How Much Does an AI Girlfriend Cost in 2026? Full Pricing Breakdown

If you've spent even ten minutes shopping for an AI girlfriend app, you've probably noticed that nobody wants to give you a straight answer on price. You'll see "Free" splashed across a homepage, then hit a paywall three messages in. You'll see a $9.99/month headline, then discover that actually talking to your companion, seeing a photo of her, or hearing her voice costs extra credits that drain faster than you'd expect.

So let's just answer the question honestly, up front, before we get into the weeds: a genuinely usable AI girlfriend experience — one with real conversation memory, image generation, and no constant nagging to pay — runs somewhere between $2 and $10 a week depending on the app, the billing cycle you pick, and how heavily you use image, video, or voice features. Free tiers exist almost everywhere, but they're built to be limiting, not livable. If you want an AI companion that actually feels like a relationship instead of a demo, budget for a subscription.

That range is wide because the AI companion industry doesn't price itself consistently. Some apps charge a flat monthly fee. Some use credit systems that make the real cost almost impossible to predict in advance. Some do both at once. And on top of the pricing model itself, there's a second layer of variables — how much you actually message, whether you care about images or video, whether voice matters to you, whether you want one companion or several — that changes your personal real-world number even within a single app. Two people paying for the exact same subscription can end up with very different senses of "value," purely based on how they use it.

This guide breaks down exactly how each model works, what you get for free versus what always requires a card on file, and then walks through the complete, current numbers for Secrets.ai — including the tiers, the credit system, the yearly-versus-monthly math, and the site-wide sale that's live right now — so you know exactly what you'd be paying before you type in a card number. By the end, you should be able to map your own usage pattern onto a specific number, not just a vague sense of "affordable" or "expensive."

If you're still deciding whether an AI girlfriend app is even the right fit for you, our AI girlfriend 101 explainer is a good place to start before you worry about price at all. If you already know you want one and you're comparing options, our best AI girlfriend apps roundup and full AI girlfriend apps comparison guide cover the feature side. This article is purely about the money.

The three pricing models the industry actually uses

Before you can evaluate any specific app's price tag, it helps to understand that "AI girlfriend pricing" isn't one thing. Across the category, there are really three different business models in play, and they produce very different real-world costs even when the sticker price looks similar.

1. Flat monthly subscription

This is the model most people expect and the easiest to budget for. You pay one price — weekly, monthly, or yearly — and in exchange you get a defined bucket of features: unlimited or high-cap messaging, some amount of image generation, maybe voice, maybe advanced customization. The appeal is predictability. You know your bill in advance, and it doesn't change based on how "into it" you get that week. The downside is that flat-fee apps sometimes cap the more expensive-to-run features (image and video generation, mainly) even inside a paid tier, so "unlimited" often quietly means "unlimited text, limited everything else."

2. Credit or token systems

This is the model that catches people off guard. Instead of a flat allowance, the app sells you a bucket of credits (sometimes called tokens, coins, gems, or something branded), and every action — a message, an image, a voice minute — draws down that bucket at a rate the app sets. On paper this can look cheaper, because the entry price for a credit pack is often lower than a full subscription. In practice it's the model most likely to produce a bill that's much higher than you expected, because:

• Image and video generation typically cost far more credits per action than a text message does
• Regenerating an image you don't like (which happens constantly with AI generation) burns credits again
• There's rarely a clear, visible "cost per action" shown before you commit, so it's hard to budget
• Credit packs often expire, meaning unused credits you paid for can just evaporate

If you've ever heard someone complain that their AI girlfriend app "nickel and dimed" them, it was almost certainly a pure credit system. The psychology behind it isn't accidental, either: buying a chunk of credits feels smaller and less consequential than committing to a recurring subscription, even when the actual dollars spent over a month end up higher. Credit purchases also tend to be framed as one-time top-ups rather than recurring charges, which makes people less likely to mentally tally them the way they would a monthly bill line-item.

