Which AI character generator fits you: 13 apps side by side

Moescape AI pairs a character hub with image generation, and new users get 100 Mochi plus 50 free Mochi a day to spend. Character AI's free plan has unlimited messaging, so you can build a character and talk to it for as long as you like, though its content policy keeps things SFW.

Every app here lets you make custom characters, and most add image generation on top. That's what put them on this list. If a looser content policy is what you care about, my guide to uncensored AI apps takes that angle instead.

Next comes the free start. Does the app publish what free users get, and is there enough to build a character before paying? Then the price of the plan worth buying, plus the credits or coins that images cost on top. Last comes the fine print: the refund rule and the cancel path.

A consistent AI character generator is the dream, and the records don't let me promise one: reviews of Chub AI, for example, mention a likeness that shifts between pictures. So I don't rank on art quality nobody can verify from official pages. The order weighs these facts from each app's official pages, with outside reviews filling gaps: this is desk research. The full method is on how I check the apps.

For deep roleplay with community characters, Chub AI. The other five, HammerAI, Privee AI, Uncensy, Dippy AI and Talkie AI, sit in the tables. Dippy AI deserves a word: reviews call its character creator its strongest part, with backstory and traits set in separate steps. For drawn styles, see my anime AI chat picks.

Building costs nothing. The free plan chats without a cap on the Default model, with ads, possible waiting lines, 4K memory and replies up to 180 tokens. What free leaves out is art. Images start at True Supporter, $19.95 a month, which adds unlimited pictures inside chats, 8K context and room for up to 50 personas.

The image generator lists anime or semi-realistic styles and custom prompts. One outside source says True Supporter images work only with certain supported characters, while Im All In at $29.95 covers every character.

That's the catch for a generator list. Other reviewers report that one realistic character looked different in each picture, so I wouldn't count on a steady likeness. The cheapest paid step, Get a Taste at $5.95, removes ads and queues and adds a memory manager, but no images.

Who it suits: people who write a character first and want to talk to it for free. My SpicyChat review lays out each tier.

• Starting free: Free tier
• Lowest price: $5.00 monthly (Get a Taste)
• Allowed: mature chat permitted
• Runs on: web

The free plan gives 50 messages a day, up to 400 characters each, plus 2 images a day and no ads. Paid plans let you keep up to 10 Nomis active at once, with extra slots at 100 credits each, and subscribers get 40 image credits a day. An image-to-video tool turns an existing selfie or art picture into a clip of about 5 seconds, for 6 credits in SD or 10 in HD.

The art side has limits. Reviewers say pictures come from a ready-made gallery with no free prompting, and Nomi limits pictures to clothed photos on every tier, even though text chat allows adult content. So Nomi builds a personality better than a portrait.

If you pay, Standard Plan Yearly is $99.99, about $8.33 a month, and payments are not refunded. The details are in my Nomi AI review.

• Starting free: Free tier, 50 free messages daily
• Lowest price: $8.33 monthly (Standard Plan Yearly)
• Allowed: mature chat permitted
• Runs on: web, ios, android

The free start is barely a start. The Terms of Service cap free users at 5 messages, and a check on 2026-09-22 found 3-5 messages and 3-5 images in total, no video and no daily refill. Adult content needs a paid plan.

On a paid plan, art runs on tokens. The 1-Month Plan at €13.99 includes unlimited text chat and 100 tokens a month. Outside sources put an image at 2 or 4 tokens depending on the engine, a short video at 12 tokens rising to about 80 for 55 seconds, and a new custom character at 10 tokens. The 12-Month Plan works out to €3.99 a month, billed €47.88 upfront.

Reviewers praise lifelike pictures that keep one look between generations, but report about 1 image in 8 with obvious flaws and no free redo. Outside the EU/UK, refunds must be requested within 24 hours of paying. My Candy AI review covers the token math.

• Starting free: Free tier
• Lowest price: €3.99 monthly (12-Month Plan)
• Allowed: mature chat, paid plans
• Runs on: web

The free start is the weak spot. Free accounts exist, but the official FAQ says its ability to offer them is limited, and no exact free limits are published. I'd treat free as a look around, nothing more.

The only plan confirmed on the official pricing page is Deluxe at €49.90 a month: chat on the 70B model with no cap, plus images and voice with no cap, while video is paid per use in Souls. Cheaper tiers, Just Chatting and Premium, are reported by outside reviews but not confirmed officially, so I wouldn't plan around them. That's a lot of money to start with, and I'd only pay it if images are a big part of why you're here.

Reviews say the images are fun, video feels like an occasional paid extra, and the voice sounds flat. Within one session memory keeps a scene together; across weeks it doesn't. The refund policy page couldn't be read, so the refund rule is unknown.

Skip it if you want a cheap start. To weigh it against a companion builder with a cheaper yearly price, read my Candy AI review.

• Starting free: Free tier
• Lowest price: €11.99 monthly (Just Chatting)
• Allowed: mature chat permitted
• Runs on: web

Here's my hesitation: the paid plans are hard to read. Plus is $9.99 a month, Pro $14.99, Premium $29.99 and Platinum $39.99, but the Mochi each one includes is disputed between sources, and Platinum's 6,250 Mochi comes from a single source. I'd start on Pro, the cheapest plan with unlimited chat on basic models, and top up only if the credits run short.

And they may. Other reviewers report that credits run out fast on images, rerolls and video, so the plan price isn't the whole cost if art is your main use. Those same reviews rate memory as decent, if imperfect, over long roleplay, and find the site busy for newcomers.

Its content policy is soft rather than fully adult, which suits people who want character art more than adult roleplay. Refunds depend on whether you've used the Mochi or benefits. Skip it if adult content is the point; my NSFW AI chat rankings cover that.

