Secrets AI Pricing 2026: Monthly, Annual & Ultimate Plans

Secrets AI costs $109.99 a year on the annual Premium plan, or $9.17 a month, or $39.99 if you pay month to month. These prices were displayed in the secrets.ai store on September 30, 2026; they only show up after you sign up, not on the public homepage.

The company, Secret Labs Inc., is a US business registered at 8 The Green, Suite D, in Dover, Delaware. Billing is in US dollars: if your card is in another currency, the amount charged depends on your bank’s exchange rate.

Premium unlocks Secrets AI’s companion features: chat, images, voice, short video, and long-term memory, in an interface available in English and several other languages at secrets.ai. Here’s what our review lists as of September 30, 2026:

• Chat with a large gallery of ready-made companions, realistic or anime;
• Character creator to set looks and personality;
• Long-term memory, meaning the companion’s ability to remember you from one session to the next, the platform’s main selling point;
• Images and voice generated by the companion;
• “Shorts,” Secrets AI’s short-video format;
• Advertised encryption of conversations and discreet billing (a neutral description on your bank statement).

Secrets AI is an adults-only platform, with explicit content by default. The exact allowances (number of images or Shorts included) are shown in the member area; we don’t put numbers on them here since there’s no public rate card. For the full experience, read our detailed Secrets AI review.

Ultimate is a paid add-on on top of Premium for $17.50 more per month, according to the Secrets AI store checked on September 30, 2026. It isn’t a standalone plan: it attaches to your existing subscription.

The details of Ultimate’s perks are shown in the store when you add it. We haven’t inventoried them precisely enough to list them here, and we’d rather not guess. Before you tick the box, ask yourself three questions:

1. What exact features does Ultimate add over Premium, and in what quantity?
2. Is it billed monthly even if your Premium plan is annual?
3. Can it be removed on its own, without canceling Premium?

For scale: kept for twelve months, the add-on comes to $210, almost double the $109.99 annual Premium plan. Start without it; you can add it later if Premium feels too limited.

The annual plan is by far the best value: $109.99 for twelve months versus $479.88 paying monthly, a $369.89 difference. The store even shows the annual plan with a “-77%” discount compared to monthly, which matches the ratio between $9.17 and $39.99.

The number that matters is the break-even point. Three months on the monthly plan cost $119.97, already more than the whole year. As soon as you know you’ll stay longer than two and a half months, the annual plan wins.

The monthly plan has only one upside: testing for a month without committing to $109.99. That’s pricey for a trial, which is why you should make the most of the free access first.

Yes, but only to a limited extent: Secrets AI offers restricted free access that lets you explore the interface and a few companions before paying. It’s enough to judge the writing quality and the characters’ style, not to evaluate long-term memory, which takes several days to assess.

Use this access to check three things before opening the store: do you like the companions’ tone, is the interface clear, and do the prices shown after signup match the ones in this article? For a roundup of free options on other apps, read our article on free AI girlfriends.

On the annual plan, Secrets AI is about average; on the monthly plan, it’s one of the most expensive options on the market. Here are the prices we recorded on September 30, 2026.

Candy AI has a lower headline price but a variable bill, since every piece of media uses tokens: our article on Candy AI’s real price puts numbers on that extra cost. The full matchup is in Candy AI vs Secrets AI. Nomi AI also bets on memory with a fixed price, but in English only; see Secrets AI vs Nomi AI. For a ranking by entry price, check our cheap AI girlfriend comparison.

The safest approach is to start with the free access, then choose a plan based on how long you expect to stay, with no add-ons at first. A few simple habits:

• Note the exact price in the store before paying: since prices are only visible after signup, they can change.
• Read what the “Upgrade -50%” button covers, shown in the sidebar on September 30, 2026: check which plan and which billing period the discount applies to.
• Write down the renewal date: the annual plan normally renews on the same cycle; set a reminder a few days before.
• Only add Ultimate after a month, once you know what you’re missing in Premium.
• Protect your privacy: a dedicated email and no sensitive data in your conversations, even with advertised encryption. Our tips are in the article on AI girlfriend privacy.

The discounts we’ve found on Secrets AI and other apps are collected, with their dates, on our promo codes page.