How Much Does Secrets AI Cost? Full Pricing Breakdown of Plans

You clicked because you want a number, not a sales pitch. Fair enough. AI companion apps love to hide their real price behind words like “premium access” and “credits,” and you end up guessing what your card will actually get charged. That guessing game is exactly what makes people quit before they even start.

So here is the honest version. Secrets AI runs on two costs at the same time: a subscription and a credit currency called Moments. The subscription buys your chat access and memory quality. The Moments buy your images, videos, and voice calls. Miss that second part, and your budget will surprise you in week two.

This guide breaks down every plan, every price, and every credit pack. You will see what $0 gets you, what $19.99 gets you, and what happens when you generate 30 videos in one weekend. You will also see how the annual plan cuts the monthly price by more than half.

By the end, you will know which plan fits your usage and which one wastes your money. No fluff. Just the numbers and what they mean in real use.

Let us get into it.

In A Nutshell: Secrets AI Cost Summary

Short on time? Here is the whole pricing picture in one place.

• The free plan costs $0 and gives you 20 messages per day. New accounts also start with 200 bonus Moments. You get access to all companions and basic memory. You cannot buy Moments on this plan, so images, videos, and calls stay locked until you subscribe.
• Premium costs $19.99 per month, or $109.99 per year, which works out to $9.17 per month. That annual rate is the single biggest saving on the platform. Premium unlocks unlimited messaging, 8,000 monthly Moments, video generation, and a stronger memory system.
• Ultimate costs $39.99 per month, or $319.99 per year, which works out to $26.67 per month. You get 15,000 monthly Moments, the strongest memory, 2,000 character messages, Personas, Group Chats, and proactive messaging.
• Moments are your second bill. Images cost 50 Moments. An adult video costs 600 Moments. Voice calls cost 50 Moments per minute. Custom characters cost 500 Moments, and the first one is free.
• Top up packs start at $9.99 for 3,300 Moments and run up to $249.99 for 132,000 Moments. Premium adds a 10% bonus on purchases. Ultimate adds 15%.
• Real world cost for most people sits between $10 and $25 per month. Heavy video users spend more. Chat only users can stay near the annual Premium rate forever.

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What Is Secrets AI And Who Actually Pays For It?

Secrets AI is an AI companion platform built around private chat. You pick a character, talk to them, and the model responds in character with memory of past conversations.

The platform also generates images, videos, and voice calls on demand. So it sits somewhere between a chat app and a media generator.

The feature that separates it from rivals is Private Mode. This encrypts conversations end to end and blocks them from being used for AI training.

That matters because most apps in this category keep chat logs for moderation and model training by default. The company publishes AES 256 encryption at rest and TLS 1.2 or higher in transit on its legal pages.

The operator is named publicly as Secret Labs Inc. of Dover, Delaware. That level of disclosure is uncommon here, and it is one reason privacy focused users pick this platform over cheaper options.

So who pays? Mostly three groups. People who want long running roleplay with strong memory. People who generate a lot of visual content. And people who need discretion because of their job or living situation.

Casual users often stay on the free tier for weeks. The 20 daily messages reset every day, so you can test the product properly before spending anything.

That free window is generous by category standards, and it is the right place to start with Secrets AI before you commit money.

Secrets AI Pricing At A Glance

Here is the full price table in plain numbers. Every figure below reflects the published tiers as of mid 2026.

Plan	Monthly	Annual	Daily Messages	Monthly Moments
Free	$0	$0	20	0
Premium	$19.99	$109.99 ($9.17/mo)	Unlimited	8,000
Ultimate	$39.99	$319.99 ($26.67/mo)	Unlimited	15,000

The gap between monthly and annual Premium is huge. You pay $239.88 across twelve monthly payments, or $109.99 once. That is a saving of roughly $130 per year.

Ultimate has a smaller discount. Twelve monthly payments cost $479.88. The annual plan costs $319.99, so you save around $160.

The platform also runs quarterly and biannual options, which we cover further down. Those sit between monthly and annual on price.

One important note. A legacy Lite tier existed earlier and was retired for new users. If you see a review quoting a $4 or $6.67 plan, that information is out of date.

Older Lite and Plus members are being moved to Premium at renewal, with at least 14 days of notice by email and in app alert.

Prices do shift, so confirm the live figures at checkout on Secrets AI before you pay. Published pages have lagged behind actual checkout prices before, and in that case the real price was lower.