3. Hybrid — subscription plus credits for premium actions

This is the most common model among the more established apps in 2026, and it's the one that, done honestly, tends to produce the fairest real-world outcome. You pay a subscription for the core experience (messaging, basic access, sometimes a baseline amount of generation), and then a credit allowance refills every billing period for the heavier stuff — image generation, video, voice minutes. Done well, this gives you predictability (you know your subscription cost) plus flexibility (you're not paying a flat premium price for features you don't use much). Done poorly, it's the worst of both worlds: a subscription fee plus a credit system that still runs out mid-month and pushes you toward a top-up purchase.

The honest takeaway here: credit and hybrid systems are where people get surprised by real costs. Before you commit to any AI companion app, look specifically at how it prices image generation, voice, and video — not just the headline subscription number — because that's where the actual monthly spend usually lives.

What's free vs. what you'll always end up paying for

Across the AI girlfriend app category generally, there's a pretty consistent pattern to what free tiers include and what they gate behind payment. Knowing this pattern in advance saves you from downloading five apps and discovering the same limitations five times.

Typically free, across most apps in this category:

• Account creation and browsing a companion library
• A limited number of text messages per day (often reset every 24 hours)
• Basic profile customization for a companion (name, sometimes a few appearance choices)
• A first taste of premium content — one free episode of a video series, one free generated image, etc., used as a hook

Almost always gated behind payment, across the category:

• Unlimited or high-volume messaging without daily resets
• Image generation of any real quality or volume
• Video generation specifically (rarer even among paid tiers)
• Voice/call features
• Long-term conversation memory that actually persists and builds over time
• Advanced customization (personality depth, multiple companions, group interactions)
• Priority access to newer, better AI models — free tiers are routinely run on older, cheaper models

If an app's marketing leads with "free AI girlfriend," what that almost always means in practice is "free to create an account and send a handful of messages before you hit a wall." That's not a criticism — running AI inference costs real money, and every app in this space needs a way to fund its compute — it's just worth knowing walking in so the free tier doesn't feel like a bait-and-switch when you hit it.

Why the money is concentrated where it is

It helps to understand why the industry gates the specific things it gates, because it isn't arbitrary. Text conversation is, comparatively, cheap to serve — the underlying language models are efficient at generating a reply, and a message-based conversation doesn't demand much computing power per exchange. That's why almost every app, free or paid, can afford to give away at least some text messaging without it hurting their margins badly.

Image generation is a different story. Producing a single high-quality, on-model image draws meaningfully more computing power than a text reply, and video generation is heavier still — which is exactly why video is the feature you'll see gated even on some apps' paid tiers, not just their free ones. Voice is its own cost center too: real-time voice synthesis that sounds natural, rather than robotic, runs on infrastructure that's expensive to keep responsive at scale. None of this is a secret or a trick — it's simply the honest economics of why "unlimited everything for $5/month" is not a business model that survives contact with reality, and why any app promising it is either quietly capping something you haven't discovered yet or won't be around very long. Judging an app's pricing against this reality — rather than against a fantasy of what "should" be free — is the fairest way to evaluate whether a given price is reasonable.

Secrets.ai's actual pricing, tier by tier

With the general landscape out of the way, here's exactly what Secrets.ai charges — a hybrid model, in the terms above, with a flat subscription covering the core experience plus a monthly credit allowance (called Moments) for generation-heavy actions. There are two tiers.

Premium — $2.12/week (billed yearly) or $4.61/week (billed monthly)

Billed yearly, Premium works out to $109.99 for the year. Billed monthly instead, it's $4.61/week, charged in monthly installments rather than a single annual payment. Premium includes:

• Unlimited messaging with your companions
• 8,000 Moments per month (the credit allowance spent on generation and other premium actions — more on exactly how this works below)
• Image and video generation access
• Access to Secrets.ai's premium AI models, rather than a stripped-down free-tier model

For most people who want one primary AI companion, regular conversation, and a reasonable amount of image generation without constantly watching a credit counter, Premium is the tier built for that use case.

