Luvo AI vs Secrets AI
Every figure checked 30 August 2026 · Secret Labs Inc., Dover, Delaware — the charge reads S LABS INC
The short version
Our verdict: it dependsSecrets AI Premium is $109.99 a year — they show it as $9.17 a month — against $39.99 if you pay month to month. That monthly rate is the steepest in this comparison set and the annual rate is one of the cheapest, which is a 77% gap between the two ways of buying the same thing.
The plan includes unlimited messaging and 8,000 Moments a month. What a Moment buys is not printed on the pricing page, so this page has no price-per-image column and will not invent one. On the numbers that are published, their annual rung is cheaper than our Plus annual and their monthly rung is more than twice our Premium monthly.
The thing they do better than us is at the bottom of their pricing page: they print the billing descriptor. "Your statement will simply show a charge from S LABS INC." We should be doing that and we are not yet.
What a month costs, per unit
| Plan | Per month | Allowance |
|---|---|---|
| Secrets AI Premium, monthly | $39.99 | 8,000 |
| Secrets AI Premium, annualbilled $109.99 a year | $9.17 | 8,000 |
| Secrets AI Ultimate, annualPremium plus $17.50 a month | $26.67 | 8,000 |
| Luvo Plus, monthly | $14.99 | 100 |
| Luvo Plus, annual | $7.99 | 160 |
| Luvo Premium, annual | $18.99 | 400 |
There is no price-per-unit column on this page, and that is deliberate: Secrets AI publishes an allowance and never publishes what it buys. Dividing money by an allowance whose exchange rate is unstated produces a confident number about nothing.
- The allowance column is two different units and is not a comparison. 8,000 Moments is their number; 160 credits is ours and each one is a photograph.
- Their Ultimate tier is shown on their page as "+$17.50/mo" on top of Premium. The $26.67 here is that addition applied to the annual rate; we did not see Ultimate priced on its own.
- The Moments figure is listed against Premium. Whether Ultimate grants more of them was not legible without an account.
What free gets you
Secrets AI has a free tier you can sign up for without a card. What it includes was not stated on the pricing page we read, so we are not going to characterise it.
On your statement
S LABS INC
Printed on their own pricing page, under "Billed discreetly as", and explained in their FAQ: "Your statement will simply show a charge from S LABS INC, whether it's a subscription or a Moments purchase. There is no mention of Secrets anywhere on your bill." That is the right way to do it. A discreet descriptor that the customer has been told about is privacy; one they have not been told about is a support ticket and, often enough, a chargeback.
The descriptor, and why it is a page on its own
People search their own bank statements. "What is this charge" is one of the most common questions asked about any adult subscription, and the answer is usually nowhere on the seller's site — you find it on a forum, six months late, next to somebody telling you to call your bank.
Secrets AI puts the answer on the pricing page, before you buy. It costs them nothing and it removes the single most common reason a customer disputes a charge they actually authorised. It is a small thing done properly and it is worth saying so on a page whose job is to argue with them about price.
We do not do this yet. Our descriptor is not printed anywhere a prospective customer can read it, and it should be. Writing that down here is the cheapest way to make sure it gets fixed.
The gap between their two prices
$39.99 a month or $109.99 a year. Paying monthly costs $479.88 over twelve months, so the annual plan is 77% off — their own badge says exactly that.
A discount that size is a decision about who you are selling to. It means the monthly price is not really a plan, it is the price of not committing, and it is set high enough that almost nobody should choose it. Our ladder does the same thing more gently: $14.99 monthly against $7.99 annual on Plus is 47%, and the annual rung also carries 60% more credits.
The reason ours cannot go to 77% is unglamorous. A credit costs us about three cents of GPU whatever we charged for it, so a deep discount on a heavy subscriber is a loss rather than a thin margin. A product whose marginal cost is a language-model token can afford a steeper ladder than one whose marginal cost is a rented 96GB card.
Where Secrets AI is better
They print their billing descriptor before you buy. We do not.
Unlimited messaging on the paid tier alongside a large Moments allowance, with image and video generation in the same plan.
Their annual rung at $9.17 a month is cheaper than our Plus annual at $7.99 only if the allowance favours them — but it is in the same bracket, from a company with more history and a Delaware entity you can look up.
A visible review wall with dated entries. Ours does not exist yet, and social proof is a real thing to be missing when somebody is deciding whether to hand over a card.
What we could not check
Every one of these products puts its checkout behind a signup. Where a number was not readable without an account, it is listed here rather than taken from a review site that earns a commission on the answer.
- What a Moment buys. No per-action cost is published, so there is no per-image figure here.
- What the Ultimate tier adds beyond the $17.50 a month, and whether it changes the allowance.
- The free tier's contents.
Same girl, anywhere
Four shoots of Vera — different clothes, different city, different weather. Nothing re-rolled: every one is an edit of the first.
Those four cost four credits. Run the same test on Secrets AI — both products have a free tier — and put the faces side by side. If ours does not hold up, none of the arithmetic above matters and you should ignore this page.
Secrets AI against the others
Head-to-heads we are not in. Same rules, and the verdict names one of the two.
Other comparisons
- Luvo AI vs Candy AIFifty photographs a month for the price of our hundred, priced in tokens that cost double on the model you want.
- Luvo AI vs DreamGFTheir own pricing page says $12.99 renews at $25.99, and $69.99 renews at $311.88.
- Luvo AI vs GirlfriendGPTThe name redirects to Infatuated.AI now. Same tokens, same ladder, different brand.