Secrets AI review 2026: free plan, Moments, safety and the real price

Published on 2026-11-10 by Bailey Vidova

Secrets AI gives a free account 20 messages a day, every day. That's the most useful free plan among the AI girlfriend apps I compared. Premium is $19.99 a month, or $109.99 a year. I took everything below from Secrets AI's own wiki, pricing page, terms and refund policy on 10 November 2026.

The basics

• A web app for AI roleplay and companions. You chat, and with Moments (its credits) you get pictures, videos and voice calls.
• Run by Secret Labs Inc., Dover, Delaware, USA.
• Premium: $19.99 a month, or $109.99 a year (about $9.17 a month). Ultimate: $39.99 a month, or $319.99 a year.
• 8,000 Moments a month on Premium, 15,000 on Ultimate.
• Free: 20 messages a day and 200 Moments once at signup.
• Web only. There's no App Store or Google Play app. You add the site to your home screen.

Secrets AI

Best free plan and best memory

4.6/5

Secrets AI is built around memory: lorebooks, several chats per character, and a "time travel" option that rewinds a story. Free gets you 20 messages a day and 200 Moments once, so you can try pictures before paying. Premium is unlimited chat and 8,000 Moments a month. Run by Secret Labs Inc. (USA), 4.5/5 on Trustpilot when I checked.

Best for: Long roleplay with strong memory, and a real free plan

Try Secrets AI

Pros

• 20 free messages every day
• Strong, configurable long-term memory
• Clear public costs for images, video and calls
• Billing shows as "S LABS INC"

Cons

• Group chat and lorebooks need the $39.99 Ultimate plan
• Monthly Moments do not roll over, and cancelling refunds nothing

Pricing

Monthly: $19.99 | Yearly: $9.17/mo ($109.99/yr) | Free plan: 20 messages/day + 200 Moments

Try Secrets AI

Is Secrets AI free?

Yes, for chat. A free account gets 20 messages a day, up to 500 characters each, with basic memory. Characters you create yourself are capped at 100 messages in total on the free plan. New accounts also get 200 Moments once, enough for about 4 pictures. Video and "time travel" (rewinding a story) need Premium.

You can even send a few messages as a guest before you make an account. I didn't find an official page that says how many.

Pricing and Moments

Both paid plans have unlimited messages, so Moments only pay for media. A picture is 50 Moments (100 for 2K), a voice call is 50 a minute, an extra character is 500, and a 5-second video is 320 to 1,200 depending on the style. So Premium's 8,000 Moments are about 160 pictures, or 160 minutes of calls, or a mix.

Ultimate adds longer messages, more memory, group chats, personas and messages the character sends first. For most people Premium is enough.

Two things to know. Monthly Moments reset on your renewal date and don't roll over. Moments you buy on top never expire. Some review sites still list "Lite" and "Plus" plans at $5.99 and $9.99. Secrets AI retired those, and existing members are being moved to Premium.

Is it safe and legit?

It's a real product from a named company, Secret Labs Inc., with public terms, a privacy policy and a refund policy. Your card statement says "S LABS INC", not Secrets AI. You can pay with Visa, Mastercard, Discover or crypto.

What I'd want to know before paying:

• The privacy policy says your data can be used to train and improve its AI models. Some review sites say chats are never used for training. The policy says otherwise.
• The site's marketing mentions end-to-end encryption. The privacy policy only promises encryption at rest and in transit, which is not the same thing.
• When you delete your account, your profile and chats are deleted right away. Billing records stay for 7 years.
• Age check is a "Yes, I am 18+" click. Characters based on real people are not allowed.

Cancelling and refunds

Cancel any time under Settings, Manage Subscription. You keep Premium to the end of the period you paid for, then go back to Free. There are no partial refunds, Moments are non-refundable, and crypto payments are never refunded. In the EU and UK you can withdraw within 14 days of your first purchase: a full refund if you didn't use premium features, a partial one if you did.

Is it worth it?

For long roleplay, yes. Memory is what Secrets AI is built around: lorebooks, several chats per character and rewinding a story to try another path. The free plan is real, so you can find out if you like it before you pay. Calls are cheaper per minute than on most apps I compared.

If you mostly want pictures and video, OurDream AI or Lovescape fit better. If you came from Character.AI, see Character AI alternatives. Everything else is in best AI girlfriend apps.

Questions

Is there a Secrets AI app or APK?

No. Secrets AI's own wiki says it's not on the App Store or Google Play. An "APK" from another site is not from Secrets AI. Use the website and add it to your home screen.

Does it have AI boyfriends?

Yes. When you create a character you choose the gender and a realistic or anime style. More in AI boyfriend apps.

Is Secrets AI the same as Secret AI?

No. Secret AI (secretai.io) is an unrelated offline assistant. Secrets AI is at secrets.ai.

What shows on my card statement?

"S LABS INC".

Published on 2026-11-10 by Bailey Vidova