The best AI girlfriend apps, all in one place

I want to be upfront about this, because it shapes everything else on My Virtual Girlfriend. Every app reviewed here has been on my own phone during the years 2023 to 2026, some on a paid plan and most on the free plan only, and each review tells that story with its months and amounts. The facts are a separate job.

The plans and prices, the free allowance, the content policy, the billing name, the cancel path and the refund rule come from each app's official pages, as checked in September 2026.

Where a free tier was checked, the date is on the page, like the Candy AI check on 2026-09-22. Where another review site adds something, the review names it as their view and keeps it apart from mine.

I think this is more useful than it sounds. Most of what hurts people with these apps is not a bad reply. It's a free plan that ends after five messages, coins on top of a subscription, a refund window of 24 hours, or a statement line that says more than you'd like.

All of that is written down somewhere, and reading the official pages closely is how I find it and say it plainly.

My opinions are still here, and I don't hide them. I'll tell you which plan I'd skip, which refund rule I find mean, and who should walk away.

Every review here is built from the same parts, in the same order, so you can jump between apps without relearning the page. I like that kind of order. It means that when two apps disagree, you're comparing the same facts, not two different moods.

Each review answers the questions you'd ask before paying:

• Is there a free start, and exactly what does it allow: messages, images, a daily reset or a one-off amount?
• What does the cheapest plan worth paying for cost, and do tokens or coins sit on top?
• What content level does the app allow, and is it free or only on paid plans?
• What name shows on the bank statement, how do you cancel, and what does the refund rule say?
• How did chat, memory, images and voice hold up while I had the app, and what do other review sites add?

The facts come from official pages: pricing, terms of service, help centres and refund policies. Prices are written exactly as the app lists them, in its own currency, so Candy AI shows euros and most others show dollars. Where a fact is missing, the review says it isn't known yet instead of guessing.

Then comes the part I care about most: my view of those facts. Is the free start honest? Is the yearly plan the smart buy? Is the refund rule fair or mean?

You'll find a verdict and a catch on every app, never a perfect score with nothing to lose.

If you want the full method, including how my scores out of 10 are worked out, read how the apps on this site are checked. And if companions are your main interest, my ranked list of AI girlfriend apps goes deeper on that one question.

The cards on this page are small, so here is what each part means and how I'd read it.

Every card shows my score out of 10, built from my own time with the app and today's official facts. The score sits beside the entry; it does not set the order. The order weighs topic fit, the free start, price, content level and the fine print.

It is a starting point, not a verdict, so I'd always read the "best for" line next to it.

The free start tells you whether you can begin without paying. Read it closely, because "free" means very different things. Nomi AI's free plan is permanent at 50 messages a day. Character AI says free messaging is unlimited for all users, with ads and a slow mode at busy times. Candy AI's free start, in a check dated 2026-09-22, was 3-5 messages. All three are called free.

The price is the cheapest plan's monthly cost, and yearly plans are shown per month. That's why a card can look cheap: Candy AI's 12-Month Plan is €47.88, which works out to €3.99 a month, but you pay it upfront. I'd only take a yearly plan once the monthly one has earned it.

The content level tells you what the app allows: SFW only, or adult content, and whether that is free or paid. Character AI keeps content SFW. Candy AI allows adult content on paid plans only.

If the content level is your main filter, my NSFW AI chat rankings compare only the apps whose policy allows adult content.

A card can't tell you how a chat feels, and I won't pretend it can. Chat quality, how well an app remembers you, and how natural a voice sounds are the things people care about most, and they are the hardest to pin down with a fact.

The reviews handle this in two ways. Each one tells what I saw on the plan I had, free or paid, and when. Where other review sites add something, the review names it as theirs, and where nothing is known, it leaves a gap rather than a guess.

Cards also skip the small print that only matters to some readers: which login options exist, whether there is an app for your phone, or how a group chat works. That lives in the full review. My advice: use the cards to get down to two or three apps, then read those reviews in full.

Every app has a catch, and I think you deserve to hear it before the price, not after. Here are a few of the ones I'd want to know about, straight from the reviews.

