Secrets AI Pricing Plans: Free, Lite, Plus, Premium and Ultimate Compared
The most common complaint about Secrets AI pricing is not the subscription cost — it is that Moments run out faster than expected. Understanding exactly how many Moments each plan provides, what each action costs, and how to stretch your allocation is what separates users who feel they're getting good value from those who constantly feel short. This page covers every tier, every cost, and which plan actually fits which usage pattern.
How Much Does Secrets AI Cost? Full Pricing Overview
Secrets AI offers five subscription tiers, each with a monthly and annual billing option. Annual billing saves approximately 33% on every tier.
| Plan | Monthly Price | Annual Price (per month) | Moments/Month |
|---|---|---|---|
| Free | $0 | $0 | 200 (one-time only) |
| Lite | $5.99 | $4.00 | 1,000 |
| Plus | $9.99 | $6.67 | 3,000 |
| Premium | $19.99 | $13.33 | 8,000 + 10% bonus |
| Ultimate | $39.99 | $26.67 | 15,000 + 15% bonus |
Quarterly and biannual billing options are also available as middle-ground choices. The free tier's 200 Moments are a one-time allocation — they do not refresh monthly. All paid tier Moments reset monthly and do not roll over.
What You Get on Each Plan
Free Plan
The free plan provides 20 messages per day with a 500-character maximum per message. You receive 200 Moments as a one-time starting allocation — these do not refresh. Image and video generation are not accessible on the free tier. Memory is limited to the last 2–3 exchanges, meaning the AI has no recall of earlier conversations.
The free tier is genuinely useful for one thing: evaluating whether Secrets AI's chat quality and interface meet your standards before committing to a subscription. The 200 starting Moments cover approximately four images or a few minutes of voice interaction. For anything beyond that evaluation, a paid plan is necessary.
Lite Plan ($5.99/mo)
The Lite plan raises the daily message cap to 100 messages and provides 1,000 Moments per month. Long-term memory activates at this tier, covering approximately 14 days of conversation history — a meaningful step up from the free tier's near-zero memory. Three-second video clips are available on Lite, making it the minimum tier for video access.
The Lite plan suits text-focused users who primarily want more conversation time than free allows, with occasional image generation. The Moments allocation is still constrained for users who want regular media — 1,000 Moments covers roughly 20–40 images per month, or a handful of short video clips, not both.
Plus Plan ($9.99/mo)
Plus is the most commonly recommended starting point. It provides unlimited messaging, 3,000 Moments per month, and expanded memory covering approximately 30 days with topic and tone awareness. Full image and video generation are included — access to both short and longer video clips.
At $9.99/month, Plus unlocks the full range of platform functionality without the premium model tier or advanced memory features. For users who want unlimited text conversation with moderate media generation, this is the practical sweet spot.
Premium Plan ($19.99/mo)
Premium provides unlimited messaging, 8,000 Moments per month plus a 10% monthly bonus (approximately 8,800 total), and the platform's full memory system: unlimited recall with an emotional timeline, the Time Machine feature for revisiting earlier conversation branches, premium AI models, a 4x memory access multiplier, and a +60% context length boost.
This tier is designed for users who want a persistent, deepening relationship with their AI companion over months rather than days. The memory system at this tier genuinely changes the quality of long-term conversations in a way that lower tiers cannot replicate.
Ultimate Plan ($39.99/mo)
Ultimate includes everything in Premium, with the Moments allocation raised to 15,000 per month plus a 15% bonus (approximately 17,250 total), a 6x memory access multiplier, and a +100% context length boost. Two exclusive features activate: group chats (up to three AI characters simultaneously) and Personas (identity-switching for immersive roleplay).
Ultimate makes financial sense only for heavy media creators — users generating dozens of videos per month or running extended group chat scenarios. For most users, Premium delivers the full experience at half the cost.
How the Moments System Works — And How to Spend It Wisely
Moments are Secrets AI's virtual currency. Every media action and certain account operations cost Moments. They are allocated monthly based on your plan and reset at the start of each billing cycle — unused Moments are lost.
