Pricing decision tool Cheapest AI girlfriend apps by realistic monthly cost
The sticker price is only the opening bid. This comparison shows the subscription,
free allowance, token traps, refund terms and the monthly budget a real buyer should expect.
Evidence checked September 18, 2026. Prices vary by country, store and promotion.
“Verify checkout” means the provider does not publish enough stable detail for a confident number.
1 SpicyChat AI
Unfiltered roleplay on a budget
Medium confidence
- Advertised subscription
- Free + paid tiers; check checkout
- Realistic monthly cost
- Current local prices, taxes, promotions and renewal totals unverified
- Free tier
- Official Free tier: 4,096 context tokens, 180-token reply ceiling, three personas. No free trials; live queues and message allowances untested.
- Tokens and add-ons
- Documented context windows: 4,096 Free/Get A Taste, 8,192 True Supporter, 16,384 I’m All In. Reply ceilings: 180/180/300/300. These measure context/reply length, not wallet credits, message counts or tested recall.
- Refund terms
- Current official help: dissatisfied direct credit/debit-card customers may request within 24 hours of purchase with minimal usage, which is not quantified. One-time cryptocurrency/local payments are non-refundable; third-party purchases follow that platform. Legacy refund URL is only a loading shell, so full legal-page agreement is unverified. No refund outcome tested.
- Cancel and billing route
- Cancel website billing through Manage Subscription and retain confirmation. Paid access lasts to period end, then returns to Free without deleting content. Cancel third-party billing with that platform.
What can increase the bill: Paid tier · Model and context access · Payment route
2 CrushOn AI
Adult character roleplay
Medium confidence
- Advertised subscription
- ~$6/mo
- Realistic monthly cost
- ~$6/mo+; higher tiers raise speed, model and media allowances
- Free tier
- Limited free tier; full access requires paid subscription or add-ons.
- Tokens and add-ons
- Diamonds and activated chat packages are non-refundable; exact current package prices still need checkout or app-store verification.
- Refund terms
- Official FAQ says purchased diamonds are non-refundable, activated chat packages/digital products are non-refundable, and most subscription periods are non-refundable once started.
- Cancel and billing route
- Benefits remain until billing-cycle end after cancellation; account deletion may be blocked by an active subscription.
What can increase the bill: Tiered plans · Faster models · Diamonds · Chat packages · Media allowances
3 Dream Companion
Broad companion customization
Low confidence
- Advertised subscription
- ~$9.99/mo
- Realistic monthly cost
- ~$9.99/mo+; verify current credit rules and plan limits
- Free tier
- Not reliably documented; verify before signup.
- Tokens and add-ons
- Paid access, Credit rules, Companion/media limits
- Refund terms
- No stable public refund terms verified; assume digital purchases may be final.
- Cancel and billing route
- Confirm the cancellation route before entering payment details.
What can increase the bill: Paid access · Credit rules · Companion/media limits
4 Candy AI
Visual & video experience
Official policy; token-expiry conflict and checkout unverified confidence
- Advertised subscription
- Verify current checkout
- Realistic monthly cost
- Subscription plus media tokens; no verified monthly budget
- Free tier
- Official terms say free users may generally send a maximum of 5 messages.
- Tokens and add-ons
- Terms generally include 100 tokens/month, with the allowance disclosed at checkout. Official sources conflict: terms say remaining tokens expire at period end; help says tokens stay hidden on Free and become usable after resubscribing. Purchased versus included balances and actual wallet behavior remain unresolved.
- Refund terms
- Cancellation does not request a refund. General direct-card subscription requests: within 24 hours, no more than 20 tokens used, no user-side technical issues. Token packs require no use. Terms separately describe EU/UK 14-day initial-purchase withdrawal, prorated for consumed services, not renewals.
- Cancel and billing route
- Official terms say subscriptions auto-renew and can be cancelled in account settings; paid access remains until period end.
What can increase the bill: 5-message free cap · Generally 100 subscriber tokens/month · Images · Voice notes · Video · Private packs
5 Kindroid
Customization & privacy
High confidence
- Advertised subscription
- Current country/platform price at checkout
- Realistic monthly cost
- Standard + optional Ultra + optional MAX + extra media credits; verify the combined checkout total
- Free tier
- One-time 50-message preview on the flagship model with standard paid memory; 15 in some regions. Then read-only. The payment-backed 3-day trial auto-converts unless cancelled.
- Tokens and add-ons
- Ultra requires Standard; MAX requires Standard plus Ultra. These are cumulative, not standalone plans. Exact voice/media credit rates need a current checkout check.
- Refund terms
- Previously documented as generally final, with case-by-case refunds; verify the current terms before purchase.
