Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI operates a five-tier subscription model built around a virtual currency called Moments. Understanding how the pricing actually works — and particularly how quickly Moments deplete under real usage — is essential before choosing a plan. This page covers the exact costs at every tier, what each plan unlocks, the real-world math on Moments spending, and which plan delivers the best value for different usage patterns.
For context on what each plan gets you feature-wise, the detailed review and full feature breakdown are the best starting points.
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 | $49.99 ($16.67/mo) | $89.99 ($15.00/mo) | $159.99 ($13.33/mo) |
| Ultimate | $39.99 | $99.99 ($33.33/mo) | $179.99 ($30.00/mo) | $319.99 ($26.67/mo) |
The 33% annual discount on Premium and Ultimate is consistent across billing periods. Quarterly and biannual options exist as middle ground for users who want savings without a 12-month commitment.
What You Get on Each Plan
Free Plan
The free tier exists primarily as a trial mechanism. What it actually provides:
- 20 messages per day (hard daily cap)
- 500-character maximum per message
- 200 Moments (one-time starting credit, not monthly)
- Basic short-term memory (last 2–3 exchanges only)
- No image or video generation
- Full access to the character library for browsing and basic chat
The 200 starting Moments sound useful until you do the math: 4–8 images would exhaust them entirely, and voice calls at 100 Moments per minute would last under 2 minutes. Combined with the 2–3 exchange memory limit, the free tier is genuinely only sufficient for evaluating the interface and conversation style, not for ongoing use.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- Access to 3-second video clips
- Standard AI models
The Lite tier removes the worst constraints of free (daily message cap, zero memory) while keeping costs low. However, 1,000 Moments per month is tight — 20 images would consume the entire monthly allowance, with nothing left for voice or video. Best suited for text-focused users who want meaningful conversation without media generation.
Plus Plan ($9.99/mo)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (~30 days, with topic and tone awareness)
- Full video and image generation access
- Standard AI models
The Plus plan is the practical entry point for most users. Unlimited messaging eliminates the daily cap anxiety, and 3,000 monthly Moments support moderate media use — roughly 60–120 images or 5–60 videos per month depending on clip length. Memory recall at 30 days with topic and tone awareness makes relationship continuity actually possible.
At $9.99 per month ($6.67 annual), Plus represents the most cost-efficient tier for casual to moderate users who want the full platform experience.
Premium Plan ($19.99/mo)
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-up purchases
- Unlimited memory with full history and emotional timeline
- Time Machine (navigate back through conversation history)
- Premium AI models
- 4× memory access multiplier
- +60% context length boost
- All voice call options
Premium is the tier where the platform's memory system fully activates. Unlimited memory with an emotional timeline means the AI tracks the development of your simulated relationship over time — it knows your preferences, recalls emotionally significant moments, and builds on established dynamics rather than starting fresh.
The Time Machine feature, exclusive to Premium and above, allows navigation back to earlier conversation points — useful for returning to specific roleplay threads or revisiting emotionally meaningful exchanges.
Ultimate Plan ($39.99/mo)
- Everything in Premium
- 15,000 Moments per month + 15% bonus on top-up purchases
- Group chats (up to 3 AI characters simultaneously)
- Personas (identity-switching for complex roleplay)
- 6× memory access multiplier
- +100% context length boost
The Ultimate tier is designed for power users who generate substantial media content or want the group chat and persona capabilities. At $39.99/month ($26.67 annual), it is only worth the price for users who regularly hit Moments limits on Premium or specifically want group chat functionality.
Understanding the Moments System
Moments are Secrets AI's in-platform currency. They gate all media generation and some other actions. Monthly allocations are included with each paid plan, but they reset at each billing cycle — unused Moments do not accumulate indefinitely.