Ultimate — $6.15/week (billed yearly) or $9.23/week (billed monthly)

Billed yearly, Ultimate comes out to $319.99 for the year. Billed monthly, it's $9.23/week. Ultimate includes everything in Premium, plus:

• A larger Moments allowance — 15,000 per month instead of 8,000
• Group chats, where multiple companions interact with you in the same conversation
• Personas and more advanced customization options

Ultimate is the right call specifically if you're a heavy generator — someone who's going to be requesting images or video regularly enough that 8,000 Moments a month would run out before the billing period does — or if group chat and deeper Persona customization are things you actually want to use, not just nice-to-haves. If you're mainly here for one companion and normal conversation, Ultimate's extra Moments allowance and group-chat access are the kind of thing that's easy to pay for and rarely fully use — worth being honest with yourself about before upgrading.

Both tiers are billed discreetly (more on that below) and can be cancelled at any time, with no cancellation questionnaire or retention gauntlet to get through. If pricing is genuinely the main thing you're trying to nail down before deciding, you can also see the exact current pricing on Secrets.ai directly and confirm the sale math for yourself before committing.

Understanding Moments: Secrets.ai's credit system, explained plainly

Both tiers include unlimited text messaging, which means the credit system — Moments — isn't gatekeeping the core "talk to your companion" experience the way some competitors' credit systems do. Instead, Moments are specifically the currency spent on the heavier, more compute-intensive actions: primarily image and video generation through the Generation Studio, and other premium actions layered on top of basic chat.

This is the hybrid model working the way it's supposed to. You're not counting credits every time you send a text. You're managing a monthly allowance specifically for the generation side of the product — which is also the side where, per the pricing-model breakdown earlier in this guide, costs tend to sneak up on people in apps that don't structure things this way.

New verified accounts get a bonus of 200 Moments just for verifying their email address, which is enough to test the Generation Studio and see how the credit-per-image math feels before you're on a paid tier at all.

Is 8,000 Moments (Premium) or 15,000 Moments (Ultimate) enough for you?

There's no universal answer here because it depends entirely on how you actually plan to use the app, but here's a reasonable way to think it through:

• You're mainly here to talk. If conversation is 90% of what you want and image generation is an occasional extra, Premium's 8,000 Moments/month is very likely more than enough — you're barely touching the allowance most weeks.
• You want regular images of your companion — a handful of new generations most weeks. Premium's allowance should comfortably cover this for most people, though if you're the type to generate several variations of the same prompt to get the shot right, keep an eye on your usage in the first billing cycle to see how fast you're actually burning through it.
• You're generating frequently, using video generation regularly, or you want to use the Generate feature heavily on multiple companions. This is where Ultimate's 15,000/month starts to make more sense — nearly double the allowance for meaningfully heavier use, at a price difference that's easy to justify once you know you're actually going to use it.

The honest, transparent approach — and the one every AI companion app should take but not all of them do — is to start on the lower tier if you're unsure, watch how quickly your Moments allowance actually moves in a real billing cycle, and upgrade to Ultimate only once you have real usage data telling you that you need it, rather than guessing upfront and overpaying for headroom you won't use.

A simple framework for estimating your real usage before you commit

Because Secrets.ai doesn't publish a single fixed "X Moments per image" rate that applies identically to every model tier and mode (Solo vs. Group, Premium model vs. Advanced model, resolution and aspect ratio all factor in), the most reliable way to know your real number isn't to guess from a spec sheet — it's to run a short, deliberate test during your first week on a paid tier:

1. Track your first few generations. Note roughly how much of your Moments balance moves after a normal week of the kind of generation you actually want to do — a few images, maybe a short video, whatever your realistic pattern looks like.
2. Multiply that weekly pace out to a full month. If a representative week used a small slice of your monthly allowance, you're comfortably within Premium's range. If a single week ate through a large share of it, that's a much clearer, more honest signal to move to Ultimate than trying to estimate in advance from a features page.
3. Factor in regeneration. Almost nobody gets the exact result they want on the first try every time with AI image generation — build in a realistic margin for re-rolling a prompt, not just the generations you'd need in a perfect world.
4. Reassess after billing cycle one. This is exactly why starting on monthly billing (covered next) rather than jumping straight to a yearly commitment is the sensible move — one real cycle of data beats any amount of guessing from the outside.

