Best AI Girlfriend Apps in 2026: What They Cost, What Is Free and How Private They Are

Last checked: October 25, 2026

The best AI girlfriend app for most adults is Candy.ai, because it prints its prices, says what shows on your card statement and spells out its refund rule. SpicyChat comes second, with a free tier and flat monthly prices. We checked five apps: Candy.ai, SpicyChat, Nomi, Replika and Kupid AI. All five let you start free, and none will refund you much once you have used it.

Key takeaways

• All five apps let you chat for free before you pay. What you pay for later is memory, photos, voice and fewer limits.
• Only two of the five, Candy.ai and SpicyChat, publish plain dollar prices on their own sites. Nomi and Replika show their prices inside the app or the app store.
• Candy.ai’s 12-month plan is $3.99 a month, but you pay for the whole year up front, about $47.88. SpicyChat’s yearly plans work out to $5.00, $16.66 and $25.00 a month. That math is ours.
• Refunds are tight everywhere. Candy.ai gives you 24 hours if you have used 20 tokens or fewer. Nomi, Replika, SpicyChat and Kupid AI say purchases are final.
• Only Candy.ai tells you the name on your card statement: “EverAI.” We found no statement name for the other four.

How did we rank these AI girlfriend apps?

We read each company’s own pages, not its ads or fan reviews. Then we asked four plain questions:

• Cost clarity. Can you see the real price before you sign up?
• What is free. Can you start without paying or adding a card?
• Billing privacy. Does the company say what will show on your card statement?
• Refunds and cancelling. Can you cancel easily, and can you get money back?

These apps are software. Every character is AI, not a real person. If you want real people, see our best cam sites list or the Creator Pricing Study for what real OnlyFans creators charge. We have not run these apps for a month ourselves, so this is a check of published terms, not a hands-on test.

Which AI girlfriend app costs what?

1. Candy.ai: best for knowing the rules before you pay

Candy.ai is the one that tells you the most up front. Its subscriptions page lists every plan, says you can cancel in your settings, and says the charge shows on your bank statement as “EverAI.” Premium includes unlimited text messages, your own AI characters, 18+ images and videos, and 100 tokens a month.

• Price: $13.99 a month. The first month is $9.99. The 3-month plan is $8.99 a month and the 12-month plan is $3.99 a month, paid up front.
• Free: you can join free. The paid features sit behind Premium.
• Billing: “EverAI” on your statement, per its subscriptions page.
• Refunds: our review found a 24-hour window, and no refund if you used more than 20 tokens.

The catch is tokens. Images, videos and voice notes use them, and the 100 a month run out fast. Read our full Candy.ai review for the cancel steps and the token warning.

Affiliate link. We may earn a commission if you sign up. It does not change your price.

2. SpicyChat: best for a flat price and a free start

SpicyChat prints all three paid tiers in dollars, both monthly and yearly. Its pricing FAQ says prices rose in September 2026: Get A Taste went from $5.00 to $5.95 a month, True Supporter from $14.95 to $19.95, and I’m All In from $24.95 to $29.95. Free users see ads. Paying removes them.

• Price: $5.95, $19.95 or $29.95 a month. Yearly plans are $60, $199.95 and $299.95.
• What you get: the cheapest tier removes ads and adds memory tools. True Supporter adds in-chat images and longer replies. I’m All In adds voice and its biggest models.
• Refunds: its refund policy (updated October 7, 2026) says fees are non-refundable once your login has been used, with no credit for part of a month.
• Billing privacy: we found no card statement name on its pages.

SpicyChat has the clearest ladder from free to fully loaded, which makes it easy to start small. Just know that a paid month cannot be returned.

Advertisement. Affiliate link. We may earn a commission if you sign up. It does not change your price.

3. Nomi: best for a free start with no card

Nomi’s home page says it is free to start chatting, with no credit card required. That is the easiest start of the five. Its cancellation policy says subscriptions are monthly, quarterly or yearly, renew automatically, and must be cancelled before the renewal date.

• Price: not listed on its website. We found it only in the app, so we cannot quote it.
• Cancelling: steps are published for the web, Google Play and the App Store.
• Refunds: its terms say payments are non-refundable and there are no refunds for lack of use or dissatisfaction.
• Age: its terms require you to be 18 or older.

Nomi is a good fit if you want to try before you pay. The downside is that you do not see the price until you are inside.

4. Replika: best known, but check the app for prices

Replika’s help center says chatting with your Replika is always free, and there is no free trial of the paid plans. It sells three paid plans: Pro, Ultra and Platinum. The price shows only on the subscription screens in the app and the store, so we did not copy any.

• What changes with a plan: Pro adds selfies, image generation, voice messages and calls. Ultra adds smarter chats and memory saving. Platinum adds video recognition and training mode.
• Cancelling: only through the app marketplace where you bought it, before the renewal date.
• Refunds: its refund policy says all purchases are final once payment is completed.

Replika leans toward friendship and support more than adult roleplay. Pick it if that is what you want, and read the price on the store screen before you tap buy.

5. Kupid AI: best for per-week limits you can see

Kupid AI’s pricing page spells out weekly limits. Pro allows 25 photos, 8 videos and 12 minutes of voice a week. Ultra allows 75 photos, 25 videos and 35 minutes. You make a free account first. The page was running an “Autumn Discount 75% Off” banner with a countdown timer when we read it, so the real price is hard to pin down.

• Price: shown at weekly rates under the sale banner. One line says $299 once for 12 months, with nothing renewing. We could not match every figure on the page, so check the checkout.
• Billing: the page says “private billing,” but gives no statement name.
• Cancelling: its terms say to email [email protected] to stop rebilling.
• Refunds: its refund policy says all sales are final.

A countdown timer and a 75% banner are pressure tactics. Take your time and compare the total, not the weekly number.

Affiliate link. We may earn a commission if you sign up. It does not change your price.

What does a year of each app cost?

Here is our own math from the published prices. It shows how much the billing choice matters.

• Candy.ai: $47.88 on the 12-month plan, paid up front, or $167.88 if you pay $13.99 a month for 12 months.
• SpicyChat: $60 for the cheapest yearly tier, $199.95 for the middle one and $299.95 for the top one. Paying monthly is $71.40, $239.40 or $359.40.
• Nomi, Replika: not published on their websites.
• Kupid AI: varies with the sale.

The pattern is the same everywhere. Paying for a year is far cheaper per month, but it is also the plan you cannot get back. If you are new, start monthly. Switch to a year only after you know you will use it.

Which one should you pick?

• You want the clearest rules: Candy.ai.
• You want a free start and a flat price: SpicyChat.
• You want to try without a card: Nomi.
• You want a friendly companion, not adult roleplay: Replika.
• You like weekly caps on photos and voice: Kupid AI.

Whatever you pick, set a monthly limit for yourself and do not type personal details into a chat. If you want real creators instead of software, our guide to subscribing privately covers what your bank statement shows, and this explainer shows how AI chat turns up inside creator accounts.

Questions people ask

Sources

• Candy.ai subscriptions page (read October 25, 2026) and our Candy.ai review, which cites its terms and privacy notice
• SpicyChat subscribe page, September 2026 pricing update FAQ, premium features guide and refund policy (read October 25, 2026)
• Nomi home page, cancellation policy and terms of service (read October 25, 2026)
• Replika help: Choosing a Subscription, Refund Policy and free trial (read October 25, 2026)
• Kupid AI subscriptions page and terms of service (read October 25, 2026)

Last verified: October 25, 2026. Prices, sales and policies change. Always read the screen before you pay. Questions or corrections? Tell us and we will check the company’s own page.