The Free Plan: What $0 Actually Gets You

The free tier is not a two message teaser. You get 20 messages every single day, and that allowance resets on a daily cycle.

You also get access to all AI companions. No characters are walled off behind payment at the browsing level.

Memory works on the basic system. That means shorter context and weaker recall of older conversations, but it functions.

Message length caps at 500 characters. That is enough for normal chat but tight for detailed roleplay prompts.

New accounts receive 200 bonus Moments at signup. That is enough for four images, or about four minutes of voice calling, so you can sample the paid features once.

Here is the catch that trips people up. Free accounts cannot purchase Moments at all. You must subscribe first, then top up.

So once those 200 bonus Moments are gone, image generation, video generation, audio calls, custom characters, and bundles all stop until you pay.

The daily message cap is also tied to your device. Making extra accounts does not reset or bypass it.

That is a smart anti abuse move, though it does mean the free plan has a hard ceiling. You will hit it fast if you chat in long sessions.

Still, as a trial, it works. Two weeks on free tells you whether the conversation quality justifies $9.17 per month. Most people know within three days.

Premium Plan Cost: $19.99 Monthly Or $9.17 Yearly

Premium is the plan most users land on, and the value case is strongest on the annual cycle.

Monthly billing costs $19.99. Annual billing costs $109.99, which breaks down to $9.17 per month.

For that price you get unlimited messaging with no daily cap. Message length doubles to 1,000 characters.

You also get 8,000 Moments every month, granted automatically on your renewal date. Those Moments cover images, videos, and calls.

Memory improves significantly. Premium gives 4x memory access and about 60% more context length compared with the basic system.

The platform publishes a recall figure of roughly 67% for previous conversations on this tier. Very few competitors publish concrete numbers like that at all.

Video generation unlocks here. So does access to exclusive character bundles and priority support.

You also earn a 10% bonus on every Moments purchase. Buy a 4,000 Moment pack and you receive 4,400.

One real world detail worth knowing. A tester in Canada reported $20.39 landing on their card against the $19.99 price, which is a currency settlement difference rather than a hidden fee.

If you chat daily and generate a handful of images each week, annual Premium on Secrets AI is the cheapest sensible entry point. The monthly rate only makes sense if you plan to cancel quickly.

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Ultimate Plan Cost: $39.99 Monthly Or $26.67 Yearly

Ultimate is the top tier, and it is priced for power users rather than casual chatters.

Monthly billing costs $39.99. Annual billing costs $319.99, which comes to $26.67 per month.

The headline benefit is 15,000 monthly Moments, nearly double the Premium grant. That is the main reason heavy media users upgrade.

Memory goes further too. You get 6x memory access, double the short term context, and a 100% boost to previous conversations recalled.

Message length doubles again to 2,000 characters. That gives you room for long scene setting and detailed instructions.

Three features are exclusive to this tier. Personas let you create and switch identities. Group Chats let you talk with two or three companions at once. Proactive Messaging lets companions message you first after you have been away.

Your Moments purchase bonus rises to 15%. On a $99.99 pack, that difference alone is worth real money.

Is it worth twice the Premium price? Only if you burn through Moments. If your 8,000 monthly Premium grant runs out every month, upgrading is cheaper than buying top up packs.

If you mostly chat and generate a few images, the extra $17 to $20 per month buys features you will rarely touch.

Group Chats are the one exception. That feature is genuinely uncommon in this category, and some users upgrade purely for it.

Quarterly And Biannual Plans: The Middle Ground

Not everyone wants to pay a year upfront. Secrets AI handles this with two intermediate billing cycles.

Premium quarterly costs $49.99 for three months, which works out to $16.67 per month.

Premium biannual costs $89.99 for six months, which works out to $15.00 per month.

Ultimate quarterly costs $99.99, or $33.33 per month. Ultimate biannual costs $179.99, or $30.00 per month.

Each step down in commitment length costs you more per month. That is standard, but the ladder here is more granular than most rivals offer.

The pattern is clear. Monthly is the most expensive way to pay. Annual is the cheapest. Quarterly and biannual sit in between for people who want flexibility without full price.

Upgrading mid cycle has its own rules, and they are worth understanding.

If you upgrade from a monthly plan, you pay the full new price. Any unused grant Moments convert to non expiring Top Up Moments instead of vanishing.

