Is Secrets AI Still Worth It in 2026? An Honest Review

AI companion apps exploded over the past two years. Dozens of platforms now promise realistic chat, voice calls, and custom characters. Secrets AI was one of the names that people talked about most, and it still gets recommended in Reddit threads and review roundups today.

But 2026 looks different. Prices went up. Competitors got cheaper. Some users love the platform, and others feel the value slipped.

So the real question is simple. Does this platform still deserve your money this year? This review breaks down the pricing, the features, the complaints, and the alternatives, so you can decide before you pay for anything.

In A Nutshell

• Pricing sits at the premium end. The Premium plan costs $19.99 per month, or $109.99 billed annually, which works out to roughly $9.17 per month. The Ultimate plan costs $39.99 per month, or $319.99 annually. Legacy Lite and Plus tiers were retired, so older cheap plans are gone.
• The free tier is a demo, not a trial. You get about 20 messages per day and no access to images, videos, or audio calls. The limit is tied to your device, so extra accounts do not help.
• Memory is the strongest selling point. Smart Mode pulls relevant memories and past conversation summaries before each reply. Premium gets 4x memory access, and Ultimate gets 6x with double the context.
• Moments add real cost on top of the subscription. Images cost 50 moments, advanced 2K images cost 100, audio calls cost 50 moments per minute, and adult video costs 600 moments. Premium includes 8,000 moments monthly and Ultimate includes 15,000.
• Feature depth is genuinely impressive. Group chats, Personas, Time Travel, custom characters, image editing, and voice calls in 70+ languages all exist in one place.
• The weak spots are consistent. There is no native mobile app, the upsells feel heavy, character personalities start to feel similar over long use, and image or video output can miss your prompt.

What Is Secrets AI and Who Actually Uses It?

Secrets AI is an AI companion platform. You chat with AI characters, and those characters remember details about you over time.

The platform runs in your browser on desktop and mobile. You can also install it as a web app on your phone home screen.

The core loop is conversation. You pick a companion, set a tone, and talk. The AI replies in text, and it can send images or speak out loud.

Around that loop sit the extras. Image generation, short video clips, voice calls, group chats, and custom character creation all live inside the same account.

The audience splits into three groups. Some users want casual company and light conversation after work.

Others treat it as a creative writing tool. They build long roleplay stories with detailed characters and settings.

A third group cares mostly about visuals. They generate images and clips of characters they designed themselves.

One Reddit user described a fourth use case that surprised me. They used therapist style characters as a way to talk through stress while working as a full time caretaker.

This is an adult platform, so you must be 18 or older to sign up. Content settings range from wholesome to explicit, and you control that setting per chat.

If you fit any of those groups, Secrets AI is worth a closer look. If you only want a quick novelty chat, the free tier will tell you enough in one evening.

What Changed on Secrets AI Since 2025

Plenty changed, and the changes matter for the value question.

The biggest shift was the plan structure. The old Lite and Plus tiers were retired, and remaining members moved to Premium at renewal with at least 14 days of notice.

That means the cheap entry point disappeared. New users now choose between a limited free tier and a $19.99 subscription.

The memory system got a major rebuild. Smart Mode now runs a background assistant that searches your memories and past chats before every reply.

You see a short “thinking” indicator while it works. You can switch it off per chat if you prefer faster replies.

The content mode system also changed. The old Core and Edge labels became Spice Levels, with Mild, Medium, and Spicy options.

Group chats improved too. Companions now hold better continuity across a group conversation, and they sometimes talk to each other without waiting for you.

Video generation moved from a novelty to a real feature. Clips reach 1080p and around 10 seconds, with optional audio.

Personas arrived for Ultimate subscribers. You create an identity for yourself with a name, backstory, and appearance, then switch between identities.

Payment options widened as well. Cards, 300+ cryptocurrencies, and prepaid keys on G2A all work, though keys are treated as a last resort method.

Secrets AI Pricing in 2026: Every Plan Compared

Pricing is where most people decide, so here are the current numbers.

