Secrets AI Pricing 2026: Every Plan, Every Cost, Straight Comparison
Secrets AI pricing has two layers: the subscription tier (monthly fee) and the Moments system (per-action currency costs). Understanding only the subscription price leaves out the more variable component — how fast Moments deplete based on what you do on the platform. This page covers both layers completely.
For context on what features each tier unlocks, see the features breakdown or the detailed review.
All Subscription Tiers
Complete Pricing Table
| Tier | Monthly | Quarterly | Biannual | Annual (per mo.) | Moments/mo |
|---|---|---|---|---|---|
| Free | $0 | — | — | — | 200 (one-time) |
| Lite | $5.99 | — | — | $4.00 | 1,000 |
| Plus | $9.99 | — | — | $6.67 | 3,000 |
| Premium | $19.99 | $16.67 | $15.00 | $13.33 | 8,000 + 10% |
| Ultimate | $39.99 | $33.33 | $30.00 | $26.67 | 15,000 + 15% |
Quarterly and biannual billing options exist only for Premium and Ultimate. Lite and Plus are monthly or annual only.
What Each Tier Includes
Free ($0)
- 20 messages per day
- 500-character message maximum
- 200 Moments (one-time starting credit only — not monthly)
- Memory: last 2-3 exchanges
- Character library browsing and chat
- No image generation, no video, no voice
Lite ($5.99/month)
- 100 messages per day
- 1,000 Moments per month
- Memory: approximately 14 days recall
- 3-second video clips available
- Image generation enabled
- Basic AI models
Plus ($9.99/month)
- Unlimited messages per day
- 3,000 Moments per month
- Memory: approximately 30 days with topic and tone awareness
- Full video and image generation access
- Standard AI models
- Best entry point for a functional platform experience
Premium ($19.99/month)
- Unlimited messages
- 8,000 Moments per month + 10% bonus on top-up purchases
- Unlimited memory with emotional timeline
- Time Machine feature
- Premium AI models
- 4x memory access multiplier
- +60% context length
Ultimate ($39.99/month)
- Unlimited messages
- 15,000 Moments per month + 15% bonus on top-ups
- Everything in Premium
- Group chats (up to 3 AI characters)
- Personas feature
- 6x memory access multiplier
- +100% context length
The Moments System Explained
Moments are Secrets AI's in-app currency. Every feature beyond plain text chat costs Moments.
Cost Per Action
| Action | Moments Cost | Notes |
|---|---|---|
| Text message | 1-2 Moments | Negligible per-use cost |
| Image generation | 25-50 Moments | Standard or Advanced model |
| Short video (3 sec) | ~50 Moments | Lite tier minimum |
| Full video clip | ~600 Moments | Most expensive per use |
| Voice call | 100 Moments/minute | Adds up quickly |
| Manual memory save | 10 Moments | Preserves specific info |
| New character creation | 1,000-1,500 Moments | First character free |
Monthly Reset Policy
Plan Moments allocations reset at the start of each billing cycle. Unused Moments from your monthly allocation do not roll over indefinitely. This is important for budgeting: if you have 3,000 Moments and only use 1,000, the unused 2,000 do not accumulate into next month's balance.
Bulk Moments Purchases
Additional Moments can be purchased at any time without changing your subscription:
| Bundle | Cost | Effective Rate |
|---|---|---|
| 1,980 Moments | $5.99 | ~$0.003/Moment |
| Larger bundles | Up to $249.99 | Up to 30.4% discount |
The 118,800 Moment bundle at $249.99 represents the largest available purchase with the deepest discount.
Annual vs Monthly Savings
If you plan to use the platform longer than 3 months, annual billing saves approximately 33%:
| Tier | Monthly Rate | Annual Rate | Annual Savings |
|---|---|---|---|
| Lite | $5.99 | $4.00/mo ($48/yr) | $23.88 |
| Plus | $9.99 | $6.67/mo ($80.04/yr) | $39.84 |
| Premium | $19.99 | $13.33/mo ($159.96/yr) | $79.92 |
| Ultimate | $39.99 | $26.67/mo ($320.04/yr) | $159.84 |
The quarterly option for Premium ($16.67/month) saves about 16.5% — a useful middle ground for users not ready to commit annually.
Real-World Moments Budget Math
How far does each tier's monthly allocation actually go?
| Tier | Moments | Equivalent Media Use |
|---|---|---|
| Lite (1,000) | 1,000 | ~20-40 images OR ~2-20 short videos OR ~10 min voice |
| Plus (3,000) | 3,000 | ~60-120 images OR ~5-60 videos OR ~30 min voice |
| Premium (8,000) | 8,000 | ~160-320 images OR ~13-160 videos OR ~80 min voice |
| Ultimate (15,000) | 15,000 | ~300-600 images OR ~25-300 videos OR ~150 min voice |
A realistic mixed-use scenario on Premium: 100 images (~4,000 Moments) + 5 full videos (~3,000 Moments) + 20 minutes voice (~2,000 Moments) = approximately 9,000 Moments. Slightly over allocation — either reduce slightly or use a small top-up. This is the type of monthly planning most Premium users need to do.
Choosing the Right Plan
The decision matrix:
| User Type | Recommended Plan | Reason |
|---|---|---|
| Just evaluating | Free | 200 Moments, 20 msg/day, no cost |
| Casual text user | Lite ($5.99) | 100 msg/day, some image access |
| Regular all-around use | Plus ($9.99) | Unlimited messages, full media access |
| Deep companion + media | Premium ($19.99) | Unlimited memory, Time Machine, 8K Moments |
| Power user / group features | Ultimate ($39.99) | Group chats, personas, 15K Moments |
For a detailed comparison of what free gives vs what paid provides, including the memory gap analysis, see the free vs premium comparison. For users considering competing platforms, the cheaper alternatives guide covers options at different price points.
Payment Methods and Billing
Accepted payment methods:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 per transaction)
Not accepted: American Express.
All charges appear on bank statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI companions, or adult content. Payment processing uses third-party providers; Secrets AI does not store card data directly.
Cancellation is available at any time, with access continuing through the paid billing period end date. Refund policy is not publicly documented.
FAQ
Yes. A free tier exists with no credit card required. You receive 200 one-time Moments, 20 messages per day, and memory covering 2-3 exchanges. Image and video generation are not available on free. The free tier is a demo of the platform's interface and conversation quality — sufficient for evaluation but not for regular use.
Yes. Moments top-up bundles are available independently from subscription tier changes. They start at $5.99 for 1,980 Moments. This means you can stay on Plus while buying additional Moments for a heavy video month, without upgrading to Premium permanently.
Monthly plan Moments reset at each billing cycle. Unused amounts from your monthly allocation do not accumulate. Purchased top-up Moments may have different rollover behavior — check your account balance for specific rules on purchased bundles.
Every Secrets AI charge — subscription fees and Moments purchases — appears as "Sun Clinical Laboratories" on your bank or credit card statement. No information about the platform's nature appears in the billing descriptor.