- #6 in our ranking
- Built for adult chat
- Adults 18+
Secrets AI Review (2026): Is It Worth It?
Quick verdict
Yes, if you want open adult chat with pictures and short videos. As of October 2026, Secrets AI scores 8.1/10, with 9.3 for NSFW freedom.
In our test, she stayed in character through a half-hour adult roleplay. Voice is the weak spot, and extras cost moments. For an easier start, Candy.ai (8.7) is simpler.
Apps are listed by overall score, with one editorial exception: OurDream AI is placed at #2 as our pick for building her yourself. OurDream AI is an affiliate partner. A commission never changes a score.
Built for open adult chat
#6 of 16 apps in our ranking. Tested September 1 and 26, 2026, and updated October 21, 2026.
- Price
- From $19.99/mo, or $9.17/mo yearly
- Free
- 20 messages a day
- Extras
- Paid with moments
- Calls
- 50 moments a minute
- Best score
- NSFW freedom, 9.3
- Weakest score
- Voice, 6.9
On this page
Secrets AI review in 30 seconds
- Score: 8.1/10 as of October 2026, #6 of 16.
- Best at: open adult chat (9.3 for NSFW freedom) and good pictures (8.4).
- Watch out for: moments. Pictures, videos and calls all spend them, and the monthly allowance doesn’t roll over.
- Real cost: about $12–22 a month if you mostly chat, about $25–45 with lots of pictures or voice.
- Skip it if: you want real voice calls (try Kindroid) or the best memory (try Nomi.ai).
Is Secrets AI right for you?
It’s a good fit if you want open adult chat and don’t mind paying for extras. Answer three quick questions to check.
Answer three questions to see if Secrets AI fits.
How does Secrets AI work?
Secrets AI is an AI girlfriend app built for adult chat. You chat with ready-made companions or build your own. Pictures, videos and calls are paid with moments, its in-app currency, and paid plans include a monthly allowance.
20 messages a day and a small starting balance of moments. You can’t buy more.
Unlimited messages, 8,000 moments a month, videos and better memory.
15,000 moments a month, group chats, personas and the most memory.
Bought moments never expire. Premium gets 10% extra, Ultimate 15%.
Plans and limits come from the plans and limits page in Secrets AI’s wiki, checked October 21, 2026. It also offers story reels: you watch her story in a video feed, then pick your first reply.
Test it: Use the free 20 messages for two days before you pay. Note whether she stays in character.
Who is Secrets AI for?
Secrets AI is for adults who want open roleplay with pictures, and are happy to pay for extras.
What happened when we tested it
Adult chat was the highlight, and the extras were the catch. We used Secrets AI through our week-long test from September 1, 2026, then re-tested it on September 26.
Our mature roleplay stayed on persona for a full half-hour session.
After a picture unlock, we had to restate one boundary we had set.
In September, member prices were harder to find before signing up than on Candy.ai.
The delete option was findable, but not one tap away.
Secrets AI score breakdown
Secrets AI scores 8.1/10 overall. Each rating is out of 10, and every app gets the same published weights. Its ten ratings work out to 8.09, shown as 8.1. Its best score is NSFW freedom (9.3), and its weakest is voice (6.9). A commission never changes a score. See how we score.
What the scores mean: 9 and up is excellent, 8 and up good, 7 and up fair, and under 7 weak.
How does Secrets AI compare with Candy.ai and Nectar AI?
Nectar AI is the most open for adult chat, and Candy.ai scores highest overall. Secrets AI is close on adult chat, but trails both on pictures and chat realism.
| What we rate | Secrets AI | Candy. | Nectar AI | Nomi. |
|---|---|---|---|---|
| Overall score | 8.1 | 8.7 (best) | 8.6 | 8.1 |
| Customization | 8.2 | 9.4 (best) | 9.0 | 7.5 |
| Pictures and video | 8.4 | 9.3 | 9.4 (best) | 7.0 |
| NSFW freedom | 9.3 | 9.3 | 9.5 (best) | 8.2 |
| Chat realism | 8.3 | 8.9 (best) | 8.8 | 8.7 |
| Memory | 7.6 | 8.2 | 8.2 | 9.0 (best) |
| Voice | 6.9 | 7.2 | 7.0 | 7.8 (best) |
| Price value | 7.4 | 7.6 | 7.8 (best) | 7.8 (best) |
Scores out of 10, October 2026. The best score in each row is in bold pink.
- Pick Secrets AI if you want open adult chat, story reels and a free daily start.
- Pick Candy.ai (8.7) if you want selfies and romance in minutes.
- Pick Nectar AI (8.6) if you want the most open adult chat, with polished pictures.
- Pick Nomi.ai (8.1) if memory matters most.
Full head-to-heads: Candy.ai vs Secrets AI, Nectar AI vs Secrets AI and Secrets AI vs Nomi.ai.
Secrets AI pros and cons
Open adult chat and good pictures are the big wins. Voice and the moments system are the trade-offs.