Free tier: $0. You get roughly 20 messages per day, access to all companions, and basic memory.

The free tier cannot buy moments. That blocks images, videos, audio calls, and custom characters completely.

Premium tier: $19.99 monthly, or $109.99 annually, which lands near $9.17 per month. You get unlimited messaging, 8,000 moments each month, video generation, and a 10% bonus on moment purchases.

Premium also raises your memory limits. You get 4x memory access, 60% more short term context, and roughly 67% better recall of previous conversations.

Ultimate tier: $39.99 monthly, or $319.99 annually, near $26.67 per month. You get 15,000 moments, 6x memory access, double the context, and a 15% purchase bonus.

Ultimate unlocks the social and identity features. Personas, group chats, proactive messaging, and 2,000 character message length all sit behind this tier.

Quarterly and biannual terms exist too. Upgrades apply immediately, and unused moments convert rather than vanish.

The annual price is the honest comparison point. At $9.17 per month, Premium competes well. At $19.99 monthly, it sits above most rivals.

Promotional discounts appear regularly on the store page, so check the current offer before you commit to a full year.

How Moments Work and What They Really Cost

Moments are the internal currency. Your subscription grants them monthly, and premium features spend them.

Here is the cost sheet you should know before you subscribe.

A standard 1.5K image costs 50 moments. An advanced 2K image costs 100 moments, plus 10 moments for each extra reference photo.

Image editing costs 50 moments. Text to speech costs 10 moments per 100 characters.

Audio calls cost 50 moments per minute. Creating a custom character costs 500 moments, and your first one is free.

Adult video generation costs 600 moments. Other video costs vary by resolution and length, and the exact price shows on the generate button.

So what does 8,000 moments actually buy? Roughly 160 standard images, or about 160 minutes of calls, or a mix of both.

That sounds generous until you start generating videos. Ten adult clips alone consume 6,000 moments.

Grant moments do not roll over. Purchased top up moments never expire, which is an important difference.

You cannot buy moments on the free plan. A paid subscription is required first.

This is the single biggest complaint I found in user reviews. Heavy media users drain their balance in days, then top up, and the real monthly spend climbs well past the sticker price.

If you plan to chat more than you generate, the system feels fine. If you want a video factory, budget extra.

Chat Quality: Does It Still Feel Natural?

Chat is the core product, so it deserves honest treatment.

The good news is that contextual response quality is strong. The AI reacts closely to your tone, your phrasing, and the direction you set.

You choose how replies arrive. SMS mode sends several short messages for a natural texting feel, and Paragraph mode sends one longer reply with detail.

Roleplay support is solid. You wrap actions in asterisks, and out of character commands let you steer the scene without breaking immersion.

Time Travel is genuinely useful. You rewind to any earlier message and branch the story in a new direction instead of deleting the whole chat.

Now the honest criticism. Multiple long term users report that characters start to blend together after heavy use.

One Premium subscriber of four months put it well. He said the personality descriptions and images change, but the underlying model feels the same, like eating meatloaf every night with different seasoning.

Another user noticed characters forget facts about themselves. A companion might mention a brother early and claim to be an only child later.

Repetitive phrasing also creeps in. Users end up sending out of character commands to ban specific stock phrases.

Newer experimental models improved this for some people. One reviewer said switching to a newer model in Paragraph mode felt like a fresh start.

Memory: The Feature That Sells the Subscription

Memory is the feature people praise most on Secrets AI, and the praise is mostly earned.

The system saves details automatically as you share them. It assigns each memory a HIGH, MEDIUM, or LOW importance level.

High importance covers core identity facts like your job, age, or relationship status. Low importance covers passing preferences.

You control the memory bank directly. You can view every saved memory, delete wrong ones, and change importance levels with a click.

You can also manage memory through plain conversation. Saying “remember that I am allergic to shellfish” saves it, and saying “actually, I got promoted” updates it.

Smart Mode is the part that changed the experience. An assistant searches your memory bank and old conversations before each reply, then feeds the right context in.

