Secrets AI pricing: what Premium and the top tier really cost

Secrets AI pricing starts at $9.17 a month for Premium on a yearly plan, or $19.99 month to month, with unlimited messages and 8,000 Moments a month. Moments pay for everything beyond text (50 per picture, 50 a minute for calls, 600 for an adult video), and a higher tier adds 15,000 Moments, group chats and personas for more.

By AI Girlfriends Guide editorial team Updated September 29, 2026 How we rank

Every Secrets AI plan and price

Secrets AI sells a free plan and two paid tiers, each monthly or yearly. The table comes from its own subscription page and wiki, checked in September 2026:

Secrets AI plans and prices in US dollars, from its own pricing page (September 2026)
Plan	Month to month	Per month, paid yearly	Billed yearly	Includes
Free	$0	n/a	n/a	20 messages a day (tied to the device), basic memory, 500-character messages, S3 and X-3 chat modes; no Moments grant and cannot buy Moments, so no images, video or custom characters
Premium	$19.99	$9.17	$109.99	Unlimited messages, 8,000 Moments a month, 10% bonus on Moment purchases, S5 chat mode, video generation, bundles, premium memory, 1,000-character messages, time travel, priority support
Top tier	$39.99	$26.67	$319.99	Everything in Premium plus 15,000 Moments a month, 15% purchase bonus, S4 mode and Max thinking, 2,000-character messages, proactive messaging, personas, group chats (2 to 3 companions), personality editing

Its terms also mention 3-month and 6-month billing, paid up front. Older Lite and Plus plans still exist on some accounts, but they are being moved to Premium at renewal, with at least 14 days' notice by email. If you are on one of those, check the email before your next renewal date.

What Moments buy

What each action costs on Secrets AI (in Moments)
Message	0 (chat is not charged in Moments; Free is capped at 20 messages a day)
Picture	50 (1K or 1.5K); 100 for a 2K advanced image; +10 per extra reference photo; image edit 50
Video	Adult video 600; Standard and Advanced video vary by resolution and duration (cost shown on the Generate button)
Voice call, per minute	50 per minute of audio call
Notes	Custom character 500 (first one free). Grant Moments reset each renewal with no rollover; purchased Top-Up Moments never expire. Buying Moments needs a paid plan. Failed generations are refunded automatically. Moments are non-transferable.

Premium's 8,000 Moments a month works out to about 160 standard pictures, or 160 minutes of calls, or 13 adult clips if you spend them on one thing. The top tier's 15,000 covers about 300 pictures or 300 call minutes. Most people mix, so a realistic Premium month might be 80 pictures and an hour of calls.

Two rules decide whether you waste Moments. The monthly grant resets on your renewal date and does not roll over, while Moments you buy on top never expire. And buying extra Moments needs a paid plan, with a 10% bonus on Premium and 15% on the top tier. Failed generations are refunded to your balance automatically.

Yearly vs monthly: how much you save

Paying for a year brings Premium down from $19.99 to $9.17 a month, and the top tier drops by a similar share (see the "Per month, paid yearly" column above). The catch is that the full year is charged on day one, and Secrets AI does not refund the current period if you cancel.

The sensible order is one month first. Twenty free messages a day tells you whether you like the writing, but not whether the Lorebook memory is worth paying for, and that is the main reason to choose this app over cheaper ones. Once a month of Premium has shown you the memory at work, the yearly plan is the better deal. Our AI girlfriend cost calculator shows what a year costs next to other apps.

Renewal, price changes and refunds

Plans renew automatically. The terms promise at least 30 days' notice of a price rise, which then applies from your next renewal, so a yearly plan is protected from mid-term changes.

Refunds are narrow. Payments are non-refundable except where the law requires, canceling gives no refund for the current period, and Moments purchases are final. New subscribers in the UK and EU can withdraw within 14 days: in full if no premium features were used, with a proportional deduction if they were. Renewals are excluded. A billing error must be reported in writing within 30 days of the statement. Our guide to canceling Secrets AI has the steps.

How Secrets AI compares on price

Secrets AI prices next to three rivals, from each app's own pages (September 2026)
App	Cheapest plan	Month to month	Free plan	Renewal	Refunds
Secrets AI	$9.17/mo	$19.99/mo	20 messages a day, basic memory, 500-character messages; no Moments, so no images, video or custom characters	Not stated	No refund for the current billing period; access runs to the end of it
Candy AI	$3.99/mo	$13.99/mo	5 chat messages in total, 1 custom character and 1 generated image	Not stated	Only within 24 hours of payment, with 20 tokens or fewer used, card payments only
Nomi AI	$8.33/mo	$15.99/mo	One-to-one chat with 400-character messages and fewer daily selfies; group chats, video, voice messages and calls are paid	Not stated	No refunds for buyer's remorse, lack of use or partial months
Selira AI	$3.60/mo	$7.99/mo	Unlimited text chat, 2 custom companions, chat history kept 3 days, no monthly image or video credits	Not stated	Non-refundable except where law requires; technical problems reviewed within 14 days

Secrets AI is not the cheap option. Candy AI costs $3.99 a month on its yearly plan and Selira AI $3.60, against $9.17 here. What the higher price buys is 8,000 Moments a month included, editable long-term memory and live calls, none of which Candy AI's base plan has. Candy AI vs Secrets AI and Secrets AI vs Selira AI weigh those trade-offs, and our Secrets AI review covers the features plan by plan.

Frequently asked questions

How much is Secrets AI a month?

Premium costs $19.99 month to month, or $9.17 a month on the yearly plan, paid as one payment for the year. The top tier costs more and adds 15,000 Moments, group chats and personas.

Is there a Secrets AI promo code?

Not an official one. Secrets AI publishes no coupon code; its discounts are yearly billing, welcome Moments for new accounts and a 10% or 15% bonus on bought Moments for subscribers.

What are Moments on Secrets AI?

Moments are the site's currency for pictures, video, voice calls and extra custom characters. Premium includes 8,000 a month and the top tier 15,000. A standard picture costs 50 and a minute of calling costs 50.

Do Secrets AI Moments roll over?

The monthly grant does not: it resets on your renewal date. Moments you buy separately never expire, but you need a paid plan to buy them.

Can I pay for Secrets AI with crypto?

Yes. It takes more than 300 cryptocurrencies through NOWPayments, with a minimum purchase. Crypto plans cannot be resumed after canceling and must be bought again.

Does Secrets AI refund unused time?

No. Canceling stops the next charge but the current period is not refunded. New UK and EU subscribers can withdraw within 14 days, with a deduction if premium features were used.