Candy AI's refund window for non-EU/UK buyers is 24 hours after payment. That's short, so if you're unsure, stay on the free start longer. Other reviewers report visible errors on roughly 1 in 8 generated images, and no free retry when that happens. If that rate is right, I'd budget for it.

Nomi AI says all payments are nonrefundable, and it doesn't refund for lack of use or dissatisfaction. Its free plan is generous, so there's no reason to pay before you're sure.

OurDream AI runs on Dreamcoins: without a subscription, every chat message uses up 1 Dreamcoin. Coin systems make the real monthly cost harder to see, which is my least favourite thing in this market.

GirlfriendGPT won't refund a subscription once it's paid, apart from a few limited cases. SpicyChat's fees become non-refundable as soon as the account has been used.

None of these is a reason to walk away. They're reasons to start free and pay monthly first. And if story and scene-setting matter more to you than a companion, my AI chat roleplay picks weigh these catches for that use.

My rule is simple, and every review here follows it: start on the free plan if there is one, then pay monthly, and only go yearly once the app has earned it.

Why monthly first? Because the refund rules are strict. Nomi AI, Character AI and GirlfriendGPT all say payments are non-refundable in most cases, so a yearly plan you regret is money you won't see again. A monthly plan limits the damage to one month.

Why yearly later? Because the savings can be large. Take Nomi AI's Standard Plan: $15.99 if you pay by the month, $99.99 if you pay for the year, so the annual bill averages out near $8.33 per month. With Character AI's c.ai+, it's $9.99 against $94.99 for the full year. Those are real savings, but only if you'd still be using the app in month six.

I'd also skip the top tier at first. OurDream AI's Deluxe Monthly plan is $59.99, and most readers won't need what it adds on day one. Each review names the plan I think is the smart buy and says who should skip the rest, so if you read one section of a review, make it that one.

A review earns its place on My Virtual Girlfriend only if it answers the questions you'd ask a friend before paying. Here's my list, and it's the same for every app.

Can I start free, and how far does free go? A daily allowance, a one-off amount and "unlimited with ads" are three very different things.

What will it really cost me each month? The plan price is one number. Tokens or coins for images and voice can be another.

What content level does it allow? SFW only, or adult content, and is that on the free plan or paid only?

Can I build my own character? This one matters a lot to me. Being able to shape who you talk to, instead of picking from a menu that assumes one kind of user, makes an app more comfortable for more people. Candy AI, Nomi AI, SpicyChat and OurDream AI all list custom characters.

What shows on my bank statement, and can I cancel easily? On a statement, Nomi AI appears as NOMI.AI and SpicyChat appears as NDAI.CHAT, and I think you should know that before you pay.

What happens if I want my money back? The refund rule is quoted in every review.

If the first question is the only one you care about, my free AI chat rankings answer it for every app on the site.

These apps change their prices and plans often, and a review that doesn't keep up is worse than no review. So each review here carries the date its facts were last checked, and I'd look at that date before you trust any price on it, including on this page.

A few things make a review change. A new price or a new plan is the most common. A change to the free allowance matters most to me, because it decides whether you can start without paying.

Then come changes to the refund rule, the cancel path or the billing name, and new reports from other review sites about memory or images.

When one of those changes, the order on this page can move too. An app can climb because it made its free start more generous, or drop because it added coins on top of a subscription. I think that's how it should work: the ranking follows the facts, not the other way round.

What doesn't change a review is an app asking nicely. Commercial boxes never show cons, but the catch always stays in the review text and the pros and cons.

Every list here follows the same rule, including my uncensored AI rankings, and each one shows its own date.

Here's the order I'd read a review in, if you want the most out of five minutes.

Start with the free start, and decide whether it's enough to judge the app. If it is, sign up free and stop reading there for now.

If you're thinking of paying, jump to the plan I recommend and read the catch next to it. Then read the billing note: the statement name, the cancel path and the refund rule. Those three decide how easy it is to leave.

Last, read my notes on chat quality and memory, plus what other review sites add, and weigh them against what you want. If memory is your main need, that section matters more than the price. If the refund rule makes you nervous, stick to monthly billing and note the renewal day somewhere you'll actually see it.