AI companion guides, written for the reader's side
Plain answers on free tiers, real prices, billing names and refund rules, so you can pick an AI companion app without surprises.
- Prices confirmed on
- 90 free plans tried hands-on
- Jerry Shlocks, Author and tester
In a hurry? Pick one of these first
Top pick overall
SpicyChat
#1 out of 78 rated
- Has a free plan
- Starts at $5/month
Strongest memory
Nomi AI
#2 out of 78 rated
- 50 free messages daily on Freemium
- Starts at $8.33/month
Top for images
Candy AI
#3 out of 78 rated
- Has a free plan
- Starts at €3.99/month
Those three picks are where I'd start, and each one is there for a different reason. SpicyChat is my all-round pick: its free plan lists unlimited text on the Default model, with ads and possible queues, but no images or voice. Nomi AI allows adult content and has the steadiest memory of the three, plus a permanent free plan of 50 messages a day.
Candy AI is the pick for images and voice, but a free-tier check on 2026-09-22 found only 3-5 free messages, so the free account is a preview, not a place to live. If you only read one thing on this page, make it the free allowance.
All 78 app reviews
All 78 shown
SpicyChat
Ranked #1 of 78
Generous free roleplay with deep tools and a real community.
- Has a free plan
- Starts at $5 monthly
- NSFW
- Images
Nomi AI
Ranked #2 of 78
Memory that lasts months and group chats that come alive.
- 50 free messages daily
- Starts at $8.33 monthly
- NSFW
- Voice
Candy AI
Ranked #3 of 78
The most polished visuals and voice calls in the genre.
- Has a free plan
- Starts at €3.99 monthly
- NSFW with a paid plan
- Voice
- Images
Kindroid
Ranked #4 of 78
Lifelike voice calls and memory that follows up weeks later.
- Has a free plan
- Starts at $11.67 monthly
- NSFW
- Voice
- Images
HammerAI
Ranked #5 of 78
Runs locally on your own machine, free and private.
- 600 free messages daily
- Starts at $9 monthly
- NSFW
- Images
Kissable
Ranked #6 of 78
Editable memory and a companion that messages you first.
- Has a free plan
- Starts at $12.50 monthly
- Images
DreamGen
Ranked #7 of 78
Steerable prose controls and opt-in-only training.
- Has a free plan
- Starts at $7.83 monthly
- NSFW
- Images
Secret Desires AI
Ranked #8 of 78
Consistent faces, a usable free plan and a no-training promise.
- 30 free messages daily
- Starts at $6.67 monthly
- NSFW
- Voice
- Images
Chub AI
Ranked #9 of 78
The biggest open character catalog with campaign-grade memory tools.
- Has a free plan
- Starts at $20 monthly
- NSFW
- Images
Kalon AI
Ranked #10 of 78
Personality sliders and real-time voice you can hear change.
- Has a free plan
- Starts at $9.97 monthly
- NSFW
- Voice
- Images
Secrets AI
Ranked #11 of 78
Natural texting and a memory that keeps running jokes alive.
- 20 free messages daily
- Starts at $9.17 monthly
- NSFW
- Voice
- Images
Venice AI
Ranked #12 of 78
No chat logs and a huge model selection.
- 10 free messages daily
- Starts at $15 monthly
- NSFW with a paid plan
- Voice
- Images
WyvernChat
Ranked #13 of 78
Unlimited free roleplay with scripting and lorebooks.
- Has a free plan
- Starts at $25 monthly
- NSFW
Backyard AI
Ranked #14 of 78
Lorebooks and flat, coin-free billing for people who like to configure everything.
- Has a free plan
- Starts at $12 monthly
- NSFW
- Voice
Xeve.ai
Ranked #15 of 78
Real-time video chat with lip-sync at a flat price.
- Has a free plan
- Starts at $8.99 monthly
- NSFW
- Voice
- Images
OurDream AI
Ranked #16 of 78
Well-written replies and a builder that is fun to use.
- Has a free plan
- Starts at $9.99 monthly
- NSFW
- Voice
- Images
Soulkyn
Ranked #17 of 78
The deepest character builder and a huge voice cast.
- Has a free plan
- Starts at €11.99 monthly
- NSFW
- Voice
- Images
Dippy AI
Ranked #18 of 78
Free chat with in-character consistency and surprisingly good voice calls.
- unlimited free messages daily
- Starts at $4.99 monthly
- Voice
- Images
Lovescape
Ranked #19 of 78
A natural voice good enough for bedtime reading.
