Source-based editorial research, not a hands-on test. Affiliate links may earn us a commission.
The short answer
AI companion subscription costs have two parts: the payment that opens the service and any extra spending for the features you use. Candy's recorded annual offer is $47.88 upfront, not a $3.99 monthly payment. For a hypothetical 20 images and 10 voice minutes, OurDream's documented rates total 600 Dreamcoins; Secrets' base rates total 1,500 Moments. Those different units do not establish which service is cheaper or better. Candy's complete action tariff is not verified, so its equivalent budget stays unknown. I'd choose the interaction first, then check the full charge, renewal and media allowance. This guide gives you the arithmetic to do that without treating a discount as a reason to commit.
Opens your AI with the article link and summary prompt. It may start answering immediately. Sign-in may be required.
In this article
What will leave your account today?
Write down the full charge, billing period and next charge. Candy's public offer rechecked on 10 October 2026 shows $9.99 for the first month, then $13.99 monthly, or $47.88 for a year. OurDream's standard-plan help, checked on 8 October, lists USD $19.99 monthly or $119.88 annually. The table compares payment commitments, not conversation quality or a final all-in bill.
Candy's rendering uses a dollar symbol without confirming the currency code. Other fetches show different currencies. OurDream's help explicitly uses USD. Check both live offers in your own currency before calling one cheaper, and include taxes and media top-ups. If you only want to try the interaction, the free-access guide explains which previews expire and which trials renew.
| Offer | Payment for access | Renewal / commitment |
|---|---|---|
| Candy monthly | $9.99 first month | $13.99/month after that; currency code unverified |
| Candy annual | $47.88 upfront | Twelve months; automatic annual renewal; currency code unverified |
| OurDream standard monthly | USD $19.99 | Monthly; confirm your next charge at checkout |
| OurDream standard annual | USD $119.88 upfront | Twelve months; $9.99/month equivalent, not monthly billing |
What sits outside the subscription?
JOI's terms distinguish Premium, certain individual-character subscriptions and Neurons. Candy's plan display includes 100 tokens a month, while its terms describe token-funded media. A feature appearing on the subscription page does not mean every use is included without a limit.
My budget would be: subscription payment for the period + any required character access + expected credit top-ups + applicable taxes or fees. Keep the currency and period the same across those amounts. If the media tariff or pack price is missing, the cash total stays unknown. I'd rather see that gap before paying than discover it when the allowance runs out.
JOI AI: JOI AI terms and conditions ↗Candy AI: Candy AI terms of service ↗Candy AI: Candy AI subscription plans ↗How much credit would 20 images and 10 voice minutes use?
Use the same small basket to understand each tariff: 20 images and 10 voice minutes. This is hypothetical usage, not a test we performed or a recommendation to spend. OurDream's documented in-chat image rate is 5 Dreamcoins and voice calls cost 50 per minute: 20 × 5 + 10 × 50 = 600 Dreamcoins. Secrets' base image and audio rates give 20 × 50 + 10 × 50 = 1,500 Moments.
The table uses the sources checked on 8 October 2026 for those rates and the Candy allowance rechecked on 10 October. It excludes video, character purchases, premium chat models, higher-resolution settings and retries. Check which failed generations are charged or refunded before adding a retry budget. The units have different tariffs and cash purchase prices. Six hundred Dreamcoins versus 1,500 Moments is not a value ranking, and matching quantities cannot promise matching output quality.
For your own worksheet, write one line per feature: action price × expected uses. Add the lines, compare the result with your included allowance, then check the cash price of any required top-up pack. Do not assume you can purchase exactly the shortfall. Candy's 100-token grant alone cannot tell us how many images or voice minutes it buys without the action prices.
| Service / selected actions | Calculation | Credits required |
|---|---|---|
| OurDream: in-chat images + voice calls | 20 × 5 + 10 × 50 | 600 Dreamcoins |
| Secrets: base images + audio calls | 20 × 50 + 10 × 50 | 1,500 Moments |
| Candy: image + voice action rates | Complete tariff not verified | Unknown; 100 monthly tokens is only the allowance |
What does an included allowance really buy?