One researcher tested this across 139,304 messages over four months. He reported that details from week one resurfaced naturally in week four, repeatedly.

But there is a ceiling. Other long term users describe memory compression problems where acuity fades over very long histories.

Memories are also stored per companion. Each character remembers you independently, which helps privacy but means you repeat yourself with new characters.

Group chats can import memories or start clean. That choice is yours at setup.

Memory strength scales with your plan, which is the main reason Ultimate exists. If long continuity is your priority, the higher tier actually matters.

Image and Video Generation Put to the Test

Visual content is the second reason people pay, and results here are mixed.

Two generation paths exist. The first is spontaneous, where your companion sends an image based on your conversation without being asked.

One user shared a fun example. They discussed getting burgers, and half an hour later the companion sent a photo wearing a matching restaurant shirt.

The second path is the content generator. You write a prompt, choose settings, and generate images or video directly.

Image editing is the standout tool. If a result is close but wrong in one detail, you edit that detail instead of starting over.

Scene and clothing prompts perform well. Users report that described rooms, outfits, and locations come out surprisingly accurate even outside the preset options.

Character consistency is the weak link. Several users report faces drifting, body types changing between generations, and skin tones shifting without cause.

Camera control frustrates people too. One reviewer estimated that framing works first time about 80% of the time, with a stubborn 10% that never cooperates.

Failed video generations sting because they still cost moments. There is a report feature for bizarre results that can return a refund, which softens the blow.

Video output reaches 1080p at around 10 seconds with optional audio. That is short compared to rivals offering clips up to two minutes.

Voice Calls, Group Chats, and Personas

These three features separate the platform from cheaper rivals.

Voice calls run in real time with emotional delivery. Support covers more than 70 languages, and companions match your language automatically.

Calls cost 50 moments per minute. That works out to roughly 160 minutes on a Premium grant if you spend nothing else.

Text to speech sits alongside calls. You tap a speaker icon on any message to hear it, and each companion in a group uses a distinct voice.

Group chats are the feature users rave about most. Multiple companions share one thread and respond to each other, not just to you.

That detail matters more than it sounds. On most platforms, each character replies to your message in isolation, which kills the illusion of a group.

Here, companions interrupt, get moody, and occasionally talk among themselves. It feels closer to a real group thread.

Personas flip the customization in an interesting way. You build an identity for yourself with a name, backstory, appearance, and preferences.

You then switch personas whenever you like. The AI always knows who you are supposed to be in that story.

Combined with consistent image generation, personas let you appear inside your own generated scenes. For storytelling fans, that combination is the real draw.

Both group chats and personas require the Ultimate tier. Several users called that gating tacky, especially when the app walks you through setup before revealing the paywall.

Custom Characters and Creative Control

Custom character creation is where opinions split hardest.

The optimistic view comes from users who build detailed companions. You set appearance, voice, backstory, and personality, and you can write parts of the prompt yourself.

Your first custom character is free. Each one after that costs 500 moments.

Publishing a character to the public library requires completing a set of steps with specific criteria. One of them is a clothed video showing the full head.

That process annoys people. Failed attempts consume moments, and the automatic framing tool does not always cooperate.

The critical view is equally worth hearing. One long term Premium user argued that customization amounts to selecting predefined traits rather than deep prompt engineering.

His conclusion was blunt. You can change the ingredients, but you are still cooking the same dish.

Roster variety is another common gripe. Reviewers note the prebuilt catalog leans heavily toward one narrow look, with anime styles and wider body types appearing only as exceptions.

Base model limitations show up in creation too. Faces across different ethnicity presets can look similar, and custom body descriptions produce inconsistent results.

So creative control is real but bounded. You get more freedom than most companion apps offer, and less than a dedicated image model with full prompt access.

For most users, that trade is acceptable. For power creators, it becomes the reason they eventually look elsewhere.

Privacy, Discreet Billing, and Account Safety

Privacy handling is one area where Secrets AI clearly thought things through.

