Companion builder, images, video, voice chat and video calls
Free plan: about 15 messages and 10 images a day (reported)
Credits pay for media on top of the plan
Nectar AI, LLC (Delaware) with a UK entity
Watch out: fees are non-refundable and official prices are not public
Seven video models and audio calls
Companion chat, custom characters, adult video on 7 models, audio calls
Premium includes 8,000 Moments; a 5-second video costs 320 to 1,200
Free: 20 messages a day, no media
Secret Labs Inc. (Delaware); Trustpilot 4.5 from 324 reviews
Watch out: no refund for the current period
Live video calls and Joi Originals
Premade characters, builder, images, video, live video calls
Neurons charged per explicit message, photo or video, even on Premium
Age check by VerifyMyAge (email, face estimate or ID)
Novi Limited, Cyprus; Trustpilot 3.9 from 265 reviews
Watch out: pay-per-view on top of the plan
Custom companions and a huge library
Custom companions plus a huge community library, images, video, voice calls
Unlimited messages and 1,000 dreamcoins a month on paid plans
Free: 5 messages per character and 55 coins once (reported)
Dream Studio USA, Inc. (Delaware)
Watch out: calls cost 50 coins a minute, video 100 coins per 5 seconds (reported)
NOVA image-to-video with sound
Design a companion or pick a premade one; images, voice and video calls
NOVA image-to-video clips with sound
Ultimate includes 1,000 XOT a month; an image costs 50 XOT
Xotic Tech OÜ, Estonia; Trustpilot 4.8 from 60 reviews
Watch out: 5 free messages in total, subscriptions non-refundable
350+ premade characters, free text chat
350+ premade characters, images, AI video and a live video mode
Core text chat free with unlimited messages (homepage)
Refund within 24 hours if no more than 20 credits are used
404 Intelligence LTD, Cyprus; Trustpilot 4.3 from 29 reviews
Watch out: Premium prices are not public, custom creator not live
Short answer (11 November 2026)
To create your own AI roleplay character, five entries have a working builder: Nectar AI, Secrets AI, Joi AI, OurDream AI and Xotic AI.
GoLove AI’s full creator is still announced, with a create-from-photos tool in alpha; naughti.ai has no builder and uses premade characters inside written scenarios.
Free allowances are small: one custom companion on Nectar AI (reported) and Xotic AI, a first free character on Secrets AI’s paid plans.
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.
What an AI roleplay character creator does
An AI roleplay character creator lets you set a custom character’s look, personality, backstory and how they talk, then chat or play scenes with them. Some builders also generate a portrait, add voice, or let you write lore the character keeps in mind. Every custom character on these platforms must be an adult and is AI and fictional; the terms of each vendor set further content rules.
Character builders side by side
Builder
Free allowance
Paid extras
Library
naughti.ai
No builder
—
—
Premade characters inside written scenarios
Nectar AI
Character creator, SFW and NSFW modes
1 custom companion (reported)
45+ / 95+ customizations (Premium / Ultimate)
Not stated
Secrets AI
Custom characters, Personas
First character free (paid plan needed)
500 Moments per extra character
Scenarios, Lorebooks
Joi AI
Character builder
Not stated
About 500 Neurons per character (reported)
Joi Originals
OurDream AI
Custom companion creator, Custom Instructions
Not stated
Images and video by coins
Over 11 million characters (vendor)
Xotic AI
Design a companion
1 custom character
Unlimited creation on Ultimate
Premade characters
GoLove AI
Full creator announced; photo tool in alpha
—
Create from up to 5 images (ULTRA, alpha)
350+ premade characters
Checked 11 November 2026. "Reported" marks a figure from a named third-party review, not from the vendor.
In practice: if building is the whole point, Nectar AI and Xotic AI publish the most about their builders. If you would rather pick and adjust, OurDream AI’s library is the largest claimed.
How much do you want to design?
What custom characters cost
Platform
Published cost
Source
Secrets AI
First custom character free, then 500 Moments each; Premium includes 8,000 Moments a month
Official Moments page
Xotic AI
1 custom character free; unlimited on Ultimate ($24.99/mo)
Official FAQ
Joi AI
About 500 Neurons per character
Reported
Nectar AI
1 custom companion on the free plan; paid-plan limits not published
Reported
OurDream AI
Creator included; images and video paid in dreamcoins
Vendor + reported
A short checklist before you build
Decide the format. A companion you chat with daily, a character for scenes, or a cast for group play.
Check what is free. Most builders let you make one character before you pay.
Write the backstory once. Lore tools such as Secrets AI’s Lorebooks keep it available instead of repeating it in chat.
Price the extras. Portraits, voice and video of your character are usually paid in credits on top of the plan.
Read the content policy before you invest time in a persona.
Content rules apply to custom characters too
Adults only. All seven platforms are 18+; custom characters must be adults.
Vendor terms win. naughti.ai’s terms, for example, ban minors in any form, content without consent and real identifiable people; the partner platforms publish their own content policies.
Public cards. Some platforms show community characters publicly; the catalogue does not quote or link individual cards.
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.
AI Roleplay Character Creator: FAQ
Which AI roleplay sites let me build my own character?
Five of the seven entries: Nectar AI, Secrets AI, Joi AI, OurDream AI and Xotic AI. GoLove AI still describes its full creator as coming in the next weeks, with a create-from-photos tool in alpha. naughti.ai does not offer a builder; its characters live inside its written scenarios.
Can I create a custom character for free?
In a limited way. Xotic AI’s free tier includes one custom character, and Nectar AI’s free plan is reported at one custom companion. Secrets AI’s first custom character is free, but custom characters need a paid plan, and each extra one costs 500 Moments.
What is GoLove AI's create-from-photos tool?
GoLove AI’s app shows a tool that turns up to 5 images into a character prompt, badged ULTRA and ALPHA, so it is an early feature on the top tier. Its full character creator is still announced for the coming weeks, as of 11 November 2026.
How detailed are the character builders?
Nectar AI’s plan text lists 45+ additional customizations on Premium and 95+ on Ultimate. Secrets AI pairs characters with Personas and Lorebooks. OurDream AI adds Custom Instructions. Joi AI and Xotic AI do not publish a count of builder options.
Why does naughti.ai not have a character creator?
naughti.ai is built around hand-written adult scenarios with a beginning and an end, and a new one is added every week. The characters are written into each scenario, so the story keeps its shape. If designing a persona matters most, the builder entries in this guide fit better.
Are there rules for what a custom character can be?
Yes. Every platform here is for adults 18+, custom characters must be adults, and each vendor’s terms list banned content. naughti.ai’s terms, for example, ban minors in any form, content without consent, real identifiable people and deepfakes. All characters are AI and fictional.
More in this catalogue
Video calls and voice
Live video calls, voice-call rates and AI clips, with credit costs per minute.
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.