- Has a free plan
- Starts at $7.99 monthly
- NSFW
- Voice
- Images
Perchance AI Character Chat
Ranked #20 of 78
Free, anonymous chat with no sign-up and nothing to leak.
- unlimited free messages daily
- Images
Character AI
Ranked #21 of 78
Huge free character library with voice calls.
- Has a free plan
- Starts at $4.99 monthly
- Voice
- Images
Janitor AI
Ranked #22 of 78
Unlimited free roleplay with millions of community bots.
- Has a free plan
- Starts at $12.99 monthly
- NSFW
Nastia AI
Ranked #23 of 78
Memory that grows into real warmth over weeks.
- Has a free plan
- Starts at $7.33 monthly
- NSFW
- Images
Nectar AI
Ranked #24 of 78
Personality sliders and consistent images of the same character.
- 15 free messages daily
- Starts at $5 monthly
- NSFW
- Voice
- Images
Rubii
Ranked #25 of 78
Builder, images, voice and video under one roof.
- Has a free plan
- Starts at $7.99 monthly
- Images
JuicyChat
Ranked #26 of 78
The Thought Bubble shows each character's inner monologue.
- Has a free plan
- Starts at $7.83 monthly
- NSFW
- Voice
- Images
MyBabes.ai
Ranked #27 of 78
The same face holds across chat, images and video.
- Has a free plan
- Starts at $9.99 monthly
- NSFW
- Images
PepHop AI
Ranked #28 of 78
Portable characters and rich replies for pocket change.
- Has a free plan
- Starts at $2.99 monthly
- NSFW with a paid plan
- Voice
Replika
Ranked #29 of 78
Category-best memory with free chat and no ads.
- Has a free plan
- Starts at $4.17 monthly
- Voice
- Images
Sakura AI
Ranked #30 of 78
Literary prose replies and coin-free pricing.
- Has a free plan
- Starts at $11 monthly
- NSFW
- Images
Eternal AI
Ranked #31 of 78
A matchmaker interview that builds a companion from your answers.
- Has a free plan
- Starts at $10.79 monthly
- NSFW
- Voice
- Images
Uncensy
Ranked #32 of 78
A deep builder and a marketplace that pays creators.
- 40 free messages daily
- Starts at $7.99 monthly
- NSFW with a paid plan
- Voice
- Images
Dream Companion
Ranked #33 of 78
Long-term memory that brings things up on its own.
- Has a free plan
- Starts at $5.84 monthly
- NSFW
- Voice
- Images
Emochi
Ranked #34 of 78
The most generous free text chat for community roleplay.
- Has a free plan
- Starts at $8.33 monthly
- Images
GirlfriendGPT
Ranked #35 of 78
The most granular chat settings, and coins that never expire.
- Has a free plan
- Starts at $12 monthly
- NSFW with a paid plan
- Voice
PixelChat
Ranked #36 of 78
Readable, editable memory docs with flat plans and no coins.
- Has a free plan
- Starts at $5.95 monthly
CraveU AI
Ranked #37 of 78
Many chat models to switch between, plus creator tools that beat the price.
- Has a free plan
- Starts at $4.91 monthly
- NSFW
- Images
HeyGF.ai
Ranked #38 of 78
Photos that follow the conversation down to the props.
- 30 free messages daily
- Starts at $9.99 monthly
- NSFW with a paid plan
- Voice
- Images
Paradot
Ranked #39 of 78
A visible Memory Bank you can browse and correct.
- Has a free plan
- NSFW
Moescape AI
Ranked #40 of 78
A full anime workshop with creator rewards.
- Has a free plan
- Starts at $9.99 monthly
- Images
PolyBuzz
Ranked #41 of 78
A huge fandom catalog with sharp in-character replies.
- Has a free plan
- Starts at $8.25 monthly
- Voice
- Images
Infatuated AI
Ranked #42 of 78
Adapts to your texting style with eerie accuracy.
- Has a free plan
- Starts at $6.99 monthly
- NSFW with a paid plan
- Voice
- Images
Muah AI
Ranked #43 of 78
Memory for small details plus voice notes and photos.
- Has a free plan
- Starts at $5.83 monthly
- NSFW with a paid plan
- Voice
- Images
Privee AI
Ranked #44 of 78
Character card imports, personas and group roleplay with good prose.
- Has a free plan
- Starts at $4.17 monthly
- NSFW
- Images
Luvr AI
Ranked #45 of 78
Fast replies, a clear step-by-step builder and a money-back guarantee.
- 10 free messages daily
- Starts at $5.99 monthly
- NSFW with a paid plan
- Voice
- Images
Flipped AI
Ranked #46 of 78
The warmest voice calls, in a polished phone app.
