Surprises — Just Numbers
The price tag on any Secrets AI plan tells you the baseline monthly cost. What it doesn't tell you is how fast the Moments system — the in-app currency that powers every media feature — can exceed your expectations if you don't plan for it. This page covers both layers of the pricing structure completely.
The full platform review provides context on what each tier delivers in practice. The complete feature guide shows what each feature costs to use.
The Five Pricing Tiers
Free — $0
No credit card. No expiration. What you get:
- 20 messages per day (hard cap)
- 500-character message maximum
- 200 Moments as a one-time starting credit
- Memory: last 2-3 exchanges only
- Character library: full browse and chat access
- No image generation, no video, no voice calls
The 200 starting Moments function as a preview balance. They're enough for 4-8 images once you're on a paid plan — but image and video generation aren't available on free anyway. Text messages cost 1-2 Moments each, so your free balance funds approximately 100-200 messages beyond the daily cap after an upgrade.
Lite — $5.99/month ($4.00/month annually)
Lite is where the platform becomes usable:
- 100 messages per day
- 1,000 Moments per month
- Memory covering approximately 14 days
- 3-second video clips available (Lite minimum for video access)
- Image generation enabled
At 1,000 Moments/month, you're managing a tight budget. Rough allocation: 1,000 Moments funds about 20-40 images, or 2-20 short video clips, or approximately 10 minutes of voice calls — but not a meaningful combination of all three. Prioritize based on what you actually want from the platform.
Plus — $9.99/month ($6.67/month annually)
Plus removes the single most frustrating constraint of lower tiers — the daily message cap:
- Unlimited messages per day
- 3,000 Moments per month
- Memory covering approximately 30 days with topic and tone awareness
- Full video and image generation access
- Access to all standard AI models
The jump from 100 messages/day to unlimited is larger than it sounds. Combined with 3,000 Moments and 30-day memory, Plus delivers a complete platform experience. This is the tier most users should start on.
At $9.99/month or $6.67 annually, it's the clear value anchor in the pricing stack.
Premium — $19.99/month ($13.33/month annually)
Premium unlocks the full memory system — and this is the upgrade that changes the qualitative nature of the companion relationship:
- Unlimited messages
- 8,000 Moments per month + 10% bonus on additional top-up purchases
- Unlimited memory with emotional timeline tracking
- Time Machine (revisit and branch from past conversations)
- Premium AI models
- 4x memory access multiplier
- +60% context length
The emotional timeline and Time Machine transform Secrets AI from a recurring chatbot experience into something that functions more like an ongoing relationship. The AI remembers the full arc of your interactions, not just recent exchanges.
8,000 Moments per month is where media use becomes genuinely sustainable: roughly 160-320 images, or 13 full video clips, or 80 minutes of voice calls — or a practical mix of all three.
Ultimate — $39.99/month ($26.67/month annually)
Ultimate adds group and persona features that are unavailable at any other tier:
- Unlimited messages
- 15,000 Moments per month + 15% bonus on top-ups
- Everything in Premium
- Group chats with up to 3 AI characters simultaneously
- Personas (identity-switching for complex roleplay)
- 6x memory access multiplier
- +100% context length
Group chats and Personas are exclusive to Ultimate — they're not available through Moments purchases or any lower subscription. If those features are part of your intended use, Ultimate is the only path.
For users who don't need group features, Premium at half the price delivers equivalent conversation quality and memory.
The Moments System: Per-Action Cost Reference
Moments are the internal currency for everything beyond plain text chat.
How much each action costs:
- Text message: 1-2 Moments (negligible)
- Image generation: 25-50 Moments
- Short video clip (3 seconds): approximately 50 Moments
- Full/longer video clip: approximately 600 Moments
- Voice call: 100 Moments per minute
- Manual memory save: 10 Moments
- New custom character: 1,000-1,500 Moments (first character free)
Monthly Moments reset. Plan allocations clear at the start of each billing cycle. Unused Moments from your monthly grant do not accumulate indefinitely. Use them or lose them.
Top-up bundles are available if you run out before the month ends: starting at $5.99 for 1,980 Moments, scaling up to $249.99 for 118,800 Moments with discounts up to 30.4% on larger purchases. These can be purchased without changing your subscription tier.
Annual vs Monthly: The 33% Question
Annual billing saves exactly one-third across all tiers:
| Tier | Monthly | Annual | You Save Per Year |
|---|---|---|---|
| Lite | $5.99 | $48.00 ($4/mo) | $23.88 |
| Plus | $9.99 | $80.04 ($6.67/mo) | $39.84 |
| Premium | $19.99 | $159.96 ($13.33/mo) | $79.92 |
| Ultimate | $39.99 | $320.04 ($26.67/mo) | $159.84 |
Premium and Ultimate also offer quarterly (save ~16%) and biannual (save ~25%) options as intermediate commitments between monthly and annual.
Practical approach: start monthly. After 2-3 months of consistent use, switch to annual for the discount.
Which Plan Fits Your Use Case?
Here's the decision with honest framing:
You're evaluating the platform → Start free. Test the interface, browse characters, check conversation quality. No investment required.
You want to chat regularly with occasional images → Lite ($5.99/month). The 100 messages/day and 1,000 Moments covers casual use without the unlimited messaging that Plus provides.
You want the complete feature set without premium tier cost → Plus ($9.99/month). The right answer for most users. Unlimited messaging, full media access, 30-day memory, 3,000 Moments.
You want the full memory system and more media budget → Premium ($19.99/month). The emotional timeline and Time Machine justify the upgrade if relationship continuity matters to you.
You want group features or maximum media volume → Ultimate ($39.99/month). Group chats and Personas are only here. The 15,000 Moments/month supports heavy media creation.
For the complete side-by-side tier breakdown and media cost math, see the free vs premium comparison. For alternative pricing models from competing platforms, see the alternatives comparison.
Payment Options and Billing Privacy
Secrets AI accepts:
- Visa and Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 per transaction)
American Express is not accepted. Payments are processed by third-party payment processors — card data is not stored directly by Secrets AI.
All charges appear on bank statements as "Sun Clinical Laboratories" — no reference to the platform, AI companions, or adult content. This applies to subscription charges and Moments top-up purchases. Cryptocurrency payments provide an additional layer of billing anonymity.
FAQ
Yes. The free tier requires no credit card and provides 200 starting Moments, 20 messages per day, and character library access. No image or video generation on free. It functions as a platform demo sufficient for 1-2 evaluation sessions. Not designed for regular long-term use.
Yes. Moments top-up bundles can be purchased independently at any time. They start at $5.99 for 1,980 Moments. You can stay on Plus and buy a top-up during a heavy video month without permanently changing to Premium.
Monthly plan allocations reset at the billing cycle. Unused Moments from your monthly grant do not carry forward indefinitely. Purchased top-up bundle behavior may differ — check account balance details for specific rollover rules on separately purchased Moments.
Every Secrets AI charge appears as "Sun Clinical Laboratories" on bank and credit card statements. This is consistent regardless of plan type or purchase amount. No identifying information about the platform appears in any billing record.