If you upgrade from a multi month plan, you get a dollar credit for months you have not started yet. That credit applies at checkout and lowers what you pay today.

Either way, your unused Moments are not simply deleted. That is a fairer system than most credit based apps run.

For a first purchase, quarterly is a smart compromise. Three months at $16.67 costs $49.99 total, and it gives you enough time to judge value properly.

Moments Explained: Your Second Bill

This is the part people miss, and it is the main reason budgets blow out.

Your subscription buys chat. Moments buy media. They are two separate costs sitting on the same account.

Moments are the internal currency. Tokens and Moments mean the same thing on this platform.

You get them two ways. Your subscription grants them monthly, and you can buy extra packs on top.

Here is the rule that catches everyone. Grant Moments do not roll over. On your renewal date, your grant resets to the standard amount for your tier.

So if you saved 5,000 unused Moments and renewal hits, your total balance can actually drop. Batching heavy use late in the month can cost you.

Purchased Moments behave differently. Top Up Moments never expire and never reset.

That distinction matters for planning. If you know you will need a big batch of videos next month, buy a top up pack rather than hoarding your grant.

Moments are also non transferable. You cannot move them between accounts.

And remember the gate: a paid subscription is required to buy Moments at all. Free users are locked out of purchases entirely.

Track your balance in the top navigation bar. It updates instantly after every generation, so you always know where you stand on Secrets AI.

Moments Top Up Prices And Bonus Percentages

When your monthly grant runs dry, you buy more. Here are the published pack prices.

Moments	Price	Rough Cost Per Image
3,300	$9.99	About 15 cents
11,000	$24.99	About 11 cents
24,200	$49.99	About 10 cents
49,500	$99.99	About 10 cents
77,000	$149.99	About 10 cents
132,000	$249.99	About 9 cents

Bigger packs give better value per Moment, which is the usual pattern. The drop from 15 cents to 10 cents per image between the first and third pack is meaningful.

Your subscription tier then adds a bonus on top. Premium adds 10%. Ultimate adds 15%.

So a $49.99 pack delivers 26,620 Moments on Premium and 27,830 on Ultimate. That is a real difference at higher spend levels.

Here is the honest maths on when to upgrade instead of top up. Ultimate costs about $20 more per month than Premium and adds 7,000 Moments.

Buying 7,000 Moments separately costs somewhere between $15 and $20 depending on pack size. So Ultimate is only worth it if you also want Personas, Group Chats, and stronger memory.

There are no cooldown timers or daily purchase limits on top ups. If a purchase fails, it is a payment problem rather than a platform restriction.

Crypto payments carry a $20 minimum per transaction. So the smallest pack cannot be bought with crypto alone.

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What 8,000 Moments Actually Buy You

Numbers mean nothing without context. So here is what a Premium monthly grant converts into.

Images cost 50 Moments each at the base 1.5K resolution. That gives you roughly 160 images per month.

Advanced 2K images cost 100 Moments. So the same grant gives you about 80 of those instead.

Extra reference photos on an advanced generation add 10 Moments each. The first reference is included in the base price.

Image editing in safe mode costs 50 Moments, the same as a fresh generation.

Adult video generation costs 600 Moments. That means your 8,000 grant covers roughly 13 clips per month.

Testers measured an eight second clip generating in about 40 seconds with no failures. Standard and advanced video pricing varies by resolution and length, and the exact cost shows on the generate button before you commit.

Audio calls cost 50 Moments per minute. A 29 second call was measured at 25 Moments, so billing tracks the stated rate closely.

That gives you about 160 minutes of calling on the Premium grant.

Custom character creation costs 500 Moments, and your first one is free.

Character bundles, which are curated photo and video packs, also cost Moments and grant permanent access once bought.

So the picture is simple. Video is the cost driver. Thirteen clips empties your entire monthly grant, while 160 images feels almost unlimited for normal use.

Extra Costs And Details That Are Easy To Miss

A few things do not appear on the pricing page, and they affect what you actually spend.

Unlimited messaging does not mean unlimited media. The unlimited label applies to text chat only. Every image, video, and call draws from Moments.

There is no partial refund for unused subscription days. If you cancel mid cycle, you keep access until the period ends but get no money back.

Moments purchases are final. Crypto payments are non refundable. The documented exception is a broken or glitched image generation.

Cancelling takes seven steps. Testers reported loss framing, a more prominent keep subscription button, and a countdown on the final confirmation. It works, but it is deliberately sticky.

