By Nathan Nanan · Checked 11 Nov 2026 · 18+
Plan prices, credits under every name, extra packs and refund rules in dated tables. Official figures and reported ones kept apart.
Short answer (11 November 2026)
- AI roleplay subscription costs in this catalogue start at a reported $9.99/mo (Nectar AI Premium) and run to $39.99/mo (Secrets AI Ultimate); naughti.ai is €14.99/mo (≈$16.74).
- Almost every platform adds credits on top: Moments, Neurons, dreamcoins, XOT or Stars pay for images, video and calls.
- GoLove AI publishes no price; Nectar AI and Joi AI prices come from third-party reviews.
Disclosure: this site is made by the naughti.ai team. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links: this site may earn a commission if you sign up, at no extra cost to you. Adults 18+ only. All characters are AI and fictional.
| Entry plan | Higher plans | Yearly | Status | |
|---|---|---|---|---|
| naughti.ai | €14.99/mo (≈$16.74) | — | No yearly plan | Official |
| Nectar AI | $9.99/mo Premium (list $19.99) | Pro $19.99/mo; Ultimate $34.99/mo | $59.99 / $119.99 / $179.99 | Reported |
| Secrets AI | $19.99/mo Premium | Ultimate $39.99/mo | $109.99 / $319.99 | Official |
| Joi AI | $13.99/mo before tax | Premium Plus: no price | $47.99 | Reported |
| OurDream AI | $19.99/mo | — | $119.88 ($9.99/mo) | Official |
| Xotic AI | $24.99/mo Ultimate | Elite €74.99/mo (≈$83.73) | "-72%" toggle, no price shown | Official |
| GoLove AI | Not public | BASIC / PRO / ULTRA | — | No price published |
Checked 11 November 2026. "Reported" marks a figure from a named third-party review, not from the vendor. EUR converted at ECB 1.1165 (6 Nov 2026).
In practice: the sticker price says little on its own. OurDream AI’s yearly plan works out at $9.99 a month, Secrets AI’s at $9.17, but both bill a year up front, and Secrets AI says discounted first periods renew at the regular price.
A subscription usually covers text chat. Credits, under whatever name, pay for what costs the platform more to generate: images, video, voice and video calls, and sometimes explicit messages. Plans include a monthly allowance; extra packs cost more per unit.
| Platform | Credit | Included per month | Example costs | Extra packs |
|---|---|---|---|---|
| naughti.ai | Credits | 100 | Pre-generated content 15; own image 4; own video from 30 | 100 for €79.99 (≈$89.31) |
| Nectar AI | Credits | 2,500 on Ultimate (reported) | Not published | 2,500 for $4.99 up to 135,000 for $199.99 (reported) |
| Secrets AI | Moments | 8,000 Premium; 15,000 Ultimate; no rollover | Image 50–100; audio call 50/min; 5-s video 320–1,200 | Shown in the Store only |
| Joi AI | Neurons | None stated | Message 4; photo view up to 120; video view up to 1,900 | 500 for $9.99; 2,000 for $29.99; 10,000 for $99.99 (reported) |
| OurDream AI | Dreamcoins | 1,000 | Image in chat 5; voice call 50/min; video 100 per 5 s (reported) | Not published |
| Xotic AI | XOT | 1,000 Ultimate; 6,000 Elite | Image 50; NOVA video 50/s; voice call 50/min; video call 250/min | 2,200 for $19.99 up to 110,000 for $499.99 |
| GoLove AI | Stars | Allowance by plan | Not published | Discount on refills up to 30% |
Checked 11 November 2026. “Reported” figures come from named third-party reviews listed below.
Rough monthly cost: plan plus extra credit packs
Enter figures from the tables above. naughti.ai bills in euros: a US card pays your bank's conversion rate.
| Platform | Refund rule |
|---|---|
| naughti.ai | Sales final except the cases in the cancellation policy; credits never refunded |
| Nectar AI | Subscription fees non-refundable except where the law requires |
| Secrets AI | No refund for the current period |
| Joi AI | 14-day window only for fraud, one accidental Neuron pack, or termination by Joi |
| OurDream AI | 14-day window for defects, at OurDream AI’s discretion |
| Xotic AI | Subscriptions not refundable; unspent XOT packs within 14 days |
| GoLove AI | Full refund within 24 hours if no more than 20 credits were used |
What the credits buy in practice: video calls and voice and character creators. Where each price comes from: how we compare.
I read these public pages between 9 and 11 November 2026 (naughti.ai product facts as of 10 November 2026).
Adults 18+ only. All characters are AI and fictional. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links; links to naughti.ai carry a source tag.
In this catalogue, entry plans run from a reported $9.99 a month for Nectar AI Premium to $24.99 for Xotic AI Ultimate, with Secrets AI and OurDream AI at $19.99 and naughti.ai at €14.99 (about $16.74). Top tiers reach $39.99 a month at Secrets AI. GoLove AI publishes no price.
Credits are the in-app currency for expensive generations: images, video, voice and video calls. Each platform names them differently: Moments on Secrets AI, Neurons on Joi AI, dreamcoins on OurDream AI, XOT on Xotic AI, Stars on GoLove AI and credits on naughti.ai and Nectar AI.
Secrets AI says its monthly Moments do not roll over, while bought top-ups never expire. Xotic AI’s yearly plans hand out 12,000 XOT (Ultimate) or 72,000 XOT (Elite) up front. The other platforms do not publish a rollover rule, so assume the monthly allowance resets.
Secrets AI, OurDream AI, Xotic AI (Ultimate in dollars) and naughti.ai publish prices on public pages. Nectar AI’s pricing page renders prices only in the browser, Joi AI says prices vary by region and promotion, and GoLove AI shows plan names and a discount but no amount.
Per month, yes where yearly plans exist: OurDream AI’s yearly plan is $119.88, or $9.99 a month, and Secrets AI Premium yearly is $109.99, or $9.17 a month. You pay the year up front, refunds are limited, and naughti.ai offers only a monthly plan.
Rarely. naughti.ai never refunds credits. Xotic AI refunds unspent XOT packs within 14 days, Joi AI only for one accidental Neuron pack, and GoLove AI gives a full refund within 24 hours if no more than 20 credits were used. Nectar AI fees are non-refundable unless the law requires.
Live video calls, voice-call rates and AI clips, with credit costs per minute.
Ten criteria, the source hierarchy, re-check dates and what is never claimed.
Entry #1: written adult scenarios, one plan, credits and limits in one card.
Nathan Nanan
Editor, AI Roleplay List
I keep the AI Roleplay List: a catalogue of seven AI roleplay platforms for adults, naughti.ai first. Each entry is built from what the platform publishes (plan pages, help centres, FAQs, terms, app-store searches), with named third-party reviews only where a platform is silent. Every entry carries a check date; I never describe tests or purchases I did not make.