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

Secrets AI charges two ways: a base subscription for access and message limits, plus a Moments currency system that governs every media action. Understanding both layers before you pick a plan prevents surprise billing. This page breaks down every tier, the real Moments math per feature, annual savings calculations, and which plan makes sense for which usage pattern.

Secrets AI Pricing Overview

Five tiers exist, ranging from permanently free to $39.99 per month. Paid tiers offer four billing cycle options — monthly, quarterly (Premium/Ultimate only), biannual (Premium/Ultimate only), and annual.

Annual billing reduces the effective monthly cost by 33% across all paid tiers. Quarterly and biannual options offer a middle ground between commitment and savings — available for Premium and Ultimate only.

The Free tier has no time limit. You remain on it indefinitely without entering payment information.

What You Get on Each Plan

Free Plan

The Free plan is a functional test environment, not a usable daily experience. Limits are tight enough that most users hit the ceiling within two sessions:

• 20 messages per day maximum
• 500-character limit per message
• 200 Moments (one-time starting credit, not recurring monthly)
• Basic short-term memory: recall covers only the last 2-3 exchanges
• Full character library: browse and chat with all pre-built characters
• No image generation, no video generation, no voice calls

Those 200 starting Moments disappear quickly if you experiment with images (25-50 Moments each). Spending all 200 on text gives you 100-200 basic message interactions before Moments run dry. After that, text is still available — just at 1-2 Moments per message, drawn from that same starting balance.

Lite Plan ($5.99/mo)

Lite is the minimum viable paid tier — significant quality-of-life improvement over Free, but still constrained for media-heavy users:

• 100 messages per day
• 1,000 Moments per month (recurring)
• Basic long-term memory (~14 days recall window)
• Access to 3-second short video clips
• Image generation included

1,000 monthly Moments supports roughly 20-40 images, or 2 long videos (at 600 Moments each), or 10 minutes of voice calls. Not all three simultaneously — users need to prioritize.

Plus Plan ($9.99/mo)

Plus is the most commonly recommended tier because it removes the daily message ceiling entirely and provides meaningful Moments for regular use:

• Unlimited messages (no daily cap)
• 3,000 Moments per month
• Improved memory: approximately 30-day recall with topic and tone awareness
• Full video and image generation access
• All voice options available

At 3,000 monthly Moments, a mixed usage pattern (50 images, 2 long videos, 10 minutes voice) consumes approximately 1,700-2,500 Moments — leaving buffer for text message Moments without feeling constrained.

The transition from the 20 messages/day free limit to unlimited messaging alone justifies the $9.99/mo for users who find themselves hitting the daily cap regularly.

Premium Plan ($19.99/mo)

Premium unlocks the full memory and AI quality experience:

• Unlimited messages
• 8,000 Moments per month + 10% bonus on additional top-up purchases
• Unlimited memory with emotional timeline
• Time Machine feature (navigate back to earlier conversation states)
• Premium AI models
• 4x memory access multiplier
• +60% context length boost
• Previous conversation recall improvement (~67%)

The emotional timeline is the qualitative leap that separates Premium from lower tiers. The AI maintains relationship history, emotional arc, and character-specific details indefinitely — not just the last 30 days. For users building long-term companion relationships, this is the meaningful threshold.

For the free vs premium comparison that maps exactly what changes at each tier, see that dedicated breakdown.

Ultimate Plan ($39.99/mo)

Ultimate adds two features no lower tier offers — group chats and personas — on top of the full Premium stack:

• Unlimited messages
• 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 scenarios
• 6x memory access multiplier
• +100% context length boost

The 15,000 monthly Moments is the main draw for heavy video creators. At 600 Moments per long video clip, Ultimate supports up to 25 full-length videos monthly — compared to 13 on Premium. If group chats and personas don't interest you, the question is purely whether the video budget difference ($20/mo extra for ~12 additional videos) justifies the jump.

Understanding the Moments System

Moments are Secrets AI's in-app virtual currency. Every media action — and some account actions — draws from your Moments balance. Text messages cost Moments too, but at 1-2 per message they're relatively cheap compared to media.

Moments cost per action:

Key policy detail: Moments do not roll over. Monthly allocations reset at the billing cycle. Unused Moments at month-end are forfeited. This makes accurate usage planning more important than on platforms where credits accumulate.

Bulk Moments top-ups are available if you exhaust your monthly allocation:

• 1,980 Moments for $5.99 (smallest bundle)
• Larger bundles up to 118,800 Moments for $249.99
• Discounts reach up to 30.4% on larger packages

Premium and Ultimate subscribers also receive 10% and 15% bonus Moments respectively on any top-up purchases — making bulk buying more efficient for heavy users.

Real math on Premium (8,000 Moments/month):

• ~13 full-length videos only (at 600 each)
• ~160-320 images only (at 25-50 each)
• ~80 minutes of voice only (at 100/min)
• Realistic mixed use: 100 images + 5 videos + 30 min voice ≈ 7,500 Moments

Annual vs Monthly — Savings Breakdown

The savings rate is flat at 33% regardless of tier. There's no additional discount for committing to a higher tier annually — the percentage benefit is identical.

Recommendation: use monthly billing for the first two or three months to confirm the platform fits your routine, then switch to annual if you're satisfied. The 33% difference on Premium equals $79.92 saved per year.

Which Plan Is Right for You?

The decision matrix is fairly clean based on usage pattern:

Just exploring / unsure: Start with Free. The 200 starting Moments and 20 messages/day give you enough to assess conversation quality and character variety. Upgrade when you hit the limits.

Text-focused casual user: Plus ($9.99) — unlimited messaging, 30-day memory, enough Moments for occasional images without running dry.

Regular image user, occasional video: Premium ($19.99) — the emotional timeline memory and 8,000 Moments monthly handle regular media requests. The 4x memory multiplier significantly improves conversation quality compared to Plus.

Heavy video creator: Ultimate ($39.99) — 15,000 Moments monthly and the 15% top-up bonus make sustained video creation viable. Group chats and personas are a bonus.

Just want to test video once: Buy Moments top-ups on the Lite plan rather than upgrading immediately. 600 Moments for a single video = one top-up bundle at $5.99.

Payment Methods and Billing

Accepted payment methods:

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

American Express is not accepted. This is an unusual exclusion — worth noting if Amex is your primary card.

Payment processing goes through third-party providers; Secrets AI does not store raw card data directly. Billing appears on statements as "Sun Clinical Laboratories" — no reference to AI, adult content, or the platform name. This discreet descriptor applies to all billing regardless of payment method.

Subscriptions can be cancelled at any time. Access continues through the end of the current billing period. Refund policy specifics are not publicly documented on the platform — contact support before purchasing if refund terms matter to your decision.

For the detailed review of whether the pricing justifies the platform's capabilities, see the full Secrets AI assessment. To compare value against competing platforms, the alternatives guide covers eight competing platforms with pricing benchmarks.

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