What we liked
- Open adult chat (9.3 for NSFW freedom)
- Good pictures (8.4) and short videos
- Build your own companion, realistic or anime
- A free start: 20 messages a day
Honest downsides
- Weak voice (6.9), and calls cost 50 moments a minute
- Monthly moments don’t roll over
- Group chats and personas need Ultimate
- Free users can’t buy moments
Secrets AI features that matter
Adult chat is the star: it’s why Secrets AI scores 9.3 for NSFW freedom. Voice is its weakest spot.
Open roleplay, and each chat has a Spice Level, Secrets AI says (9.3 for NSFW freedom).
A picture costs from 50 moments, or 100 in 2K, Secrets AI says (8.4 for pictures and video).
Turn a picture into a short clip, most 4 to 15 seconds. A 5-second 720p clip costs 600 to 1,200 moments, by model. Premium and up.
Real-time calls at 50 moments a minute, with no time limit. Voice is its weakest score (6.9).
She saves details you share. Premium reaches 4 times as many memories as Free, Ultimate 6 times (7.6).
Pick her looks, realistic or anime, plus voice, personality and backstory. The first is free, then 500 moments.
Test it: Make one 2-minute call, then check your balance. It should be about 100 moments lower.
Secrets AI pricing: how much does it really cost?
Secrets AI Premium costs $19.99 a month, or $109.99 a year ($9.17 a month). In our test, the real cost was about $12–22 a month if you mostly chat, and about $25–45 with lots of pictures or voice. Plan prices checked October 21, 2026; confirm them at checkout.
| Plan | Monthly | Yearly | What you get |
|---|---|---|---|
| Free | $0 | $0 | 20 messages a day (100 in total with custom companions); you can’t buy moments |
| Premium | $19.99 | $109.99 ($9.17/mo) | Unlimited messages, 8,000 moments a month, videos, better memory |
| Ultimate | $39.99 | $319.99 ($26.67/mo) | 15,000 moments a month, group chats, personas, the most memory |
Moments pay for the extras, and Premium includes 8,000 a month. By our math, that buys about 160 pictures at 50 each, 6 to 13 videos (5 seconds, 720p) or 160 call minutes. The allowance resets at each renewal and doesn’t roll over. Moments you buy never expire, Secrets AI says.
| What you buy | Moments |
|---|---|
| A picture | From 50 (2K: 100) |
| A 5-second video (720p) | 600 to 1,200, by model |
| A voice call | 50 a minute |
| An extra custom companion | 500 (the first is free) |
Pay monthly until you know your habits. Spend your monthly moments before buying more, since they reset at renewal. Our pricing traps guide has a cost calculator.
Test it: Before you buy more moments, check how many your allowance has left and when it resets.
Is Secrets AI safe and legit?
Yes, it’s legit: a real paid app from Secret Labs Inc., which lists a Dover, Delaware address, and we used it through our week-long test. Safe enough, with common sense: its privacy information scored 7.6, and its own pages leave some questions open.
- Use the official site, secrets.ai. Our reviews are for adults 18+.
- Know what it keeps. Its cancelling page says your chats, memories and pictures stay after you cancel: “Nothing is deleted.”
- To delete your account, use account settings. Secrets AI says this is permanent and can’t be undone, and that all memories are deleted too.
- Its homepage says chats are protected with end-to-end encryption. An AI still has to read your messages to reply, so use a nickname.
- Plan your exit. Cancel under Settings, then Manage Subscription. You keep your plan until the period ends, with no refund for it. Card charges show as “S LABS INC”, its payments page says.
Sources, checked October 21, 2026: Secrets AI’s homepage and its wiki pages on plans, moments, cancelling and getting started. Its legal page links to its privacy policy and terms. Both open, were last updated April 10, 2026, and say you must be 18 or older. Read them before you pay.
Step by step: our free fillable privacy checklist (PDF).
Is Secrets AI NSFW?
Yes. Secrets AI is built for open adult chat and scores 9.3 for NSFW freedom. In our test, she stayed in character through a half-hour adult roleplay. See how it ranks in our best NSFW AI chat apps.
For adults 18+. Every legitimate app bans content involving minors.
Test Secrets AI in one week
Give it seven short sessions before you pay for a year. This plan follows our own test.
Secrets AI screenshots
Three screens from Secrets AI’s public site: the companion gallery, building your own and the picture studio.
What other users say
“The connection feels real, and the conversations flow like I’m talking to an actual person.”
That Trustpilot review matches our test: chat is where Secrets AI shines. One user review isn’t our score. Source
What are the best Secrets AI alternatives?
The best Secrets AI alternative for most people is Candy.ai (8.7), if you want selfies and romance fast. For the most open adult chat, Nectar AI (8.6) is the closest match. These are ordered by overall score.
Secrets AI head to head
Secrets AI review FAQ
What is Secrets AI?