Cost per action
| Action | Moments Cost |
|---|---|
| Text message | 1–2 Moments |
| Image generation | 25–50 Moments |
| Short video (3 seconds) | ~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 |
What each plan's Moments actually buy you
On Premium (8,000 Moments), you can generate approximately:
- ~160–320 images per month, or
- ~13 full-length video clips, or
- ~80 minutes of voice calls, or
- A practical mix: 100 images + 5 videos + 30 minutes voice = ~7,500 Moments used
On Plus (3,000 Moments), the equivalent breakdown:
- ~60–120 images per month, or
- ~5 full-length videos, or
- ~30 minutes of voice calls
Text messaging costs 1–2 Moments per message, so unlimited-messaging plans are the correct framing — the Moments budget is for media, not conversation.
Buying additional Moments
Top-up bundles are available for purchase separately from your subscription:
- 1,980 Moments: $5.99
- Larger bundles scale up to 118,800 Moments for $249.99
Top-ups are a reasonable option if you occasionally exceed your monthly allocation but do not want to upgrade permanently. They are less efficient per-Moment than upgrading tiers, however — factor in your actual monthly usage before choosing between top-ups and a plan change.
Annual vs Monthly — How Much You Save
Every tier offers approximately 33% savings on annual billing compared to monthly.
| Plan | Monthly | Annual (per month) | Monthly Savings | Annual Total Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | ~$23.88 |
| Plus | $9.99 | $6.67 | $3.32 | ~$39.84 |
| Premium | $19.99 | $13.33 | $6.66 | ~$79.92 |
| Ultimate | $39.99 | $26.67 | $13.32 | ~$159.84 |
The break-even on annual billing is approximately three months — if you are confident you will use the platform for at least three months, annual billing is the correct choice on every tier.
Which Plan Matches Your Usage Pattern?
Not every user needs the same tier. The right plan depends on how you actually use the platform.
Text-only or casual users who primarily want conversation without regular media generation: Plus at $9.99/month. Unlimited messaging, full chat access, and 3,000 Moments is more than sufficient for light image use.
Users who want regular image generation and occasional video: Premium at $19.99/month. The 8,000 Moments allocation handles a meaningful volume of images and a handful of videos per month. The memory system at this tier is also qualitatively different — emotional timeline and Time Machine meaningfully improve long-term interactions.
Heavy video creators generating more than 10–15 full-length videos per month: Ultimate at $39.99/month. The 15,000 Moments allocation handles high-volume video generation. Group chats and Personas are additional bonuses at this tier.
Just exploring: Start with the free tier — the 200 starting Moments and 20 daily messages are enough to evaluate chat quality and interface. Then upgrade once you know the platform suits you.
For a detailed feature-by-feature comparison of what you gain at each tier, see the all features breakdown. For a direct analysis of whether the free-to-paid upgrade is worth it, see the free vs premium comparison.
Payment Methods and Billing Details
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Credit card data is processed via a third-party payment processor rather than being stored directly by the platform.
Cancellation is available at any time through account settings. Access continues through the end of the current billing period after cancellation. No publicly available refund policy details have been confirmed — if you have a billing issue, contact support directly.
Billing appears on bank statements as "Sun Clinical Laboratories" — there is no reference to Secrets AI, AI platforms, adult content, or anything similar. For users concerned about payment privacy, cryptocurrency is the highest-privacy option. For a full assessment of what information Secrets AI stores and how payments are handled, see the detailed review or the cheaper alternatives comparison if cost is the primary concern.
FAQ
Yes, there is a free tier. It provides 20 messages per day, a 500-character message limit, and 200 Moments as a one-time allocation. The 200 Moments do not refresh monthly. Image and video generation are not available on the free tier. The free plan functions as an extended trial — suitable for evaluating chat quality and UI, but not a practical ongoing access level for most users.
Yes. Moments top-up bundles are available for separate purchase regardless of your subscription tier. The smallest bundle is 1,980 Moments for $5.99. Larger bundles scale up to 118,800 Moments for $249.99. Top-ups are a reasonable option for occasional over-budget months. However, upgrading tiers is generally more cost-efficient per Moment than buying top-ups repeatedly — run the math against your actual monthly usage before choosing.
No. Moments reset at the start of each new billing cycle. Unused Moments are forfeited. This is the most common source of frustration among Secrets AI users. Plan your media generation accordingly: use your Moments before the reset date, or adjust your subscription tier to better match actual consumption rather than letting allocations expire.
Charges from Secrets AI appear on bank statements as "Sun Clinical Laboratories" — not as Secrets AI, not as an AI platform, and not with any adult content reference. This is consistent for both subscription charges and Moments top-up purchases. For maximum billing privacy, cryptocurrency payments (minimum $20) are also accepted and will not appear as a merchant transaction on a card statement.