Moments Cost Per Action
| Action | Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video (3 seconds) | ~50 Moments |
| Full-length video | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New character creation | 1,000–1,500 Moments |
Real-World Budget Math
On Premium (8,000 Moments/month), a realistic usage breakdown might look like:
- 100 text-heavy chat messages: ~150 Moments
- 50 images: ~1,500 Moments
- 5 full videos: ~3,000 Moments
- 30 minutes voice: ~3,000 Moments
- Total: ~7,650 Moments — close to the monthly allocation
Heavy video production is the fastest route to exhausting a Moments balance. A single full-length video at 600 Moments means even the Ultimate allocation (15,000 Moments) allows roughly 25 full videos if that is the primary usage.
Bulk Moments Purchase
Additional Moments can be purchased separately at any time:
- 1,980 Moments: $5.99
- Mid-range bundles available up to 118,800 Moments: $249.99
- Discounts reach up to 30.4% on larger bundles
- Premium tier members receive a 10% bonus on all top-up purchases; Ultimate members receive 15%
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00/mo ($48/yr) | ~33% |
| Plus | $9.99 | $6.67/mo ($80.04/yr) | ~33% |
| Premium | $19.99 | $13.33/mo ($159.99/yr) | ~33% |
| Ultimate | $39.99 | $26.67/mo ($319.99/yr) | ~33% |
The 33% annual discount is identical across all paid tiers. For users who test the platform monthly and plan to stay long-term, switching to annual billing after 2–3 months makes clear financial sense. The recommendation is to run monthly billing initially — the first month will reveal whether your actual usage justifies the Moments allocation at your chosen tier.
Which Plan Is Right for You?
Text-focused casual users: Plus at $9.99/month. Unlimited messaging, 3,000 Moments for light media, 30-day memory recall. No need to spend more.
Regular image users wanting emotional depth: Premium at $19.99/month. The memory upgrade alone (unlimited vs 30 days) justifies the step up, and 8,000 Moments handle moderate media generation.
Heavy video and image producers: Ultimate at $39.99/month. 15,000 Moments with the 15% top-up bonus makes sense if you regularly run multiple video sessions per week.
Just exploring the platform: Free (200 Moments, 20 messages/day). Enough for 1–2 sessions to evaluate conversation quality before committing money.
For a detailed side-by-side comparison of what each tier unlocks in practice, see the free vs premium comparison. To see what cheaper alternatives offer, see the alternatives breakdown.
Payment Methods and Billing
- Accepted: Visa, Mastercard, virtual debit cards, cryptocurrency (minimum $20 transaction)
- Not accepted: American Express
- Billing descriptor: "Sun Clinical Laboratories" — no reference to AI, adult content, or companion services
- Cryptocurrency: Accepted for users requiring maximum financial privacy
- Cancellation: Can cancel anytime; access continues through the end of the current billing period
- Refund policy: No publicly available refund details — assume non-refundable and test on monthly billing before committing to annual
FAQ
Yes, there is a permanent free tier with no expiration. It provides 20 messages per day, access to the character library, and 200 Moments as a one-time credit. The free tier is functional for evaluating the platform but is not designed as a sustainable free option — the memory limitations and lack of media generation make it more of a demo than a usable experience.
Yes. Moments top-ups can be purchased separately at any point, regardless of your subscription tier. The smallest bundle starts at 1,980 Moments for $5.99. Larger bundles receive bulk discounts up to 30.4%. If you are on a lower tier and occasionally need media generation beyond your monthly allocation, top-ups are more cost-efficient than upgrading plans for occasional heavy use.
Monthly Moments allocations that come with your subscription reset at the billing cycle — they do not accumulate indefinitely. Moments purchased separately through bulk top-ups may have different handling, but the monthly included allocations are use-it-or-lose-it within each billing period.
All Secrets AI charges appear on bank and credit card statements as "Sun Clinical Laboratories." There is no reference to AI, companion services, adult content, or the Secrets AI brand in the billing descriptor. Cryptocurrency payments are also accepted for users who require complete transaction privacy from their financial institutions.