Secrets AI is an AI girlfriend app built for adult chat. You chat with ready-made or custom companions, and pay for pictures, videos and calls with moments, its in-app currency. As of October 2026, it scores 8.1/10 in our ranking.
Is Secrets AI worth it?
Yes, if you want open adult chat with pictures and short videos (9.3 for NSFW freedom). If you want selfies and romance with an easier start, Candy.ai (8.7) is the better buy.
Is Secrets AI free?
You can chat free with 20 messages a day, Secrets AI says. Free accounts get a small starting balance of moments, but can’t buy more. Videos need a paid plan.
How much does Secrets AI cost?
Premium is $19.99 a month or $109.99 a year. Ultimate is $39.99 a month or $319.99 a year, as of October 21, 2026. In our test, the real cost was about $12–22 a month if you mostly chat, and $25–45 with lots of pictures or voice.
What are moments on Secrets AI?
Moments are its in-app currency. A picture costs from 50, a 5-second 720p video 600 to 1,200, and a call 50 a minute. Premium includes 8,000 a month and Ultimate 15,000, and unused ones don’t roll over.
Does Secrets AI have voice calls?
Yes. Calls cost 50 moments a minute, with no time limit, Secrets AI says. Voice is its weakest score (6.9); Kindroid (8.8 for voice) is our pick for voice calls.
Is Secrets AI NSFW?
Yes, it’s built for adult chat (9.3 for NSFW freedom). Each chat has a Spice Level. Safety checks can still stop some picture and video requests, and those aren’t charged. Check the rules where you live.
Is Secrets AI safe and private?
It’s a real paid app from Secret Labs Inc. Its homepage promises end-to-end encryption, but an AI has to read messages to reply. Cancelling keeps your chats; deleting your account is permanent. Use a nickname. See our privacy guide.
Why is Secrets AI ranked #6?
Apps are listed by overall score, with one editorial exception: OurDream AI is placed at #2 as our pick for building her yourself. OurDream AI is an affiliate partner. Secrets AI and Nomi.ai both score 8.1; Nomi.ai goes first on chat realism, our tie rule. Candy.ai (8.7), Nectar AI (8.6), OurDream AI (8.2) and Kindroid (8.2) score higher. A commission never changes a score.
How do I cancel Secrets AI?
Go to Settings, then Manage Subscription, then Cancel Subscription. You keep your plan until the billing period ends, with no refund for it. Your account then moves to Free.
Secrets AI vs Candy.ai: which should I pick?
Pick Secrets AI for open adult chat and story reels. Pick Candy.ai (8.7) for selfies and romance in minutes. See Candy.ai vs Secrets AI.
Secrets AI vs Nectar AI: which should I pick?
Pick Nectar AI (8.6) for the most open adult chat (9.5 against 9.3) and better pictures. Pick Secrets AI if its plans and story reels suit you. See Nectar AI vs Secrets AI.
Secrets AI vs Nomi.ai: which should I pick?
Both score 8.1. Pick Secrets AI for adult chat and pictures (9.3 and 8.4). Pick Nomi.ai for memory (9.0 against 7.6). See Secrets AI vs Nomi.ai.
Final verdict: 8.1/10
Secrets AI is built for open adult chat, with good pictures, short videos and a free daily start. Voice is the weak spot. Want selfies with an easier start? Candy.ai. Want the most open adult chat? Try Nectar AI.
Start free, then pay for one month of Premium, not a year. Watch how fast your moments go before you buy more.
How we know this
This Secrets AI review is based on our week-long hands-on test from September 1, 2026, and a re-test on September 26, 2026. The ten ratings use the same published weights as every app we rank. Plan prices and rules from Secrets AI’s own pages were checked on October 21, 2026.
Review updates
- October 21, 2026: explained the #6 place. Added Secrets AI’s plans, what moments buy, its cancel and delete rules, a comparison table and a one-week plan.
- October 5, 2026: scores checked against our published weights.
- September 26, 2026: re-test.
- September 1, 2026: first hands-on test and score.
Sources
- Official Secrets AI site: the company, features and its encryption claim.
- Secrets AI’s wiki: plans and limits, moments and payments, cancelling, getting started, memory, voice calls, videos and custom companions.
- Secrets AI legal page: its privacy policy and terms, both last updated April 10, 2026, and both 18+.
- Our methodology: the published weights behind the 8.1/10 score.
- Affiliate disclosure: how we earn money, and why it never changes a score.
- AI girlfriend privacy guide: a checklist before you share anything personal.
- About Best AI Girlfriend Hub: who we are and how to contact us.
- Trustpilot reviews of Secrets AI: the user review quoted above, not our score.
- FTC Endorsement Guides: how we disclose affiliate links.
Keep reading
Alex tests every AI girlfriend app we rank for a week and writes our reviews, comparisons and guides. Read Alex’s full bio, or see how Alex tests the apps.
For adults 18+. Adult companion apps are discussed in non-graphic terms. Scores are editorial and dated, and products change.