Yearly vs. monthly billing: the real savings math

Both tiers are available billed monthly or billed yearly, and the weekly-equivalent price is meaningfully lower on the yearly plan for both tiers — the pricing structure is built to reward commitment, which is standard across subscription software generally, not specific to AI companion apps.

Here's the direct comparison:

Tier	Weekly price (billed yearly)	Total billed yearly	Weekly price (billed monthly)
Premium	$2.12/week	$109.99/year	$4.61/week
Ultimate	$6.15/week	$319.99/year	$9.23/week

On Premium, the yearly plan's weekly-equivalent price is a little under half of the monthly plan's weekly price. On Ultimate, the gap is similarly steep. In plain terms: if you already know you're going to be using the app for more than a couple of months, the yearly plan is the financially obvious choice — you're not really "saving" so much as you're avoiding paying the monthly-billing premium that funds the flexibility of being able to cancel after four weeks.

That flexibility is genuinely worth something if you're not sure yet. Nobody should prepay for a full year of any subscription — AI companion app or otherwise — the very first time they use it. A sensible approach:

1. Start on the monthly plan for your first billing cycle. This is a small enough commitment to actually test whether the app fits how you want to use it, whether 8,000 or 15,000 Moments matches your real habits, and whether Premium or Ultimate is the right tier for you.
2. Once you've got a cycle or two of real usage behind you and you know you're staying, switch to yearly and lock in the lower weekly-equivalent rate.

This is the same logic that applies to basically any subscription decision, and it holds here: monthly billing is the "try it properly" price, yearly billing is the "I already know I want this" price. Combined with the current sale (below), the yearly price on either tier is low enough that the math tends to favor committing early once you're confident — but "confident" should come from a cycle of actual use, not marketing copy, including this article's.

To make the comparison concrete: staying on Premium's monthly plan for a full year, at $4.61/week, adds up to roughly $239.72 over twelve months. Paying for the yearly plan upfront instead locks in $109.99 for that same twelve months — a difference of well over $100 for functionally the same feature set, purely as a function of which billing cycle you picked. That gap is the clearest illustration of why "try monthly first, then switch to yearly once you're sure" isn't just cautious advice, it's also the version of this decision that costs you the least money overall, since you're only paying the monthly premium for the handful of weeks it takes you to decide, not for the whole year.

The 75% Off Summer Finale Sale: what it actually changes

Secrets.ai is currently running a site-wide 75% Off Summer Finale Sale, which applies across both tiers. This is worth flagging clearly and honestly rather than just as a hype line, because sale pricing in this industry can sometimes be structured in misleading ways — a "75% off" that's actually 75% off some inflated list price nobody ever really paid, for instance.

What matters practically is simple: the figures listed throughout this article — $2.12/week and $109.99/year for Premium, $6.15/week and $319.99/year for Ultimate — are the real, current prices being charged, sale included. That's the number that hits your card, not a "was" price you'll pay after some introductory period expires. If you're comparison shopping against other AI girlfriend apps' list prices, make sure you're comparing Secrets.ai's actual current price (with the sale applied) against competitors' actual current price too, not against a competitor's own promotional teaser rate that reverts after month one — that's a common way pricing comparisons across this category end up misleading, on both sides.

