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Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
The subscription price is only part of what you'll pay on Secrets AI. The Moments virtual currency system operates on top of your monthly plan — and if you're a video or voice user, Moments will determine your real monthly cost more than the base subscription does. Let me be upfront about how this works before you commit.
Secrets AI Pricing Overview
Here are all five subscription tiers with every billing option:
| Tier | Monthly | Quarterly (per month) | Biannual (per month) | 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 |
Quarterly and biannual billing are only available for Premium and Ultimate. Lite and Plus are monthly or annual only.
What You Get on Each Plan
Free Plan
The free tier exists to let you evaluate the platform — not to provide a full experience. Here's what you actually get:
- 20 messages per day (500-character maximum per message)
- 200 Moments as a one-time starting credit
- Basic short-term memory covering only the last 2-3 exchanges
- Full browse access to the entire character library
- No image generation, no video generation, no voice calls
200 Moments disappears quickly: that's roughly 4 images, a 2-minute voice call, or zero videos. Once those Moments are gone, text-only chat is your only option until you upgrade. The 20-message daily cap means conversations are short and fragmented. Free is adequate for checking the UI and getting a taste of chat quality — nothing more.
Lite Plan ($5.99/mo)
- 100 messages per day
- 1,000 Moments per month
- Basic long-term memory (~14 days recall)
- Video clip generation (3-second clips only)
Lite removes the message cap frustration and adds enough Moments for light image use. But 1,000 Moments runs out fast if you attempt any video generation — 1-2 longer clips exhausts the entire monthly allocation. Lite is a meaningful step up from free for text-focused users who occasionally want images.
Plus Plan ($9.99/mo)
- Unlimited messaging
- 3,000 Moments per month
- Improved memory (~30 days, topic + tone awareness)
- Full image and video generation access
- All AI models (except premium-exclusive)
Plus is the sweet spot for most users. Unlimited messaging removes all conversation friction, 3,000 Moments covers moderate image use and occasional short videos, and the 30-day memory makes conversations feel meaningfully continuous. For users whose primary interest is conversation with occasional visual content, Plus delivers the complete experience at a reasonable price.
Premium Plan ($19.99/mo)
- Unlimited messaging
- 8,000 Moments per month + 10% bonus on top-ups
- Unlimited memory with full emotional timeline
- Time Machine (revisit past conversation states)
- Premium AI models
- 4x memory access, +60% context length
- Previous conversation recall ~67% improvement
Premium is the tier where the relationship simulation becomes genuinely convincing. Unlimited memory means the AI accumulates a real history with you — emotional patterns, relationship milestones, recurring themes. The 10% Moments bonus on purchases adds value for high-volume users. The Time Machine feature, while niche, is unique to this tier and above.
Ultimate Plan ($39.99/mo)
- Unlimited messaging
- 15,000 Moments per month + 15% bonus on top-ups
- Everything in Premium
- Group chats (up to 3 AI characters simultaneously)
- Personas (identity switching for roleplay)
- 6x memory access, +100% context length
Ultimate is for power users: heavy video creators, group chat enthusiasts, and users who want the deepest possible memory and context window. At $39.99 per month, it's hard to justify unless you're hitting the limits of Premium regularly.
Understanding the Moments System
Moments are the secondary currency that powers media generation and certain premium features. Your monthly subscription includes a Moments allocation that resets each billing cycle — unused Moments do not roll over.
Cost Per Action
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video (3-second clip) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments/minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000-1,500 Moments |
Real Math: What Premium (8,000 Moments) Gets You
The monthly Moments allocation on Premium translates to roughly:
- ~160-320 images (at 25-50 Moments each)
- ~13 full-length videos (at 600 Moments each), or
- ~80 minutes of voice calls, or
- A realistic mixed usage: 100 images + 5 videos + 30 minutes voice = ~7,500 Moments
If video is your primary interest, 8,000 Moments goes faster than expected. Heavy video users should calculate based on ~600 Moments per clip, not the floor estimate.
Bulk Moments Purchases
If your monthly allocation runs out, you can buy additional Moments:
- 1,980 Moments: $5.99
- Largest bundle: 118,800 Moments: $249.99 (up to 30.4% discount)
Bulk purchases make sense when you've hit your monthly limit and want to continue without waiting for the next billing cycle. Premium and Ultimate subscribers also receive a bonus percentage on all top-up purchases (10% and 15% respectively).
Annual vs Monthly — Savings Breakdown
| Tier | Monthly Cost | Annual Cost/Month | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99/mo | $23.88/year |
| Plus | $9.99 | $6.67 | $3.32/mo | $39.84/year |
| Premium | $19.99 | $13.33 | $6.66/mo | $79.92/year |
| Ultimate | $39.99 | $26.67 | $13.32/mo | $159.84/year |
Annual billing saves exactly 33% on every tier. If you're confident the platform fits your use case, annual is financially efficient. The practical recommendation: subscribe monthly first and test for at least one billing cycle before committing annually — the platform has limitations that may not be immediately apparent.
Which Plan Is Right for You?
This depends primarily on how you use the platform:
- Just testing / casual curiosity: Start with Free (200 Moments, 20 messages/day). Expect to hit limits quickly.
- Text conversation focus, occasional images: Plus ($9.99/mo) — unlimited messaging, 3,000 Moments, full access.
- Regular media use (images + occasional video): Premium ($19.99/mo) — 8,000 Moments, deep memory, best AI models.
- Heavy video creation or group chats: Ultimate ($39.99/mo) — 15,000 Moments, personas, group chat support.
- Strict budget: Lite ($5.99/mo) — meaningful step up from free, workable for text-only users.
The full review covers the value question in more detail, and the free vs premium comparison breaks down every feature difference between tiers side by side.
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 your bank statement as "Sun Clinical Laboratories" — the billing is discreet and contains no reference to AI, companion platforms, or adult content. Cryptocurrency payments provide the highest level of payment privacy.
Cancellation stops future billing, and access continues through the end of your paid period. No public refund policy information is available — if you need a refund, contact support directly before assuming one is available.
FAQ
Yes, there is a free tier that costs nothing. It gives you 20 messages per day, a 500-character message limit, and 200 starting Moments. Memory only covers the last 2-3 exchanges, and there is no image or video generation on the free plan. Most users reach the practical limits of the free tier within one or two sessions. It's genuinely useful for testing the platform, but not as a long-term usage tier.
Yes. Moments top-up bundles are available for purchase independently of your subscription tier. The smallest bundle is 1,980 Moments for $5.99. Premium and Ultimate subscribers receive a 10% and 15% bonus respectively on all top-up purchases. Buying Moments directly is useful when you've exhausted your monthly allocation but don't want to change your plan.
No. Monthly Moments allocations reset at the start of each billing cycle and any unused Moments are forfeited. This is one of the more significant cost management factors on the platform — if you consistently leave Moments on the table, you're paying for capacity you're not using. Plan your media usage to match your allocation, or consider a lower tier.
Your card or bank statement will show a charge from "Sun Clinical Laboratories" — not Secrets AI, not secrets.ai, and not any description that identifies the platform's nature. This applies to all subscription tiers and Moments purchases. Cryptocurrency payments via Bitcoin or similar don't appear linked to Secrets AI in any identifiable way on standard bank statements.