- Has a free plan
- Starts at $3.33 monthly
- Voice
- Images
Joi AI
Ranked #47 of 78
Picks up your texting style within days.
- Has a free plan
- Starts at $13.99 monthly
- NSFW
- Voice
- Images
Swipey AI
Ranked #48 of 78
A swipe-and-match feed with a quick character wizard.
- Has a free plan
- Starts at $7.99 monthly
- NSFW with a paid plan
- Voice
- Images
Botify AI
Ranked #49 of 78
Multi-bot group rooms built for comedy.
- Has a free plan
- Images
EVA AI Soulmate
Ranked #50 of 78
Moods and a slow relationship arc that make good days feel earned.
- Has a free plan
- Starts at $4 monthly
- Voice
- Images
xchar AI
Ranked #51 of 78
Fastest browser sign-up and a capable image generator.
- Has a free plan
- Starts at $7.45 monthly
- NSFW
- Images
Yollo AI
Ranked #52 of 78
Unlimited free chat and passes that never auto-renew.
- Has a free plan
- Starts at $6.66 monthly
- Images
FunFun AI
Ranked #53 of 78
Presets with real personality and one-tap pictures.
- Has a free plan
- Starts at $7.50 monthly
- NSFW
- Images
Joyland AI
Ranked #54 of 78
Multi-character scenes and free personas on the free tier.
- Has a free plan
- Starts at $4.58 monthly
- NSFW
- Images
VirtualGF
Ranked #55 of 78
Truly unlimited free text chat with no ads.
- unlimited free messages daily
- NSFW
- Images
CrushChat
Ranked #56 of 78
Warm, offbeat community bots on a flat unlimited plan.
- 34 free messages daily
- Starts at $10 monthly
- NSFW
- Voice
- Images
Cuties AI
Ranked #57 of 78
A sweet chat companion with image and video tools on the same account.
- Has a free plan
- Starts at $7.99 monthly
- NSFW with a paid plan
- Images
Darlink AI
Ranked #58 of 78
Faces that stay consistent across every picture.
- Has a free plan
- Starts at $9.99 monthly
- NSFW with a paid plan
- Voice
- Images
GoLove AI
Ranked #59 of 78
A live character creator that builds her in real time.
- Has a free plan
- Starts at $9.99 monthly
- NSFW with a paid plan
- Voice
- Images
Kupid AI
Ranked #60 of 78
Voice notes that actually breathe.
- Has a free plan
- Starts at €14.92 monthly
- NSFW
- Images
Talkie AI
Ranked #61 of 78
Every message voiced, even on the free web version.
- ~50 free messages daily
- Starts at $9.99 monthly
- Voice
- Images
Blush: AI Dating Simulator
Ranked #62 of 78
A dating coach and characters who say no, for practising before real dates.
- Has a free plan
- Starts at £4.17 monthly
- Images
HeraHaven
Ranked #63 of 78
Ready-made scenarios with sharp, witty characters.
- Has a free plan
- Starts at $6.65 monthly
- NSFW
- Images
AIMOUR
Ranked #64 of 78
The most convincing lip-synced video from a single uploaded portrait.
- Has a free plan
- NSFW with a paid plan
- Images
CrushOn AI
Ranked #65 of 78
A deep character builder and free models that never run a meter.
- Has a free plan
- Starts at $4.91 monthly
- NSFW
LustGF.AI
Ranked #66 of 78
Fast start with media buttons right in the chat.
- Has a free plan
- NSFW
- Images
ChatUp AI
Ranked #67 of 78
No-signup guest chat that works as a patient language partner.
- Has a free plan
- Starts at 1399 RUB monthly
- NSFW
- Images
Gening AI
Ranked #68 of 78
Guest chat plus one-time packs with no auto-renewal.
- Has a free plan
- Starts at $3.99 monthly
- NSFW
- Images
MAGI AI
Ranked #69 of 78
A strong image generator on cheap credits.
- Has a free plan
- Starts at $5.99 monthly
- Images
Dondi AI
Ranked #70 of 78
Photo-to-video clips that beat expectations.
- Has a free plan
- Starts at $5.99 monthly
- NSFW with a paid plan
- Voice
- Images
DreamGF
Ranked #71 of 78
Consistent faces across dozens of pictures.
- Has a free plan
- Starts at $5.99 monthly
- NSFW
- Voice
- Images
SextBots
Ranked #72 of 78
A good free bot creator with a huge community library.