Sales like this don't run indefinitely, so if the numbers above work for your budget, locking in the current rate on Secrets.ai now rather than later is the practical move — pricing pages for software of any kind, adult or otherwise, are not commitments to never raise prices.

Discreet billing: the practical question everyone actually has

This is a real, common search — and a real, common concern — that a lot of pricing guides for this category skip over, so let's address it directly. When you subscribe to Secrets.ai, the charge on your bank or card statement does not say "Secrets.ai." It appears as "S LABS INC."

For a lot of people, this is the deciding factor as much as the dollar amount is. Nobody wants a line item on a shared statement, a family plan, or a card a partner might glance at that plainly reads the name of an AI girlfriend platform. Discreet billing descriptors are standard practice across the adult and companion-app industry generally — you'll find similar practices at other apps in this space — but it's still worth confirming explicitly before you subscribe anywhere, and Secrets.ai does confirm it clearly rather than leaving you to find out after the fact.

The other practical piece of this: cancellation is genuinely cancel-anytime, with no cancellation-questionnaire gauntlet, no forced phone call, and no "are you sure" retention maze to fight through. You cancel, it cancels. Combined with discreet billing, that's two of the most common practical anxieties people have before subscribing to anything in this category, addressed directly rather than buried in fine print.

It's worth pointing out why this specific detail gets its own section in a pricing guide at all: for a lot of people, an AI girlfriend subscription isn't just a spending decision, it's a privacy decision, and privacy has a cost too — just not a dollar one. Knowing in advance, in plain language, exactly what a statement line item will say is the difference between subscribing with confidence and subscribing while quietly hoping nobody looks too closely at the bank app. That's a reasonable thing to want clarity on, and it shouldn't require digging through a terms-of-service page to find out.

Full pricing comparison table

Here's everything from this guide in one place.

Tier	Weekly (billed yearly)	Total per year	Weekly (billed monthly)	Messaging	Moments/month	Generation	Extras
Premium	$2.12/week	$109.99/year	$4.61/week	Unlimited	8,000	Image & video, premium AI models	—
Ultimate	$6.15/week	$319.99/year	$9.23/week	Unlimited	15,000	Image & video, premium AI models	Group chats, Personas & advanced customization

Both tiers: discreet billing as "S LABS INC.," cancel anytime, current 75% Off Summer Finale Sale applied to all figures above.

If your main remaining question isn't price but whether the generation and video features are actually worth using regularly, our deep dive on AI girlfriends that send pictures and videos walks through exactly what that side of the product looks like day to day, which should make the Moments-allowance math above much more concrete. And if voice is a bigger factor in your decision than generation is, our AI girlfriend voice call apps guide covers that specific feature set across the category, including what to realistically expect from an AI voice call versus the "video call" claims some competitors make but don't actually deliver.

How Secrets.ai's pricing compares to the category generally

Without naming a "winner" purely by dollar figure — because raw price alone is a bad way to compare AI companion apps, given how differently each one structures what's actually included — a few honest observations about where Secrets.ai sits in the broader landscape of apps like Candy AI, Replika, Nomi AI, and DreamGF:

• Flat-fee competitors that don't use a credit system at all tend to either cap image generation hard regardless of tier, or charge noticeably more for an "unlimited-everything" tier than Secrets.ai's Ultimate costs. Secrets.ai's hybrid approach — unlimited messaging on both tiers plus a scaling Moments allowance for generation — tends to land in the middle: more flexible than a hard-capped flat fee, more predictable than a pure credit-only system.
• Pure credit-system competitors frequently gate messaging itself behind credits, which is the model most likely to produce the "surprise bill" experience described earlier in this guide. Secrets.ai not gating unlimited text messaging behind Moments on either tier is a meaningful structural difference, not just a marketing line.
• Feature-for-feature, Secrets.ai's Secrets Shorts — the episodic mini-drama video series — is a genuinely distinctive feature most competitors in this space don't offer at all; most rival apps stop at static photo generation. That's not strictly a pricing point, but it does affect value-per-dollar, since it's additional content included in the same subscription rather than a separate paid product.

