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

Secrets AI runs five pricing tiers, from a genuinely limited free plan to an Ultimate tier at $39.99/month. Understanding which plan is right for you requires understanding the Moments system — because the nominal monthly cost is only part of what you're actually paying for. This guide breaks down every tier, every Moments cost, every billing option, and which plan makes sense for which type of user.

For a broader assessment of whether the platform is worth the investment at any tier, see the full Secrets AI review.

Secrets AI Pricing Overview

Annual billing saves approximately 33% across all paid tiers. Premium and Ultimate offer additional quarterly and biannual options as middle-ground billing cycles.

What You Get on Each Plan

Free Plan

The free tier exists primarily as a product demo. Here's what you actually get:

• 20 messages per day
• 500-character maximum per message
• 200 starting Moments (one-time grant, not monthly)
• Basic short-term memory — last 2–3 exchanges only
• No image generation
• No video generation
• Full character library (browsing and basic chat)

The 200 Moments starting grant is enough for approximately 4–8 images at 25–50 Moments each — or a single short 3-second video clip at ~50 Moments. After that, media generation stops unless you upgrade or purchase Moments separately. The 20 messages/day cap means a conversation of any depth exhausts your daily limit quickly.

Lite Plan ($5.99/mo)

• 100 messages per day
• 1,000 Moments per month
• Basic long-term memory (~14 days recall)
• 3-second video clips (short format only)
• Full image generation access

Lite is the entry point for users who want meaningful conversation volume and basic media generation. 1,000 Moments covers roughly 20 short video clips or 20–40 images per month — workable for casual use, tight for anyone who wants regular media generation.

Plus Plan ($9.99/mo)

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

This matters most if you plan to use Secrets AI daily. Unlimited messaging removes the most frustrating free-tier limitation, and 3,000 Moments is enough for a genuine mix of chat, images, and occasional video. The 30-day memory window creates meaningful conversational continuity.

Plus is the recommended plan for most new users — it covers all core features without requiring a significant financial commitment.

Premium Plan ($19.99/mo)

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

Premium is the tier where Secrets AI starts functioning as a genuine long-term companion platform. Unlimited memory with an emotional timeline means the AI maintains a cumulative understanding of your relationship — not just what happened in the last session but how the relationship has evolved. The Time Machine feature lets you return to earlier conversation branches, useful for users who treat their companion relationship as an ongoing narrative.

The 10% bonus on Moments top-ups is a minor but useful benefit for heavy media users.

Ultimate Plan ($39.99/mo)

• Everything in Premium
• 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

Ultimate adds two features unavailable at any other tier: group chats (multi-character simultaneous conversations) and personas (user identity-switching within roleplay). These are specialized features. If you don't specifically want multi-character scenarios or identity roleplay, Premium at $19.99 covers everything else.

The 15,000 Moments allocation is significant — at the high end of video generation (600 Moments per long clip), that's approximately 25 long-form video clips per month. Heavy video creators are the primary justified audience for Ultimate.

Understanding the Moments System

Moments are the virtual currency used for media generation, voice calls, and premium actions. Every paid tier includes a monthly Moments grant. Unused Moments do not roll over to the following billing period — they reset each month.

Cost per Action

Bulk Moments Purchase Options

You can purchase additional Moments outside your monthly allocation:

• 1,980 Moments — $5.99
• Larger bundles up to 118,800 Moments — $249.99
• Discounts up to 30.4% on large purchases
• Premium subscribers get +10% bonus on top-ups; Ultimate subscribers get +15%

Real Monthly Budget Math

Premium tier (8,000 Moments/month):

• ~160–320 images (at 25–50 Moments each)
• OR ~13 long video clips (at 600 Moments each)
• OR ~80 minutes of voice calls
• Practical mix: 100 images + 5 long videos + 30 minutes voice ≈ 7,500 Moments

Plus tier (3,000 Moments/month):

• ~60–120 images
• OR ~5 long video clips
• OR ~30 minutes voice calls
• Practical mix: 60 images + 2 videos + 10 minutes voice ≈ 2,800 Moments

The math clarifies the upgrade decision: Plus is sufficient for users who prioritize text with light media. Premium is the right tier once you want regular image and video generation without Moments anxiety.

Annual vs Monthly — Savings Breakdown

The 33% annual discount is consistent across all tiers. Quarterly ($49.99 for Premium, $99.99 for Ultimate) and biannual options sit between monthly and annual pricing for users who don't want to commit a full year upfront.

Practical recommendation: Start on the monthly rate for your chosen tier. After 2–3 months, if you're consistently using the platform, switch to annual billing to capture the discount.

Which Plan Is Right for You?

For casual users exploring the platform: Start with Free (200 Moments lets you test chat and basic features). If the conversation quality works for you, move to Plus at $9.99 — the jump from free to Plus is the biggest quality improvement per dollar on the platform.

For regular users focused on text conversation: Plus ($9.99/month) — unlimited messaging, 30-day memory, and 3,000 Moments covers occasional images without overspending on features you won't use.

For users who want image + video content regularly: Premium ($19.99/month) — 8,000 Moments supports a genuine monthly media budget, and the unlimited memory with emotional timeline makes the companion relationship substantially richer.

For heavy video and image creators: Ultimate ($39.99/month) — 15,000 Moments covers serious content generation volume. Group chats and personas are exclusive here if those scenarios appeal to you.

For privacy-maximizing users: Any paid tier supports cryptocurrency payment and Private Mode — Plus is the most cost-efficient entry point.

For a head-to-head breakdown of what specifically changes between free and paid, see the free vs premium comparison.

Payment Methods and Billing

Accepted payment methods:

• Visa
• Mastercard
• Virtual debit cards
• Cryptocurrency (minimum $20 transaction)

American Express is not accepted.

All charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI, adult content, or the platform name. Cancellation is available at any time; access continues through the end of the current billing period.

No refund policy details are publicly available on the platform. If billing concerns arise, contact support before initiating a chargeback.

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