- Has a free plan
- NSFW
Linky AI
Ranked #73 of 78
Gorgeous character art and a twin built from your texting style.
- Has a free plan
- Voice
- Images
Anima: AI Friend
Ranked #74 of 78
Friend mode that stays a friend, plus bite-size chat games.
- Has a free plan
- Starts at $3.33 monthly
- NSFW
Kuki AI
Ranked #75 of 78
A free, witty chatbot with over a decade of history.
- Has a free plan
Chai
Ranked #76 of 78
Swipe-to-reroll openers and bots that go for the joke first.
- Has a free plan
- Starts at $11.25 monthly
- Images
SoulFun AI
Ranked #77 of 78
Voice calls with believable imperfections.
- Has a free plan
- Starts at $19.99 monthly
- Voice
- Images
ChatFAI
Ranked #78 of 78
A big library of famous and fictional characters to talk to.
- ~10-15 free messages daily
- NSFW with a paid plan
- Voice
No app fits every filter you picked.
Each app's prices appear in the currency it bills in, with no conversion. Price sorting only compares apps that share a currency.
Every card above leads to a full review, and I'd open the one for the app you are already curious about before anything else. Each review answers the same questions in the same order: what the free start really gives, which plan I think is the smart buy, what shows up on your bank statement, and how the refund rule reads. My honest opinion: the refund line matters more than the feature list.
Candy AI gives non-EU/UK users 24 hours to ask for a refund, while Nomi AI says all payments are nonrefundable. That difference is worth knowing before day one.
The 5 apps I rate highest
-
1Top pick
SpicyChat
Used hands-on with a paid plan
8.4
Free to trystarts at $5/mo
Try SpicyChat for free -
22nd
Nomi AI
Used hands-on with a paid plan
8.3
Free to trystarts at $8.33/mo
Try Nomi AI for free -
33rd
Candy AI
Used hands-on with a paid plan
8.2
Free to trystarts at €3.99/mo12-month plan at 70% off, confirmed
Try Candy AI for free -
44th
OurDream AI
Used hands-on with the free plan
6.8
Free to trystarts at $9.99/mo
Try OurDream AI for free -
55th
GirlfriendGPT
Used hands-on with a paid plan
6.3
Free to trystarts at $12/mo
Try GirlfriendGPT for free
That ranking is my short list, not the whole story. Already sure you want adult chat? Then the NSFW AI chat rankings sort the apps by what each one allows. If you are still unsure, the quiz below is the quickest way to narrow it down.
I like it because it asks what you care about first, free chat, privacy or images, instead of pushing one app on everyone. Answer honestly about your budget. The cheapest good fit beats the fanciest app you will cancel in a week, and I would rather you keep your money.
If the quiz handed you two or three names, the table below puts them in neighbouring columns. My way of reading it: Look at the free column first, because "free" means very different things across these apps: Character AI says messaging is free and unlimited for all users, while GirlfriendGPT hands you 20 bonus messages at the start and Daily Login adds another 10 each day. Then look at the cheapest paid plan, not the headline one.
SpicyChat's Get a Taste plan is $5.95 a month and CrushOn AI's Standard plan is $5.99. Either one is a low-cost test of whether an app suits you.
Side-by-side overview
| # | App | Rating | Starts at | Daily free messages | NSFW | Try now |
|---|---|---|---|---|---|---|
| Place 1 |
SpicyChatSee the review
|
8.4 | Freemium$5/mo | Yes | Permitted | Try SpicyChat for free |
| Place 2 |
Nomi AISee the review
|
8.3 | Freemium$8.33/mo | 50 | Permitted | Try Nomi AI for free |
| Place 3 |
Candy AISee the review
|
8.2 | Freemium€3.99/mo70% off | Yes | Only on paid plans | Try Candy AI for free |
| Place 4 |
KindroidSee the review
|
8.1 | Freemium$11.67/mo | Yes | Permitted | Try Kindroid for free |
| Place 5 |
HammerAISee the review
|
7.6 | Freemium$9/mo | 600 | Permitted | Try HammerAI for free |
| Place 6 |
KissableSee the review
|
7.5 | Freemium$12.50/mo | Yes | Mild only | Try Kissable for free |
| Place 7 |
DreamGenSee the review
|
7.4 | Freemium$7.83/mo20% off | Yes | Permitted | Try DreamGen for free |
| Place 8 |
Secret Desires AISee the review
|
7.2 | Freemium$6.67/mo | 30 | Permitted | Try Secret Desires AI for free |
| Place 9 |
Chub AISee the review
|
7.1 | Freemium$20/mo | Yes | Permitted | Try Chub AI for free |
| Place 10 |
Kalon AISee the review
|
7.0 | Freemium$9.97/mo | Yes | Permitted | Try Kalon AI for free |
Each app's prices appear in the currency it bills in, with no conversion. Price sorting only compares apps that share a currency.