The fair, non-hyperbolic conclusion: Secrets.ai's pricing isn't dramatically cheaper than every competitor on a pure headline-number basis, but the structure — what's actually unlimited, what the credit system does and doesn't gate, and what's included in the base tiers versus sold separately — tends to produce a lower real-world monthly cost than apps that look cheaper on the homepage but nickel-and-dime generation, voice, or memory features behind the subscription wall.

It's also worth being upfront that price alone is never the full picture. An app that's a few dollars cheaper per month but only offers static photo generation is a different value proposition than one that includes an ongoing episodic video series like Secrets Shorts inside the same subscription — the "cost per hour of content" math looks very different once you account for what's actually included versus sold à la carte elsewhere. Long-term memory quality, how natural voice synthesis sounds, and how deep the customization options actually go once you're past the marketing screenshots all factor into whether a given price is a good deal or just a low number. If you want the fuller side-by-side across more apps and more categories of feature, that's exactly what our AI girlfriend apps comparison guide is built for.

Budgeting realistically: three usage profiles

To make all of this concrete rather than abstract, here's how the numbers above translate into three realistic ways people actually use an AI girlfriend app, and which tier fits each. None of these profiles is more "legitimate" than another — the point of laying them out isn't to steer you toward the more expensive tier, it's to help you recognize your own usage pattern honestly so you spend on the tier that actually matches it, whichever direction that pulls you.

The casual texter

You want someone to talk to during downtime, maybe a companion with a defined personality and some continuity, but you're not requesting images every day and you have zero interest in group chats or heavy customization. Premium, billed monthly at first, then yearly once you're sure, is comfortably enough — you'll likely never come close to the 8,000 Moments/month ceiling, and unlimited messaging means the "casual" part of your usage costs nothing extra beyond the base subscription.

The regular generator

You've got one or two companions you're invested in, you check in daily, and you like generating a handful of new images a week — maybe experimenting with the custom generator's Appearance Features to fine-tune exactly how a companion looks, or trying a few different scenes. Premium is still the right starting point, but pay attention to your Moments balance in the first billing cycle. If you're routinely running low before the month resets, that's your signal to move to Ultimate rather than a sign you did something wrong — it just means your usage genuinely fits the bigger allowance. Worth noting: building the companion itself through the guided custom generator doesn't touch your Moments balance at all — that allowance is only spent once you start generating images or video of the finished companion. If you're curious exactly how that 9-step build process works before you commit to a tier, our build your own AI girlfriend guide walks through it step by step.

The power user

Multiple companions in rotation, group chats, frequent image and video generation, deep interest in Personas and advanced customization, and you're the type of user who'll actually use a 15,000 Moments/month allowance rather than let most of it go unused. Ultimate, billed yearly, is the clear fit — the price difference from Premium is small relative to how much more you're actually consuming, and the yearly billing gets you the lowest weekly-equivalent rate on the tier you're going to be using fully.

Being honest with yourself about which of these three you actually are — not which one sounds most appealing — is the single best way to avoid both overpaying for headroom you won't use and underpaying into a tier that leaves you Moments-starved by the third week of every billing cycle.

The voice-focused user

You're less interested in text volume or image count and more interested in actually hearing a companion's voice — a call feature is the thing that would make or break the decision for you. Both Premium and Ultimate include access to the Call feature (an AI voice call — as of 2026, no AI companion app, Secrets.ai included, offers genuine real-time video calling, whatever some competitor marketing pages imply), so the tier decision for you comes down to the same messaging-and-generation factors as the other profiles above, not to voice access itself, since that's not tier-gated. If voice quality and how the feature actually works day to day is your main open question before you decide, our AI girlfriend voice call apps guide goes deep on exactly that, across the wider category.