• Starting free: Free tier
• Lowest price: $9.99 monthly (Plus)
• Allowed: unconfirmed
• Runs on: web, ios, android

Paying is cheap. The (c.ai) lite plan costs $4.99 a month to start, and c.ai+ is $9.99, or $94.99 a year, which is $7.92 a month. c.ai+ removes ads and slow mode and gives the best memory, with 30 pins. That's the plan I'd pick, and only once free chat feels too slow.

The catch is twofold. First, the content policy doesn't allow adult content at all, so this is a builder for SFW characters. Second, memory: reviews describe strong recall of buried facts, but also the AI inventing confident extra details and forgetting a promise made ten messages earlier. One reviewer also had cards declined at c.ai+ checkout for three weeks. No refunds are given on payments unless the law says otherwise.

Skip it if you want romance with fewer limits. My AI girlfriend rankings suit that better.

• Starting free: Free tier
• Lowest price: $4.99 monthly ((c.ai) lite)
• Allowed: unconfirmed
• Runs on: web, ios, android

Chub AI is thin on free use. There's no standing free plan, only one-time trial credits worth a few dozen messages that are sent to new users regularly, plus free self-hosting through Kobold or Ooba for technical users. To me, that doesn't add up to a genuine free tier.

The single plan, Mars, costs $20 a month and includes unlimited access to all Chub models including Soji, unlimited voice and unlimited multimedia generation. One flat price that covers chat, voice and images is something I like.

The catch is quality. Reviews mention dialogue confusion and repetition, including the AI writing both sides of the conversation. The Imagine image tool looks photorealistic but clearly AI-made up close, with an inconsistent likeness, and the voice sounds like an audiobook narrator. Refunds, per outside sources, come only in exceptional cases.

Skip it if you want a free plan to start with. To compare it with every other list on the site, begin at my top AI apps overview.

• Starting free: Free tier
• Lowest price: $20.00 monthly (Mars)
• Allowed: mature chat permitted
• Runs on: web

That's why it earns a place on a character generator list. You can make your own characters, put them in group chats and generate pictures of them, all without paying or signing up. If you want an AI character generator from text, where you describe someone and start chatting, this is the lowest-risk way to try the idea.

My hesitation is about who runs it. The Terms say "We are Perchance.org", and no legal company is named in the records. For a free tool with no account that may matter less, but it does mean there's no named company to hold to account if something goes wrong. I'd share nothing personal in these chats.

Quality is serviceable rather than great. Other reviewers report that memory held well for 30-40 exchanges but lost a plot point about 60 messages back. Memory is editable, which helps, but long chats still drift.

Images work better in a realistic style than an anime one, hands are a weak point, and the base interface looks dated, though community forks improve it.

There are no voice calls, and the records don't state a content policy, so don't assume either way.

Who should skip it: anyone who wants voice, video or a polished app. If you'd rather have unlimited free text chat from a named company, my SpicyChat review is the next place I'd look.

• Starting free: Free tier, unlimited
• Lowest price: unconfirmed
• Allowed: unconfirmed
• Runs on: web

Perchance costs nothing at all, Character AI's free plan has unlimited messaging, and HammerAI's free plan gives 600 messages a day. Images are where the bills climb, through Mochi, credits, Souls or diamonds. So if art is why you're here, compare what each plan includes for images before comparing headline prices. Talkie AI's prices and two of Soulkyn's come from outside sources only, so treat them as unconfirmed.

The first is flat and unlimited. Chub AI's Mars plan at $20 a month includes unlimited multimedia generation, and Soulkyn's Deluxe includes unlimited images, with video paid per use in Souls. Perchance charges nothing at all for unlimited images.

This is the model I'd pick if you plan to make a lot of art, as long as the quality suits you.

The second is credits included with a plan. HammerAI's Starter at $9 a month gives 1,500 credits, which is 150 images or 300 TTS, and Advanced at $18 gives 3,500 credits, or 350 images. Moescape AI's plans come with monthly Mochi, though the exact amounts are disputed between sources, and reviews note that rerolls eat credits too.

The third is diamonds on top. Uncensy's Spark at $7.99 includes 50 diamonds a month, and its free plan pays for images, voice and video with diamonds at higher rates than Blaze. That adds up if you generate often.

Refund rules are strict almost everywhere: HammerAI says all purchases are final, and Character AI gives no refunds beyond what the law demands. For how a big roleplay app outside this list handles credits and refunds, see my CrushOn AI review.

The apps side by side, right after this, shows which apps list images, video, voice and custom characters, so you can cross off any app missing the one thing you need.

My take: start on Moescape AI's free Mochi and see whether you really make art every day. If you do, and you want voice and video too, Soulkyn's Deluxe plan earns its price. If adult content matters, Soulkyn is the one of these two whose policy allows it. And if spending nothing is the point, my free AI chat picks go further.

• Who runs it. Perchance names no legal company at all, only "Perchance.org". Every other app here names one, from Character Technologies, Inc. behind Character AI to Butter Games LLC behind Privee AI.
• Where you pay. Talkie AI plans are changed or cancelled only in the app marketplace where you bought them. HammerAI bills through Gank, where you cancel, pause or modify the plan.
• Refund fallbacks. Dippy AI and Privee AI publish no refund policy of their own; their terms point you to the app store you paid through.
• Leaving. Dippy AI's terms say you can close your account at any time by emailing support.

My advice: give your characters rich backstories, but keep your real name, address and workplace out of them. Use a separate email for character apps, one you don't use for banking or work, and check what the privacy policy says before any personal detail goes into a chat. If you want to see what a full billing, cancel and refund write-up looks like for one app, my OurDream AI review is a good example.