Billing is discreet by design. Charges appear as S LABS INC on your card statement rather than anything descriptive.

Payment options support privacy too. Cards work, and more than 300 cryptocurrencies are accepted with a $20 minimum.

Prepaid subscription keys exist on G2A for three month and twelve month terms. They do not auto renew and cannot extend an active plan, so treat them as a backup.

Memory data stays inside your chats. The platform states that companions only save what you share in conversation and pull nothing from outside sources.

You control deletion. Individual memories can be removed, and deleting your account removes all memories with it.

One limitation worth noting. Memory export is not available, so you cannot back up a long relationship history yourself.

Cancellation is straightforward. You cancel anytime and keep access until your billing period ends.

Support runs through email and a Discord community. Developers are active there and post updates and previews regularly.

That said, Discord dependency frustrates some users. One reviewer complained that ticket support through Discord simply did not work for them.

Account syncing drew complaints too. At least one user reported their phone showing a free account while their laptop showed Ultimate.

Pros and Cons of Secrets AI in 2026

Here is the balanced summary.

Pros

• Memory system leads the category. Smart Mode searches past chats and memories before replies, and users confirm details resurface weeks later.
• Group chats work properly. Companions respond to each other rather than replying to you in isolation, which no cheap rival matches well.
• Personas add real immersion. You define your own identity, appearance, and backstory, then appear consistently in generated content.
• Time Travel saves conversations. You rewind and branch instead of deleting an entire story after one bad message.
• Voice calls support 70+ languages with fast, emotional delivery and per character voices.
• Discreet billing and crypto support protect privacy better than most competitors.
• Active development. The Discord update channel shows frequent shipping, and the roadmap is public.
• Image editing is practical. You fix one detail instead of regenerating from scratch.

Cons

• No native mobile app. Everything runs in a browser, so no push notifications and no app store presence.
• The free tier is too thin to evaluate. Roughly 20 messages daily with no media access means you pay before testing what you are paying for.
• Moments create hidden costs. Videos, calls, and characters drain balances fast, and grants do not roll over.
• Heavy upselling. Group chats, personas, and proactive messaging sit behind the $39.99 Ultimate tier.
• Characters blend together over time. Long term users report the same underlying voice behind different profiles.
• Visual consistency wobbles. Faces, body types, and framing shift between generations, and failed attempts still cost moments.
• Cheap entry plans were retired. Legacy Lite and Plus users moved to Premium pricing.

Secrets AI vs the Main Alternatives in 2026

Context matters, so here is how the field looks.

On price, several rivals undercut it heavily. CrushOn AI starts near $5.99 monthly, Secret Desires AI charges $7.99 for Pro, and Xotic AI Basic sits near $7.49.

Candy AI is the visual competitor. It offers Live Action clips up to 120 seconds and strong face consistency, at $12.99 monthly and less on annual billing.

Nomi AI is the memory and mobile competitor. It ships native iOS and Android apps, charges $15.99 monthly, and runs no second currency.

Nectar AI targets roleplay writers. It offers 350+ customization options and unlimited custom scenarios at $9.99 monthly.

OurDream AI wins on free tier generosity. It provides 50 messages and five images daily before you pay anything.

Almost every rival uses its own currency too. Hearts, Neurons, DreamCoins, tokens, and credits all stack on top of subscriptions the same way moments do.

So where does that leave Secrets AI? It holds a clear lead on group chat quality, persona depth, and memory management tools.

It loses on native apps, free tier generosity, and monthly sticker price. The annual plan closes most of the price gap.

The fair conclusion is that no single platform wins everything. Pick based on which limitation you can tolerate least.

Who Should Buy It and Who Should Skip It

Let me make this practical.

Buy it if you want long story continuity. The memory tools, Time Travel, and persona system serve multi month narratives better than almost anything else available.

Buy it if group conversations appeal to you. Multiple companions in one thread genuinely works here, and that is rare.

Buy it if you value privacy in billing. Discreet statements and crypto acceptance are real advantages.