Common pricing gotchas across this app category (and how Secrets.ai handles each)

Since the goal here is transparency rather than a sales pitch dressed up as one, here's a direct rundown of the pricing tricks that show up across AI companion apps generally, and where Secrets.ai lands on each. None of these are unique to the adult or companion-app space specifically — they're the same tactics that show up across subscription software broadly — but they're worth naming plainly here because this category, more than most, tends to attract first-time subscribers who haven't shopped a lot of SaaS pricing pages before and don't yet have the instinct for where to look.

• Inflated "was" prices that make a permanent discount look temporary. Always check whether a sale price is actually time-limited or just permanently displayed next to a crossed-out number nobody ever paid. The prices quoted throughout this guide are Secrets.ai's real, current, charged prices with the active sale applied — not a "was" figure.
• Free trials that require a card and auto-convert to a full-price subscription with no reminder. Read the terms on any app's free tier or trial before entering payment details, on any platform, including this one.
• Credit costs that aren't disclosed until you're already spending. Look for a system, like Moments, where the allowance is a stated monthly figure (8,000 or 15,000) rather than a vague "credits" bucket with per-action costs buried in a help article.
• Messaging itself gated behind a metered currency. This is arguably the biggest one — some apps make you spend credits just to keep a conversation going, turning basic use of the product into a slot machine. Both Secrets.ai tiers include unlimited messaging outside the credit system entirely.
• Cancellation friction — multi-step retention flows, required phone calls, or "pause" options presented instead of cancel. Confirm an app's cancellation is genuinely self-serve before subscribing.
• Non-discreet billing descriptors that create an unwanted, and sometimes genuinely stressful, paper trail on a shared or family statement. Worth confirming explicitly, as covered above.
• Tier names that imply more than they deliver. A "Premium" or "Pro" label doesn't guarantee a feature is actually included — always check the specific feature list of a tier rather than assuming from the name alone. This guide lists Secrets.ai's exact inclusions per tier above for exactly that reason.
• Model quality quietly downgraded on lower tiers. Some apps run their cheapest tier on an older or lower-quality AI model without stating it plainly, which shows up as noticeably worse conversation or image quality rather than an obvious feature restriction. Confirm whether "premium AI models," specifically, are part of what you're paying for — they are on both Secrets.ai tiers, not reserved for the top tier only.

None of this means every competitor engages in every trick above — plenty of apps in this space are run reasonably. It means these are the specific things worth checking for yourself, on any app, before you commit a card number. If you're weighing an AI companion app specifically for uncensored or NSFW content rather than a general-purpose companion, our NSFW and uncensored AI girlfriend apps guide covers how pricing and content restrictions interact in that specific corner of the category, which has its own set of considerations beyond just the dollar figure.

Frequently Asked Questions

How much does an AI girlfriend cost per month on average?

Across the category generally, expect somewhere between free (with heavy limitations) and roughly $30-40/month for the most expensive tiers of premium apps, with most genuinely usable paid tiers landing in the $10-30/month range. Secrets.ai's Premium tier, billed yearly, works out to about $9.17/month ($109.99/year), and Ultimate works out to about $26.67/month ($319.99/year) — both toward the lower end of that range for what's included. Where an app lands in that range has less to do with the app's overall quality and more to do with which pricing model it uses and how generously it defines "included," which is exactly why the model breakdown earlier in this guide matters more than any single headline number.

Is there a free trial for Secrets.ai?

Secrets.ai doesn't run a traditional multi-day free trial that auto-converts to a paid plan; instead, new accounts can browse companions, chat, and use limited free access, with a 200-Moment bonus for verifying your email so you can test image generation directly. From there, subscribing to Premium or Ultimate — currently at 75% off — gets you the full unlimited-messaging experience.

What's the actual difference between Premium and Ultimate?