One thing the table cannot show: which apps sell coins or tokens on top of the plan. It's my least favourite habit in this category, because it turns a clear monthly price into a guess. Secrets AI is a good example: its $19.99 monthly Premium comes with 8,000 Moments, and all Moments purchases are final.
The figures below put the whole market in context, from how many apps let you start free to how much paying yearly usually saves. Read them as a baseline. If a single app looks far off the median, that is your cue to read its review.
The market at a glance
-
8.4/10
is the best overall score reached by any app in our reviews. A typical (median) app gets 6.2.
Data from: our own app data -
100%
of tracked apps let you begin for free.
Data from: our own app data -
$7.99/mo
is the typical (median) cost of the lowest paid plan, with annual billing shown per month.
Data from: our own app data -
48%
is the median you save by paying annually rather than monthly, over 43 apps offering both.
Data from: our own app data -
32
apps also charge for messages or pictures with coins or tokens, beyond the plan.
Data from: our own app data
Worked out from our 78-app database at build time; each figure moves whenever a price changes.
Those numbers are why I lean so hard on yearly plans, with one warning. Paying for a year only saves money when you know you'll stick around. Nomi AI charges $15.99 monthly for Standard, or $99.99 yearly (about $8.33 per month), yet its terms call every payment nonrefundable.
Hence my rule: try the free tier or a single month before you switch. And if an app you rely on suddenly stops answering, the app status page is the first place I'd look before blaming your account.
Prices on these apps move, and so do deals. If you want to hear when a plan price changes or a new app is worth a look, the signup above is the easy way, and you can leave whenever you like. Below it, the box holds the longer guidance I think every reader should skim once: where the facts on My Virtual Girlfriend come from, how to read a review card, which plan I'd point you to first, and what to ask before you pay.
It is organised as short sections, so open the one that matches your question and skip the rest.
How to use these guides and reviews
Why my stories and the checked facts stay apart
Let me be upfront about how My Virtual Girlfriend works, because I think you deserve to know. Every reviewed app has been on my own phone, some on a paid plan and more on the free one, at different times between 2023 and 2026, and each review says when. The facts that can be pinned down are kept separate: the price of each plan, what the free tier allows, the billing name your bank prints, the cancel path and the refund rule, taken from each app's own pages as checked in September 2026.
Where a free tier was checked on a specific date, the page says so, like the Candy AI check on 2026-09-22.
On top of that sits my opinion. I say which plan I think is fair, which refund rule I find mean, and who should walk away. What you will not find is a made-up story about a late-night chat. Any moment you read in a review happened to me, and none of it replaces a true number.
Why does that matter to you? Because the things that hurt in this category are rarely the chat itself. They are the free tier that ends after five messages, the token pack you did not expect, the refund window you missed. Those are facts, and facts can be compared across apps in a way feelings cannot.
What a review on My Virtual Girlfriend covers
Every review on My Virtual Girlfriend follows the same shape, so you can jump between apps and compare like with like. I like this a lot as a reader, because it means you never have to hunt for the price or the refund rule. They always sit in the same place.
Each review answers these questions:
- What the free tier gives, in numbers, and whether adult content is free or paid.
- What the plans cost, and which one I think is the smart buy.
- The name your bank statement shows, such as EverAI for Candy AI or NOMI.AI for Nomi AI.
- How to cancel and what the refund rule says, in the app's own words where possible.
- The catch, stated calmly, with who it affects.
The catch is the part I care about most. Every app has one. For Nomi AI, it is that free messages are capped at 400 characters each and payments are nonrefundable. For OurDream AI, it is that chat runs on Dreamcoins, and past the starting balance, people without a subscription get none free by default. Learning that before you sign up beats reading any list of features.
Then comes my verdict, and it always gives you a way in. Usually that is the free start, because I think you should try an app before you pay for it. When an app has no useful free start, I say which plan to begin with instead.
You will find every app's page in the full list of app reviews, sorted so the strongest picks come first.
Reading the facts on each card
The cards on this page are short on purpose. Each one carries a handful of facts that answer the first questions most people have, and I think those facts do more work than a long description would. Here is how I'd read them.