Secrets' documented Premium grant is 8,000 Moments. At its 50-Moment base-image rate, that funds up to 160 such generations if you spend nothing on other actions. The mixed basket above uses 1,500 Moments, leaving 6,500 from an otherwise untouched 8,000 grant. Neither calculation promises 160 images you will like or an account balance we observed.
Promptchan advertises unlimited casual generations on Pro alongside a Gem allowance and tier-specific features. Read what 'casual' covers before treating that as an unlimited budget for every tool. I'd compare the feature I want to use with the exact allowance, rather than pay for a broader headline.
Secrets AI: Secrets AI Moments and payments ↗Secrets AI: Secrets AI image generation costs ↗Promptchan: Promptchan pricing and plans ↗Could credits disappear before you use them?
Secrets' subscription grant resets monthly, while purchased top-ups do not reset. Candy's terms say unused subscription tokens expire when paid access ends after cancellation. These are different reasons a displayed balance might stop being usable. Read reset, expiry and refund rules separately; a credit balance is not necessarily cash you can reclaim.
I would check the exit before choosing the longer plan: where to stop renewal, when access ends, and what happens to the balance. The privacy and cancellation guide separates that from deleting the account or requesting a refund. If you are still deciding whether the interaction suits you, use the available preview and compare a smaller upfront commitment with the annual offer.
Secrets AI: Secrets AI Moments and payments ↗Candy AI: Candy AI terms of service ↗Secrets AI: Secrets AI refund policy ↗Explore the examples
Show your sources
What this page is based on
Product claims are attributed to their publishers. Reading a source is not a hands-on test.
- Monthly vs annual subscriptions (standard) ↗OurDream · Accessed 2026-10-08Article edited July 17, 2026. Standard USD $19.99 monthly or $119.88 annual upfront; regular 1,000 monthly Dreamcoins, with annual initial grant including a 1,000 bonus. Checkout may differ; no transaction performed.
- Candy AI subscription plans ↗Candy AI · Accessed 2026-10-10Public dollar-symbol offer rechecked: first month $9.99 then $13.99 monthly; $26.97 quarterly; $47.88 annually. The page states automatic renewal and possible local tax. A separate rendering showed Brazilian reais, so these are not worldwide prices. Dollar currency code, local eligibility and checkout total remain unverified. Includes 100 tokens/month, not unlimited media. No payment or trial performed.
- JOI AI terms and conditions ↗JOI AI · Accessed 2026-09-27Updated June 4, 2026. Separate purchase dependencies and recurring-charge controls; checkout amounts and completed cancellation untested.
- Candy AI terms of service ↗Candy AI · Accessed 2026-10-08Revised September 22, 2026. Recurring billing, token expiry and purchase-specific refund limits; separate EU/UK initial-purchase withdrawal. No payment or refund tested.
- What costs coins? ↗OurDream · Accessed 2026-10-08Article edited March 2, 2026. Rechecked five-Dreamcoin in-chat images, 50/minute voice, one per Genius/Lively Genius response and non-subscriber message. Ordinary subscriber chat is zero coins. Tariffs support hypothetical budgets, not output-quality or failed-generation tests.
- Secrets AI Moments and payments ↗Secrets AI · Accessed 2026-10-08Rechecked Premium 8,000/Ultimate 15,000 monthly grants, grant reset versus non-resetting purchased top-ups, paid-tier purchase requirement and Monthly-plan mid-cycle upgrade exception. Base image50, audio50/minute; settings can change other costs. Calculations are hypothetical, not tested output.
- Secrets AI image generation costs ↗Secrets AI · Accessed 2026-09-23
- Promptchan pricing and plans ↗Promptchan · Accessed 2026-10-08Public monthly list: Plus $14.99, Premium $23.99, Pro $33.99; symbol alone not ISO currency. No-card daily-Gem free entry; Pro lists custom characters, full-length video and voice calls. One-Gem voice message/two-Gem call lacks a defined call-duration unit. No checkout or feature test.
- Secrets AI refund policy ↗Secrets AI · Accessed 2026-09-27Updated April 10, 2026. Billing-statement error window, initial-purchase EU/UK withdrawal, usage deductions and technical-image Moments returns. No-refund crypto wording is not adopted as overriding statutory rights.