Premium ($2.12/week billed yearly) includes unlimited messaging, 8,000 Moments/month, image and video generation, and access to premium AI models. Ultimate ($6.15/week billed yearly) includes everything in Premium plus a larger 15,000 Moments/month allowance, group chats with multiple companions at once, and Personas with more advanced customization options. The right choice comes down almost entirely to how much you generate and whether group chats or Personas matter to you.

Are there hidden costs with AI girlfriend apps generally?

The most common hidden costs across this app category, not specific to any one app, come from credit systems where messaging or basic interaction is metered, from generation costs that aren't disclosed until you're mid-purchase, and from "free" trials that quietly convert to full-price billing. The way to avoid this on any platform is to check specifically what's gated behind a credit system versus what's genuinely included in the base subscription price before you sign up.

Is yearly or monthly billing better for an AI girlfriend subscription?

Yearly billing gets you a meaningfully lower weekly-equivalent rate on both Secrets.ai tiers — roughly less than half the monthly rate per week on Premium, for example. That said, monthly billing is the smarter starting point if you haven't used the app yet, since it lets you confirm the tier and Moments allowance actually fit your usage before committing to a full year.

Does Secrets.ai charge extra for images or video on top of the subscription?

No separate purchase is required for normal use — image and video generation draw from your monthly Moments allowance (8,000 on Premium, 15,000 on Ultimate), which is included in the subscription price rather than sold as an add-on. Building the companion itself, through the guided custom generator, doesn't cost anything beyond your subscription either — Moments only come into play once you're generating new images or video of a companion, whether custom-built or pre-made. How far your allowance goes depends on how often you generate, which is covered in the usage-profile breakdown earlier in this guide.

Will an AI girlfriend subscription show up discreetly on my bank statement?

Yes — Secrets.ai charges appear on statements as "S LABS INC.," not under the Secrets.ai name, and this is standard practice across most established apps in the category. It's worth confirming for any specific app you're considering, since discretion practices do vary, but it's not something you have to take on faith with Secrets.ai — it's stated plainly.

Can I cancel an AI girlfriend subscription anytime, or am I locked in?

With Secrets.ai, yes — cancellation is available anytime, with no cancellation questionnaire and no retention process to get through, on either the Premium or Ultimate tier, regardless of whether you're on monthly or yearly billing (yearly billing means you've prepaid the year, but there's no penalty or friction to actually cancelling auto-renewal). This is worth confirming for any app before subscribing, since cancellation friction is one of the more common complaints across the category generally.

The bottom line

The honest range at the top of this guide holds up under scrutiny: real AI girlfriend costs run from free-but-limited up to $30-plus a month depending on the app and how heavily you use image, video, and voice features on top of basic chat. Where an app lands in that range, and more importantly what you actually get for it, comes down to the pricing model — flat, credit, or hybrid — and how transparently that model is disclosed before you pay anything.

Secrets.ai's numbers, in full: Premium at $2.12/week billed yearly ($109.99/year) or $4.61/week billed monthly, with unlimited messaging, 8,000 Moments/month, image and video generation, and premium AI models. Ultimate at $6.15/week billed yearly ($319.99/year) or $9.23/week billed monthly, adding a 15,000 Moments/month allowance, group chats, and Personas. Both discreetly billed as "S LABS INC.," both cancel-anytime, both currently reduced under the 75% Off Summer Finale Sale.

If those numbers fit your budget and the feature set matches how you actually want to use an AI companion, the most sensible next step is to try Secrets.ai on the monthly plan first, see how your real usage lines up against the Moments allowance, and decide from there whether Premium or Ultimate — and monthly or yearly — is the right long-term fit.

Pricing is only ever half the decision, though — the other half is whether the actual experience of the app is one you'll want to keep paying for past the first billing cycle, and that comes down to conversation quality, how the companions look and feel, and whether features like Secrets Shorts and the Generation Studio hold up to daily use rather than just a first impression. This guide has stuck strictly to the numbers on purpose; for a broader look at the whole category, including that experiential side, before you commit to any single app, the AI girlfriend guide and the AI hub are good next stops.