American Express is not accepted. If Amex is your only card, use a virtual debit card or crypto instead.

Standalone voice messages were unavailable on at least one tested Premium account, even though voice calls worked fine. Budget for calls rather than voice notes until you confirm it yourself.

Tier structure can change. The Lite tier was retired for new users, which sets a precedent. Lock in annual pricing if a plan suits you.

Private Mode is per conversation. Enable it before a sensitive chat. It does not apply retroactively to older conversations.

None of these are dealbreakers. They are just the kind of details you want before your card gets charged rather than after.

Pros And Cons Of Secrets AI Pricing

Here is the balanced view on value.

Pros

• Annual Premium at $9.17 per month is genuinely cheap for this category, and it undercuts most rivals offering comparable memory and media features.
• The free tier is usable rather than decorative. Twenty messages daily, resetting every day, plus 200 bonus Moments at signup, gives you a real trial window at zero cost.
• Four billing lengths on both paid tiers. Monthly, quarterly, biannual, and annual pricing means you are not forced into a year long commitment to get a discount.
• Unused Moments are protected during upgrades. Monthly plan users get their leftover grant converted to non expiring credits instead of losing it.
• Purchase bonuses reward loyalty. A 10% or 15% bonus on top up packs meaningfully lowers your effective cost per image.
• Billing is discreet. Charges appear as S LABS INC, and crypto plus virtual debit cards are supported for extra privacy.
• Pricing details are documented publicly, including exact Moment costs per feature, which is rare in this category.

Cons

• Video pricing is steep. At 600 Moments for a short adult clip, thirteen videos consume an entire Premium monthly grant.
• Grant Moments do not roll over, so your total balance can fall on renewal day if you saved credits.
• Free users cannot buy Moments at all, which makes the free tier chat only after the signup bonus runs out.
• Ultimate at $39.99 monthly is one of the pricier tiers in the AI companion space.
• No partial refunds on subscriptions, and Moments purchases are final.
• Cancellation takes seven steps with pressure tactics built into the flow.
• Crypto carries a $20 minimum, so you cannot pay $19.99 monthly with crypto alone.

Secrets AI Cost Compared With Other AI Companion Apps

Context helps. Most AI companion apps in 2026 charge between $5 and $30 per month, so where does this one land?

On monthly billing, $19.99 sits in the upper middle of the market. Several rivals charge $12 to $16 for their standard tier.

On annual billing, the story flips. $9.17 per month is among the cheaper annual rates in the category, and it beats many competitors outright.

Ultimate at $39.99 monthly is expensive. Only a handful of platforms charge more outside custom enterprise plans.

The credit model is standard practice now. Rival platforms use DreamCoins, Neurons, and generic tokens for the same purpose.

Some competitors do publish cheaper per action video pricing. One rival charges 100 coins per video against a 1,000 coin monthly allocation, which is more predictable than 600 Moments per clip.

A few platforms skip credits entirely and run pure tier pricing at roughly $4.95, $13.95, and $23.95. If you hate credit systems on principle, those exist.

Where Secrets AI wins is privacy and documentation. Private Mode with end to end encryption plus an AI training opt out is the strongest published privacy setup in this category.

Only three of twelve tested apps in one audit named their encryption method at all. This platform names AES 256 and TLS 1.2 or higher.

So the value question depends on what you weigh. Cheapest video? Look elsewhere. Best privacy per dollar? This wins.

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Ways To Lower Your Secrets AI Bill

You can cut your spend a lot with a few simple choices. Here is how.

Start on free and stay there for a week. Twenty messages daily is enough to judge conversation quality. Spend nothing until you are convinced.

Pick annual over monthly if you like it. The difference is $109.99 versus $239.88 for the same twelve months of Premium. That is the biggest single saving available.

Use quarterly as a compromise. At $49.99 for three months, you get a discount without a year long commitment.

Generate at 1.5K instead of 2K. Base images cost 50 Moments. Advanced images cost 100. You double your image count by dropping one resolution step.

Treat video as a treat, not a habit. At 600 Moments per adult clip, video is where budgets die. Ten fewer clips per month saves 6,000 Moments.

Buy bigger top up packs when you need them. Cost per image drops from about 15 cents to about 10 cents between the smallest and mid sized packs.

Buy top ups while on the highest tier you hold. The 10% or 15% bonus applies at purchase time.