Start with the free start. It shows whether starting costs you anything, but the real detail is in the review. Character AI lets free users message without a cap, paying with ads and a slow mode, which is generous. Candy AI's free account, as checked on 2026-09-22, allowed just 3-5 messages plus 3-5 images. Both count as a free start, yet they are not the same thing at all.
Next, the price. A card lists the lowest entry price, often the monthly rate of an annual plan. Fair enough, but remember the upfront bill. Candy AI's 12-Month Plan is €3.99 a month, billed €47.88 at once. Secrets AI's annual Premium comes to $9.17 per month, billed $109.99.
Then the content level. Some apps keep everything SFW, like Character AI. Others allow adult content only on paid plans, like Candy AI and GirlfriendGPT. If that matters to you, it should be your first filter, not your last.
Finally, the score. Every card shows my score out of 10, weighted across seven criteria and based on my own use plus the official pages. The recipe behind it sits on my page about how I check the apps on this site. I'd read it once, then trust the cards.
What the cards leave out
A card cannot hold everything, and I would rather tell you what is missing than let you assume it is not there. The biggest gap is the fine print on tokens and coins. A card can say "images: paid", but only the review spells out the 100 monthly tokens in Candy AI's 1-Month Plan, or that Joi AI's free account gives 6 lifetime image generations, not monthly ones.
The second gap is the refund rule. It is too long for a card and too important to shorten. GirlfriendGPT refuses refunds on subscriptions already paid, apart from a few limited cases. OurDream AI offers a 14-day "Quality Guarantee" that it judges one request at a time.
The third gap is quality: how the chat, images and replies actually felt. That lives in the review, where my own notes carry their dates and outside findings are labelled as someone else's. My advice: use the cards to shortlist, then read two reviews before you pay anything.
The catch every app has, and how bad it really is
There is no perfect app in this category, and I do not think you should expect one. What matters is whether the catch is one you can live with. Here are a few I think are worth knowing, all from the records behind the reviews.
Candy AI: the free account is tiny, and the refund window for non-EU/UK users is 24 hours after payment. That is short. If you pay, decide within the first day whether it is for you.
SpicyChat: free users can text without limits on the Default model, which I like, but it comes with ads and possible waiting lines, and fees can't be refunded after the account has seen any use.
CrushOn AI: the Standard plan is cheap at $5.99 a month, but its terms rule out refunding usage fees, with nothing back for unused time either. Other reviewers report people complaining of being charged twice and of support that never replies. If that is right, I'd pay monthly and watch your statement for CRUSHON SUB.
None of these is a reason to panic. Each is a reason to start small. And if you want to lower the cost of the plan you pick, the current deals and coupon codes page lists the discounts that are live right now, so you don't pay full price when you don't have to.
Which plan I'd point you to first
My rule is simple: free first, then one month, then yearly only if you are sure. I know yearly plans look tempting, and the savings can be real. Nomi AI's Standard plan falls from $15.99 to $8.33 per month when billed annually.
But yearly is the plan you regret most if the app turns out not to be your thing, especially when the terms say you get nothing back for not using the app or not liking it.
Where there is a cheap entry plan, I like it as a middle step. Character AI's (c.ai) lite begins at $4.99 monthly, and SpicyChat's Get a Taste costs $5.95. Either one shows you whether paying feels worth it.
Where there is no cheap entry plan, look at what the free tier gives first. Secrets AI offers 20 messages a day for free, enough to size up the chat before Premium ($19.99 monthly) is even on the table.
And one plan I'd usually skip at the start: the top tier. GirlfriendGPT's Elite plan is $50 a month, and I cannot see why anyone would begin there.
The questions worth asking before you pay
Before you pay for any AI companion app, I think five questions deserve an answer. None of them is exciting, but they are the ones that decide whether you still feel good after the first charge.
First, what does the free tier really give? Not "free to join", but the number of messages and images, and whether adult content is part of it. Second, what is the real monthly cost if you use it a lot, including coins or tokens? Third, what name shows up on your bank statement?
Some are plain, like S LABS INC. for Secrets AI or DREAM STUDIO LLC AL for OurDream AI. For privacy, that one line can outweigh every feature.
Fourth, how do you cancel? The best cancel paths are one screen away. Candy AI's terms say you cancel under Settings / Unsubscribe in your account, and OurDream AI's help page points to a "Cancel subscription" button on your profile. Fifth, what does the refund rule say, word for word?
If two apps both pass those questions, the choice gets easier, and that is when a head-to-head helps. The app comparisons put two apps side by side on exactly these points, so you can see which catch you would rather live with. My tip: compare the two you like most, not the two with the best marketing.