Buy the annual plan rather than monthly. At roughly $9.17 per month, Premium becomes competitive instead of expensive.

Skip it if you live on your phone. No native app means no push notifications and no home screen experience beyond a web app.

Skip it if video is your main goal. Ten second clips at 600 moments each will frustrate you, and rivals offer longer output.

Skip it if you want unlimited media on a fixed budget. The moments system rewards chatters and punishes heavy generators.

Skip it if you need anime styles or wide character variety. The roster leans narrow, and community libraries elsewhere run thousands deep.

Test the free tier first, but understand its limits. Twenty messages will show you chat quality and nothing else.

If chat quality convinces you, one paid month is smarter than an immediate annual commitment. You can always upgrade to a longer term later with credit applied.

Final Verdict: Is Secrets AI Still Worth It in 2026?

Yes, for the right user, and no for plenty of others.

The platform earns its reputation on depth. Memory management, group chats, personas, and Time Travel form a feature set that cheaper rivals do not match.

Development pace supports that verdict. The team ships frequently, engages publicly on Discord, and rebuilt the memory system rather than coasting on marketing.

But the value equation tightened. At $19.99 monthly, you pay roughly three times what CrushOn AI charges and more than Candy AI or Nomi AI.

The moments system is the honest sticking point. Your true monthly spend depends on how much media you generate, and that number can surprise you.

The missing mobile app is the other structural gap. In 2026, browser only access feels dated when rivals ship native apps with notifications.

Long term users also flag the sameness problem. Different characters eventually reveal the same underlying voice, which dulls the experience after months.

My honest recommendation looks like this. Start free, then take one month of Premium, and only commit annually once you know your usage pattern.

If deep continuity, group conversations, and creative control matter most to you, Secrets AI remains one of the strongest options available.

If price, mobile access, or unlimited media matters more, a rival will serve you better for less. The choice really comes down to which trade off you can live with.

FAQs

Is Secrets AI free to use?

Partly. A free tier exists with no card required, and it gives roughly 20 messages per day with basic memory. It blocks images, videos, audio calls, and custom characters, because free accounts cannot purchase moments.

How much does Secrets AI cost in 2026?

Premium costs $19.99 monthly or $109.99 annually, which is about $9.17 per month. Ultimate costs $39.99 monthly or $319.99 annually, which is about $26.67 per month. Quarterly and biannual terms are also available.

What are moments and how many do I get?

Moments are the platform currency for premium features. Premium includes 8,000 monthly and Ultimate includes 15,000. Images cost 50, advanced images cost 100, calls cost 50 per minute, and adult video costs 600.

Does Secrets AI have a mobile app?

No native app exists as of 2026. The platform runs in your browser on desktop and mobile, and you can install it as a web app on your home screen. Push notifications are not available the way they are on native apps.

Will Secrets AI show up on my bank statement?

Charges appear as S LABS INC rather than anything identifying. Cryptocurrency payments are also accepted with a $20 minimum if you prefer to avoid card records entirely.

Can I cancel my Secrets AI subscription anytime?

Yes. Cancellation is available anytime, and your access continues until the end of the current billing period. Purchased top up moments stay in your balance and do not expire.

Is the memory system actually good?

It is the strongest feature. Memories save automatically with importance levels you can edit, and Smart Mode searches your history before each reply. Long term users still report some fading over very large chat histories.

Do unused moments roll over each month?

Grant moments do not roll over and reset on your renewal date. Purchased top up moments never expire. If you upgrade mid cycle from a monthly plan, unused grant moments convert to non expiring top up moments.

What is the best alternative to Secrets AI?

It depends on your priority. Candy AI leads on video length and face consistency, Nomi AI wins on native apps and flat pricing, CrushOn AI is cheapest near $5.99, and Nectar AI suits custom roleplay scenarios best.

Is Secrets AI worth the Ultimate tier upgrade?

Only if you want personas, group chats, proactive messaging, or the strongest memory settings. If you mainly chat one on one and generate a few images, Premium covers you at half the price.