- Cancel and billing route
- Cancel through the original billing channel. Trial converts automatically if not cancelled. After expiry the account becomes read-only.
What can increase the bill: Cumulative memory/context add-ons · Media and voice credits · Platform, region and tax
6 Kupid AI
Character-driven romantic chat
Medium confidence
- Advertised subscription
- ~$12.99/mo
- Realistic monthly cost
- ~$12.99/mo+; image use can require token budget
- Free tier
- Not reliably documented; verify before signup.
- Tokens and add-ons
- Image tokens, Annual discount, Character/chat limits
- Refund terms
- No stable public refund terms verified; assume digital purchases may be final.
- Cancel and billing route
- Confirm the cancellation route before entering payment details.
What can increase the bill: Image tokens · Annual discount · Character/chat limits
7 FantasyGF
Generated photos and clips
Medium confidence
- Advertised subscription
- $12.99/mo
- Realistic monthly cost
- $12.99/mo+; generated media credits can push the bill higher
- Free tier
- Public signup is available, but the lasting free allowance still needs an in-account check.
- Tokens and add-ons
- Photo and video generation uses credits; included balances, per-generation costs and refill prices need an in-account check.
- Refund terms
- No refunds are issued for partial subscription periods. One-time token or content purchases may be considered case by case within 7 days if unconsumed, erroneous or affected by a technical issue.
- Cancel and billing route
- Cancel in Account Settings or through support; access remains active until the end of the billing period.
What can increase the bill: Photo credits · Video credits · Token packages
8 DreamGF
Custom AI girlfriend visuals
Medium confidence
- Advertised subscription
- Public introductory/renewal labels conflict; verify checkout
- Realistic monthly cost
- Renewal cadence unresolved: monthly/quarterly labels conflict; subscription plus token refills
- Free tier
- Verify current free/trial state before recommending; membership policy centers on paid membership plus tokens.
- Tokens and add-ons
- Policy lists 100 base monthly tokens; companion creation 20, image 10, voice message 3, voice calls 7/minute. Promotional allowances may vary. Policy reserves a possible $1.99/month maintenance charge for previously purchased accounts; current account applicability needs verification.
- Refund terms
- Membership policy denies refunds after listed use (companions, photos, messages or credits); general terms separately allow discretionary refunds. Bonus-offer cancellation lock and possible maintenance fee also require checking.
- Cancel and billing route
- Ordinary cancellation leaves access until period end, but the specific +100 instant/monthly bonus offer blocks cancellation for 30 days; a possible maintenance fee is separate.
What can increase the bill: Subscription · Monthly token allocation · Image generation · Voice messages · Voice calls
How do you use this pricing tool?
Start with the realistic monthly figure, then read the confidence badge. A high-confidence row is grounded in
official billing or policy material. Medium means the headline is visible but one or more limits need checking.
Low means the app hides enough detail behind signup that the responsible recommendation is to verify checkout.
How do subscription prices and token costs differ?
Text chat may be unlimited while images, voice, video, premium models or extra companions draw from a separate
wallet. Candy AI is the obvious example: the subscription generally includes unlimited text and about 100 monthly
tokens, but media remains metered. Kindroid is more predictable at Standard, although Ultra, MAX and media credits
stack on the base subscription; exact country/platform totals are shown at checkout.
Our token cost guide explains the mechanics, while the
real subscription-cost guide shows how renewal,
annual billing and add-ons distort the advertised price.
How do refunds and cancellations work in practice?
Most digital companion subscriptions are difficult to refund after use. Candy’s standard card route is unusually
specific: requests generally need to land within 24 hours and before more than 20 tokens are used. Kindroid says
sales are generally final and handles exceptions case by case. CrushOn treats activated packages and Diamonds as
non-refundable. Always confirm whether Apple, Google, the website or a third-party payment provider owns the billing.
Which cheap app is best for each buyer type?
- Mostly text chat: test SpicyChat or CrushOn free first, then compare limits at checkout.
- Long-term memory: Kindroid costs more than the cheapest headline but has a clearer free tier and plan ladder.
- Images and voice: Candy AI is easier to evaluate than vague visual apps, but set a token budget.
- Dream Companion specifically: read the consolidated Dream Companion review and treat the first month as verification.
FantasyGF evidence update — October 30, 2026: its public terms list
subscription prices, but that does not settle media-credit spend. The
FantasyGF price and refund breakdown
separates the plan charge, unknown generation costs and conditional one-time-purchase refunds.
Which three rules should you follow before paying?
- Use the free tier long enough to find the first real limit.
- Buy one month before considering annual billing.
- Locate cancellation, refund and account-deletion instructions before entering card details.
If your priority is overall quality rather than the smallest number, compare the
best AI girlfriend apps by memory, privacy and value too.