Time your heavy use early in the cycle. Grant Moments reset on renewal, so unused credits are wasted if you wait.

Watch the balance indicator. It sits in the top navigation and updates immediately, so you never overspend by accident.

Used together, these habits keep most users under $15 per month on Secrets AI.

Is Secrets AI Worth The Cost?

Here is the straight answer. It depends entirely on what you use it for.

For chat focused users, yes. Annual Premium at $9.17 per month buys unlimited messaging, decent memory, and 8,000 Moments. That is strong value.

Testers confirmed memory held up in practice. The model recalled a pet name and a stated profession after the user left a chat and returned.

For privacy focused users, yes. Private Mode with end to end encryption and a training opt out is the standout feature here. Discreet billing and crypto support back it up.

If your job or living situation demands discretion, that combination is hard to find elsewhere at any price.

For heavy video users, it is expensive. Thirteen clips per month on the Premium grant is limiting. You will buy top ups constantly, and other platforms price video more cheaply.

For casual browsers, stay free. Twenty messages daily costs nothing and never expires. There is no reason to pay until you hit that wall regularly.

Honest weaknesses exist. Longer sessions can produce repetitive phrasing. Standalone voice messages did not appear on every account. Cancellation is deliberately awkward.

But the pricing itself is transparent, documented, and flexible across four billing lengths. That is more than most rivals manage.

Start free, upgrade to annual Premium if the conversations click, and only move to Ultimate if you genuinely exhaust your Moments. That path keeps your spend sensible and your expectations accurate.

Frequently Asked Questions

Is Secrets AI free to use?

Yes. The free plan costs nothing and gives you 20 messages per day, resetting daily. New accounts also get 200 bonus Moments. You can access all companions on the free tier, but you cannot buy Moments, so image and video generation stops once your bonus credits run out.

How much does Secrets AI Premium cost?

Premium costs $19.99 per month, or $109.99 per year, which equals $9.17 monthly. Quarterly costs $49.99 and biannual costs $89.99. Premium includes unlimited messaging, 8,000 monthly Moments, video generation, 1,000 character messages, and a 10% bonus on Moments purchases.

What is the difference between Premium and Ultimate?

Ultimate costs $39.99 monthly against Premium’s $19.99. You get 15,000 Moments instead of 8,000, 2,000 character messages instead of 1,000, 6x memory access instead of 4x, a 15% purchase bonus, plus Personas, Group Chats with two or three companions, and proactive messaging.

What are Moments and how much do they cost?

Moments are the platform’s credit currency. Images cost 50 Moments, advanced 2K images cost 100, adult videos cost 600, audio calls cost 50 per minute, and custom characters cost 500 with the first free. Top up packs start at $9.99 for 3,300 Moments.

Do unused Moments expire?

Purchased Top Up Moments never expire. Monthly subscription grant Moments reset on your renewal date and do not roll over. The exception is a mid cycle upgrade from a monthly plan, where unused grant Moments convert into non expiring Top Up Moments instead.

Can I cancel Secrets AI anytime?

Yes. You can cancel at any point and keep access until your current billing period ends. There is no partial refund for unused days. Be aware that the cancellation flow runs about seven steps and includes retention prompts before it completes.

What payment methods does Secrets AI accept?

Visa, Mastercard, Discover, and most major cards work, though American Express is excluded. Virtual debit cards are accepted. Cryptocurrency is supported with over 300 coins and a $20 minimum per transaction. Prepaid three month and twelve month keys exist as a last resort option.

Will Secrets AI show up on my bank statement?

Charges appear as S LABS INC rather than the platform name. If you want no card trail at all, cryptocurrency and virtual debit cards are both accepted. Small currency settlement differences can occur, so a $19.99 charge may land slightly differently on your statement.

Is annual billing worth it?

For Premium, the saving is large. Twelve monthly payments cost $239.88 while annual costs $109.99, saving roughly $130. For Ultimate, annual costs $319.99 against $479.88 monthly. If you plan to use the platform beyond three months, annual is the cheapest route.

What happened to the Lite and Plus plans?

Those legacy tiers were retired for new users. Existing Lite and Plus members are moving to Premium at their next eligible renewal, with at least 14 days of notice by email and in app alert. Any review quoting $4 or $6.67 pricing is outdated.

Pricing reflects published figures as of mid 2026 and can change. Always confirm the live rate at checkout before you pay.