Secrets AI Pricing Explained: What $19.99 Actually Buys
Last updated: September 2026
Secrets AI is one of the few platforms in our rankings that publishes its prices — but the sticker price is only half the story, because the real economy runs on Moments, the platform's internal credit currency. Here's the full breakdown: the current plans, what 8,000 Moments actually buy, the annual math, and the legacy-plan wrinkle to know about.
The Current Plans: Free, Premium, Ultimate
Per the official Secrets AI wiki, the current lineup is three tiers. Here's what each one is for:
Free — $0
The free tier gives you 20 messages per day plus a one-time grant of 200 Moments at signup — enough for about four images at 50 Moments each. No card required. It's a genuine trial: enough to judge the chat quality and see the image output before spending anything.
Premium — $19.99/mo
The plan most people should look at. Premium includes 8,000 Moments every month, and annual billing drops the price to $109.99/yr — about $9.17 a month effective, less than half the monthly rate. If you know you'll stay, annual Premium is the best price on the platform.
Ultimate — $39.99/mo
The step-up tier for heavy use, at $39.99/mo or $319.99/yr (about $26.67 a month effective). If your usage pattern is media-heavy — especially video at 600 Moments per clip — this is the tier built for it.
Legacy Plans — the $5.99 and $9.99 Wrinkle
You may see references to an older four-tier grid with a $5.99 Lite and a $9.99 Plus plan. Those are legacy plans — Secrets runs a dedicated Legacy Plan Migration page for accounts still on them — and they're not what new subscribers are offered. Budget around the current three-tier lineup above, not the legacy prices.
The plans are only half the picture, though. Every image, video and voice minute is priced in Moments — so the question that actually decides value is what the monthly allowance buys. Here's the math.
The Moments Math: What 8,000 Actually Buys
Moments are Secrets AI's internal credit currency, and every media action has a fixed price: 50 Moments per image, 600 per video, 50 per minute of a voice call. Premium's monthly 8,000 Moments therefore translate to:
- Images. About 160 images per month at 50 Moments each — the most generous way to spend the allowance, and comfortably enough for daily image generation.
- Video. Roughly 13 videos per month at 600 Moments each, generated at up to 4K. Video is the most expensive single action on the platform — one clip costs the same as twelve images — so plan around it.
- Voice. Around 160 minutes of voice calls at 50 Moments per minute — about five minutes a day across a month. Every one of the 150 official companions is voiced, so the allowance applies to whichever companion you choose.
Premium or Ultimate: Which Should You Pick?
Premium at $19.99/mo is the right call for most people. 8,000 Moments cover a realistic month of mixed use — say, a hundred images plus a few videos, or images plus regular short calls — and on annual billing the effective $9.17/mo is genuinely competitive for what's included. Start here, watch your Moments balance for the first month, and let the data decide.
Ultimate at $39.99/mo ($319.99/yr) makes sense if your first Premium month runs dry — usually because of video, where every 600-Moment clip devours the equivalent of twelve images. One honest note either way: billing is recurring, so know the renewal price at checkout and manage the subscription from your account settings on the web if your usage changes.
5 Ways to Get the Most From Secrets AI Pricing
- Start on the free tier: 20 messages a day plus the 200 signup Moments are a real test of chat and image quality before any card is involved.
- If you decide to stay, buy annual: Premium at $109.99/yr is about $9.17 a month — less than half the $19.99 monthly rate.
- Budget video separately. At 600 Moments per clip, one video costs the same as twelve images — it's the single fastest way to drain the monthly 8,000.
- Remember voice calls meter per minute (50 Moments), not per call — a relaxed half-hour conversation costs 1,500 Moments, so keep an eye on the clock if voice is your main use.
- Billing is recurring: note the renewal price at checkout, and manage or cancel the subscription from your account settings on the web if your usage changes.
Frequently Asked Questions
How much does Secrets AI cost?
The current plans are Free, Premium at $19.99/mo and Ultimate at $39.99/mo. Annual billing drops Premium to $109.99/yr (about $9.17/mo effective) and Ultimate to $319.99/yr. Premium includes 8,000 Moments per month for images, video and voice calls.
What are Moments on Secrets AI?
Moments are the platform's internal credit currency, with fixed prices: 50 Moments per image, 600 per video, 50 per minute of voice calls. Premium includes 8,000 per month — about 160 images, roughly 13 videos or around 160 call minutes — and every new account gets 200 Moments free at signup.
Does Secrets AI have a free plan?
Yes — 20 messages per day plus 200 Moments granted at signup, with no card required. The Moments grant covers about four images, so you can judge both the chat and the image quality before paying.
Is Secrets AI annual billing worth it?
If you plan to stay subscribed, yes. Annual Premium is $109.99 — about $9.17 a month against $19.99 billed monthly — and annual Ultimate is $319.99 against $39.99/mo. The usual caveat applies: annual is paid up front and billing is recurring, so run a monthly cycle first if you're unsure.
Bottom Line: Fair Pricing — If the Moments Math Fits Your Usage
Secrets AI's pricing is refreshingly legible: published plans, a real free tier and an annual discount that cuts Premium to about $9.17 a month. The thing to go in understanding is the Moments meter — 50 per image, 600 per video, 50 per voice minute — because that, not the subscription, is what decides whether $19.99 covers your month. Match the allowance to how you'll actually use it and Premium is easy to recommend; heavy video users should look at Ultimate.
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