Secrets AI Pricing: What Each Plan Costs and What You Actually Get

Before signing up for Secrets AI, there are two pricing layers to understand: the subscription cost and the Moments currency system layered on top. Missing either one leads to unexpected spending.

Here is the direct version: subscriptions range from free to $39.99/month. Every action beyond basic text chat (images, videos, voice, memory saves) costs Moments from your monthly allocation. This guide walks through both layers so you know exactly what you're buying.

For the platform overview, see the detailed review. For upgrade decision help, the free vs premium comparison breaks down what each tier jump actually delivers.

Subscription Tiers at a Glance

Five plans are available:

Free — $0/month

20 messages per day, 500-character limit per message, 200 starting Moments (one-time), basic short-term memory covering only the last 2–3 exchanges. No image or video generation. No monthly Moments replenishment.

Lite — $5.99/month ($4.00/month if billed annually)

100 messages per day, 1,000 Moments per month, basic long-term memory covering approximately 14 days. Video access unlocked (3-second clips on Lite). Image generation available.

Plus — $9.99/month ($6.67/month annually)

Unlimited daily messages, 3,000 Moments per month, 30-day memory with topic and tone awareness. Full video and image generation. Voice calls included. The most balanced plan for general use.

Premium — $19.99/month ($13.33/month annually)

Unlimited messages, 8,000 Moments per month with a 10% bonus on additional Moments purchases. Unlimited memory with a full emotional timeline. Time Machine feature. Premium AI models. 4x memory access and +60% context length. Quarterly billing at $49.99/month, biannual at $89.99.

Ultimate — $39.99/month ($26.67/month annually)

Everything in Premium plus 15,000 Moments per month with 15% purchase bonus. Group chats with up to 3 AI characters. Personas for identity-switching roleplay. 6x memory access and +100% context length. Quarterly at $99.99, biannual at $179.99.

The Moments System Explained

Moments are Secrets AI's in-platform currency. Your subscription gives you a Moments allocation each month; individual actions consume them. Here is what each action costs:

Text messages cost 1–2 Moments each. On any unlimited messaging plan, text is essentially free to run.

Image generation costs 25–50 Moments per image. Four images are automatically generated when you create a character (at no cost). Subsequent images draw from your balance.

Video clips are the most Moments-intensive option. A short 3-second clip costs approximately 50 Moments. A full-length clip costs approximately 600 Moments. One full video on the Lite plan (1,000 Moments total) leaves only 400 Moments for everything else that month.

Voice calls cost 100 Moments per minute. Extended voice sessions can consume a significant portion of lower-tier allocations.

Manual memory saves cost 10 Moments each. These let you explicitly bookmark a piece of information for the AI to retain reliably.

Custom character creation (after the first free character) costs 1,000–1,500 Moments per character.

Additional Moments can be purchased separately in bundles. The smallest bundle is 1,980 Moments for $5.99; the largest is 118,800 Moments for $249.99. Volume discounts reach up to 30.4% off the base per-Moment rate. Monthly subscription Moments reset each cycle and do not roll over.

Realistic Monthly Budgets by Use Pattern

Casual text user on Plus (3,000 Moments/month):

Unlimited text messaging barely touches your Moments. With 3,000 available: approximately 60–120 images, or 5 longer video clips, or 30 minutes of voice per month. Comfortable for light media use.

Regular media user on Premium (8,000 Moments/month):

A realistic mix — 100 images, 5 full-length video clips, and 30 minutes of voice — consumes roughly 7,500 Moments. That leaves 500 Moments as buffer. Premium works well for this pattern without needing Moments top-ups.

Heavy video creator on Ultimate (15,000 Moments/month):

With 15,000 Moments, you can generate approximately 25 full-length video clips per month alongside regular image and voice use. Plus 15% bonus on any additional purchases if you exceed the allocation.

Annual vs Monthly Savings

The annual discount is approximately 33% across all paid tiers:

• Lite: $5.99/month → $4.00/month annually (save ~$24/year)
• Plus: $9.99/month → $6.67/month annually (save ~$40/year)
• Premium: $19.99/month → $13.33/month annually (save ~$80/year)
• Ultimate: $39.99/month → $26.67/month annually (save ~$159/year)

For Premium and Ultimate, mid-commitment options exist: quarterly billing (Premium $49.99, Ultimate $99.99) and biannual billing (Premium $89.99, Ultimate $179.99) offer partial savings without a full year upfront.

The recommended approach: try monthly for two to three billing cycles to confirm your usage pattern, then switch to annual if the tier is right.

Choosing the Right Plan

Start by identifying your primary use case:

If you want to evaluate the platform before spending anything, start on Free. The 200 starting Moments and 20 daily messages are enough to test conversation quality and see how the character library looks.

If your priority is text conversation with occasional visuals, Plus at $9.99/month is the right entry. Unlimited messages, 3,000 Moments, and 30-day memory cover most users' needs without overpaying.

If you want persistent emotional memory and regular video use, Premium at $19.99/month is where the full platform experience activates. The emotional timeline memory and 8,000 Moments allocation handle moderate media use comfortably.

If you are a heavy creator who generates video regularly or wants group chat functionality, Ultimate at $39.99/month provides the Moments headroom and feature access to support that.

For anyone genuinely unsure: Plus is the safer default. It is easy to upgrade; most users do not need the full Premium memory suite immediately.

Payment and Billing Details

Accepted payment methods: Visa, Mastercard, virtual debit cards, and cryptocurrency (minimum $20 per transaction). American Express is not accepted.

Billing appears on your bank statement as "Sun Clinical Laboratories" — there is no mention of Secrets AI, AI platforms, or adult content in the charge descriptor. Subscriptions cancel at the end of the current billing period; access continues through the paid cycle.

No public refund policy is documented. Cryptocurrency payment provides the highest level of financial privacy if that matters to your use case.

FAQ