Secrets AI Pricing Plans: Free, Lite, Plus, Premium & Ultimate Compared
Secrets AI runs a five-tier subscription model with an embedded virtual currency system that affects the real cost of using the platform beyond the base subscription price. Understanding both the subscription cost and the Moments economy is essential before committing — the sticker price on any given plan tells only part of the story.
This page maps every tier's exact costs, Moments allocations, and feature access. For context on what the features actually do, the detailed review covers the full platform assessment.
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) |
Quarterly and biannual billing options exist only for Premium and Ultimate tiers. Lite and Plus are available as monthly or annual only.
What You Get on Each Plan
Free Plan
The free tier requires no credit card and gives immediate access to the character library. Daily limits are tight: 20 messages per 24-hour period with a 500-character maximum per message. New accounts receive a one-time grant of 200 Moments. Memory extends only to the last 2-3 exchanges in a conversation — essentially no continuity between sessions. Image and video generation are unavailable.
The free tier functions as a structured trial: enough to evaluate UI design, character options, and basic conversation quality. It is not a viable long-term experience due to the message cap and memory limitations.
Lite Plan ($5.99/mo)
Lite raises the daily message ceiling to 100 and adds 1,000 Moments per month, which is sufficient for light image generation (roughly 20-40 images) but leaves little room for video. Memory extends to approximately 14 days of basic long-term recall. Three-second video clips become available on this tier, though generating many of them will exhaust the monthly Moments budget quickly.
For primarily text-focused users who want more conversation time, Lite is the lowest-friction entry point.
Plus Plan ($9.99/mo)
Plus removes the daily message cap entirely and allocates 3,000 Moments monthly. Memory improves to approximately 30 days with topic and tone awareness. Full image and video generation access is unlocked. At $9.99/month ($6.67 if billed annually), Plus represents the most commonly recommended starting point for users who want the full feature experience without committing to higher spending.
The 3,000 Moments budget on Plus works out to roughly 60-120 images, or 5 longer video clips, or 30 minutes of voice — adequate for moderate use across all media types.
Premium Plan ($19.99/mo)
Premium unlocks the platform's most meaningful capabilities beyond basic conversation. Monthly Moments jump to 8,000 with a 10% bonus on any additional Moments purchases. Memory becomes unlimited, with a full emotional history timeline, Time Machine access (revisit past conversation points), 4x memory access multiplier, and a +60% context length boost during sessions.
Premium also unlocks Premium AI models — the higher-quality models that produce more nuanced, emotionally consistent responses. For users who care about long-term relationship simulation and persistent character memory, this is the first tier that delivers the full experience.
The 8,000 Moments budget roughly supports: 160-320 images, or 13 longer video clips, or 80 minutes of voice calls per month — or a combination.
Ultimate Plan ($39.99/mo)
Ultimate layers on top of Premium with 15,000 monthly Moments plus a 15% bonus on top-ups. Memory access scales to 6x with a +100% context length boost. Exclusive features unlocked at this tier include group chats (up to 3 AI characters simultaneously) and Personas (identity-switching for complex roleplay).
At $39.99/month ($26.67 annually), Ultimate makes economic sense primarily for heavy video generators or users who will actively use group chat and Persona features. The 15,000 Moments allocation supports approximately 25 longer video clips per month, or 300+ images, or 150 minutes of voice.
Understanding the Moments System
Moments are the in-app currency used for all media generation and certain account actions. Every paid subscription includes a monthly Moments allocation. Here's what each action costs:
| Action | Moments Cost |
|---|---|
| Text message | 1-2 Moments |
| Image generation | 25-50 Moments |
| Short video clip (3 seconds) | ~50 Moments |
| Full video clip | ~600 Moments |
| Voice call | 100 Moments per minute |
| Manual memory save | 10 Moments |
| New custom character | 1,000-1,500 Moments |
Critical note on video costs: a single full-length video clip can consume 600 Moments — 60% of the Lite tier's entire monthly budget. Users who plan regular video generation should budget for Premium or Ultimate, not Lite or Plus.
Bulk Moments purchases are available if your monthly allocation runs out:
| Bundle | Price |
|---|---|
| 1,980 Moments | $5.99 |
| ~9,000 Moments | ~$19.99 |
| ~18,000 Moments | ~$34.99 |
| 118,800 Moments | $249.99 |
Discounts reach up to 30.4% on the largest bundles. Monthly Moments allocations reset with each billing cycle — unused Moments do not accumulate indefinitely. Premium and Ultimate subscribers receive a bonus percentage (10% and 15% respectively) on any additional Moments they purchase.
Annual vs Monthly — Savings Breakdown
All tiers except Free offer an annual billing option with consistent 33% savings:
| Tier | Monthly Rate | Annual Rate | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Lite | $5.99 | $4.00 | $1.99 | ~$24 |
| Plus | $9.99 | $6.67 | $3.32 | ~$40 |
| Premium | $19.99 | $13.33 | $6.66 | ~$80 |
| Ultimate | $39.99 | $26.67 | $13.32 | ~$160 |
The 33% savings on annual billing is substantial at Premium and Ultimate tiers — $80-160 per year. Premium and Ultimate also offer quarterly (save ~17%) and biannual (save ~25%) options as middle-ground commitments.
Practical advice: start on monthly billing for one or two cycles to confirm the platform fits your usage patterns, then switch to annual if you intend to continue. The savings compound quickly at higher tiers.
Which Plan Is Right for You?
The honest answer depends on how you intend to use the platform:
- Just exploring → Free (200 starting Moments, 20 messages/day, no card required)
- Text conversations only, light use → Lite ($5.99/month)
- Full feature access, moderate media use → Plus ($9.99/month, or $6.67 annually) — the best value for most users
- Persistent memory, regular media generation, deep relationship simulation → Premium ($19.99/month)
- Heavy video generation, group chats, maximum customization → Ultimate ($39.99/month)
For a side-by-side examination of exactly what changes between the free tier and paid plans, the free vs premium comparison lays it out in detail. If you're weighing Secrets AI against lower-cost platforms, the cheaper alternatives page covers eight competing options.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 transaction)
American Express is not accepted. Payment processing goes through third-party providers — Secrets AI does not store card data directly. Charges appear on bank statements as "Sun Clinical Laboratories" — no reference to AI services, companion platforms, or adult content.
Cryptocurrency is the payment option with the highest privacy ceiling, requiring no linkage between payment identity and account. Cancellation is available at any time; access continues through the end of the current billing period. Refund policy details are not publicly documented.
FAQ
Yes — there is a permanent free tier that requires no payment method. Free accounts receive 200 one-time Moments, 20 messages per day with a 500-character limit, and access to the full character library. Image and video generation are not available on free. The free plan is best treated as a trial: enough to evaluate conversation quality and browse characters, but too restricted for regular use.
Yes. Moments can be purchased as standalone top-ups at any subscription level, including Free. Bundles start at 1,980 Moments for $5.99 and scale to 118,800 Moments for $249.99. Premium and Ultimate subscribers receive a 10-15% bonus on all top-up purchases.
Monthly Moments allocations included in your subscription reset each billing cycle and do not accumulate indefinitely. Separately purchased Moments bundles have their own expiration terms — check current policy on the platform directly, as this can change.
All charges appear as "Sun Clinical Laboratories" on bank and credit card statements. There is no reference to Secrets AI, AI companion services, or adult content in the billing descriptor.