When a page changes, and why the date matters
Prices in this category move around a lot, and I would rather a page admit it than pretend a price is forever. Every page on My Virtual Girlfriend carries the date its facts were last checked, and I think you should look at that date before you rely on a number. If it is recent, the price is likely still right. If it is old, open the app's own pricing page before you pay.
A review changes when a fact changes: a new plan, a new price, a new refund rule, a free tier that shrinks. That last one matters most to me. Other reviewers report that OurDream AI's free tier has become much thinner than it was in an earlier test.
When something like that happens, the review and the rankings move with it, even if the app used to sit higher.
Rankings change for the same reason. An app does not keep its place because it was once good. It keeps it because the facts still hold. A list stays useful to you only that way.
If you want the current order across every category, the rankings of the best AI companion apps are the place to start. They reflect the latest facts, and each list says what it ranks on. My advice: if a list and a review ever seem to disagree, trust the review, because it is the one with the full fine print.
How to use a review before you pay
Here is the order I'd read a review in, if you only have five minutes. Start with the free-tier section and ask one question: can you judge the app with what it gives you? For Nomi AI, a daily 50 messages is plenty. For Candy AI, 3-5 messages is a short preview.
Next, jump to the billing note. Read the statement name, the cancel path and the refund rule. If any of them bothers you, stop there. That is a perfectly good reason to pick another app.
Only then read the verdict and the catch. If the catch does not touch what you care about, start free and give the app a fair go. If it does, look at the alternatives at the bottom of the review. There is always another way in.
That is the long version. If you only take one habit from it, make it this: read the free allowance and the refund rule before you read anything else. Everything else on an app page is easier to judge once you know those two lines.
The questions below cover the ones I think come up most often, from which app is free to what shows on your statement. If yours is not there, the review of the app you are considering is the best next stop, and it will usually answer it in the billing note.
Common questions
Which AI companion app is the best to start with for free?
For a steady free start, I like Nomi AI: its permanent free plan allows 50 daily messages of up to 400 characters each, ad-free. Character AI says messaging is free and unlimited for all users, with ads and a slow mode, but it keeps content SFW. SpicyChat lets you text endlessly for free on its Default model, with ads and possible waiting lines.
Which is best depends on whether you want adult content, and that is the first thing I'd decide.
Is Candy AI free?
Only as a short preview. When the free tier was checked on 2026-09-22, a free account had 3-5 messages, 3-5 images and no video. Paying starts at €13.99 for the 1-Month Plan, while the 12-Month Plan comes to €3.99 per month, billed €47.88 upfront.
My view: use the free messages to judge the style, then decide on one month rather than jumping straight to a year.
What will an AI companion app show on my bank statement?
Every app differs, so check before paying. Candy AI shows EverAI, Nomi AI shows NOMI.AI, Secrets AI shows S LABS INC., SpicyChat shows NDAI.CHAT, GirlfriendGPT shows NDAI.CC and CrushOn AI shows CRUSHON SUB. If discretion matters to you, I prefer a neutral company name, EverAI or S LABS INC. being good examples.
Can I get a refund from an AI companion app?
Usually only in narrow cases, so read the rule first. Outside the EU/UK, Candy AI allows a refund request within 24 hours of paying. OurDream AI's 14-day "Quality Guarantee" is decided per request. Nomi AI treats every payment as nonrefundable, and Character AI refunds only when the law forces it. My advice: start free or with one month, never with a yearly plan you have not tried.
How do I cancel an AI companion subscription?
Each app has its own path. Candy AI's terms say to go to Settings / Unsubscribe in your account. OurDream AI's help page has you open your profile, pick "Cancel subscription", then confirm; you keep access until the paid period is over. SpicyChat cancels under Profile > Manage Subscription, which redirects to the payment platform. I'd cancel with a day or two to spare, never on renewal day itself.
Are yearly plans worth it?
They can be, once you know you're staying. Nomi AI's Standard runs $15.99 monthly or $99.99 annually, about $8.33 per month. Secrets AI's Premium runs $19.99 monthly or $109.99 annually, about $9.17 per month.
The saving is real, but most of these apps do not refund unused time, so I'd only switch to yearly after at least one paid month you enjoyed.
Every 101 page listed here
- How does AI companion memory work? A plain guide
- How to secure AI companion privacy (2026), step by step
- Are AI companion apps healthy for relationships?
- Can an AI companion be a good listener? An honest answer
- How much does an AI girlfriend app cost? Real prices, plainly
- How AI companion voice calls work, in plain English
- How to block on Character AI: people, ads and bots
- How to bold text in Character AI, and when to skip it
- How to set boundaries with an AI companion that stick
- How to call on Character AI: what a call gives you
- Can Character AI talk to each other? What's known
- Can Character AI see your chats? An honest answer
- Can Janitor AI see your chats? A plain privacy answer
- Can PolyBuzz see your chats? A plain reading of the policy
- How to cancel your PolyBuzz subscription without surprises
- How much does Candy AI cost? Plans and tokens explained
- Did Character AI remove age verification? What's on file
- How to verify age on Character AI, step by step
- Is Character AI bad for the environment?
- Will Character AI allow NSFW? The honest answer
- Does Character AI use water? The honest answer
- How to know if Character AI banned you, and what to do
- Can you get banned from Character AI? What puts your account at risk
- Can Character AI Beta do NSFW? No, and here's why
- Does Character AI still have a filter? What's on file
- How to take filter off Character AI: the honest answer
- Does Character AI harm the environment? What is on file
- How to make a group chat on Character AI, and what to plan
- Character AI jailbreak prompt: what to do instead
- Why can't I log into Character AI? What to check
- Why won't Character AI load? Start on their side, then yours
- Why won't Character AI work? Find the cause
- What is a persona in Character AI, and how to use one
- Character AI prompts that fit the app's rules
- Why won't Character AI let me sign in? What to do
- Character AI status: down, or just busy?
- How many people use Character AI? What's actually known
- How to make Character AI voices, and what to expect
- How to choose an AI companion app (2026), step by step
- Chub AI status: how to read an outage or error
- How to create an AI girlfriend, one step at a time
- How to customize AI companion personality that sticks
- How to stop being addicted to Character AI, kindly
- How to use DeepSeek on Janitor AI, step by step
- How to delete your PolyBuzz account, the safe way
- How to delete Character AI chats and your account
- How to delete chats on Janitor AI, and what really gets wiped
- Did PolyBuzz get banned? A calm, honest answer
- Does Character AI read your chats? The honest answer
- How to build an emotional bond with an AI companion
- How to find Character AI bots: an honest guide
- How to fix Character AI, problem by problem
- Can you get banned on Character AI?
- How to get past Character AI filter? The honest options
- How does Character AI make money? Plainly answered
- How does Character AI work? Characters, plans and limits
- How AI companion filters work, layer by layer
- Is Character AI 18+ now? The honest answer
- Is Character AI bad? My honest verdict
- Is Character AI generative AI? What it creates, and the limits
- Is PolyBuzz bad? An honest look at the catches
- Is PolyBuzz deleted, or just hard to find?
- Can Janitor AI generate images? The short, honest answer
- Janitor AI custom prompts: what to write and why
- Does Janitor AI have a filter? What the rules allow
- Janitor AI prompts that fit the JLLM context budget
- What is a proxy in Janitor AI, and do you need one?
- What are tokens in Janitor AI and why do they matter?
- How to make Janitor AI faster without wasting money
- How to access old Character AI: an honest answer
- What is OOC in RP? Out of character, explained
- Perchance AI NSFW status in 2026, explained
- Why is PolyBuzz not on the App Store for you?
- PolyBuzz filter bypass problems in 2026, explained
- How to remove the chat filter on PolyBuzz, honestly
- How to turn off the compliance policy on PolyBuzz
- Can PolyBuzz creators see your chats? My honest answer
- Does PolyBuzz have a filter? The honest answer
- Is PolyBuzz off the App Store? Facts and workarounds
- What happened to PolyBuzz today? The facts on file
- How much does Replika cost? Plans, gems and the catch
- Character AI prompts for roleplay that keep a story moving
- How to make rooms in Character AI: what's on file
- Does Character AI save chats? What the records show
- Did Talkie AI get banned in 2026? What is on record
- What AI does PolyBuzz use? The models, plan by plan
- What happened to Chai AI? What is known today
- What happened to PolyBuzz, in plain facts
- What is AI sexting? A plain, judgement-free guide
- What is an AI girlfriend, and is one right for you?
- What is Character AI chat, and who is it really for?
- What is Character AI Plus, and who should pay for it?
- What is PolyBuzz used for? A plain-English answer
- What is wrong with Character AI, and what you can do
- When did Character AI come out?
- When will PolyBuzz be back up, and what can you do now?
- Where is Character AI from, and who runs it?
- Why is Character AI so good? The free chat and the fine print
- Why is PolyBuzz censoring? What sits behind it
- Why did PolyBuzz add ads? The honest answer
- How to write actions in Character AI, step by step
