By Jeffrey Barrett · Checked 9 Nov 2026 · 18+
Joi AI charges Neurons to read spicy messages, even on Premium. Six alternatives compared on real cost, free tier and refunds.
What I found (checked 9 November 2026)
- Joi AI’s headline price is low (reported $13.99 a month or $47.99 a year before tax), but its terms charge Neurons to read each spicy message (4), view a photo (up to 120) or a video (up to 1,900), even on Premium.
- Prices are not published and vary by region; I found reports from $9.99 to $18.99 a month.
- Alternatives without a per-message meter: OurDream AI and Secrets AI on paid plans, naughti.ai by design, GoLove AI for free text chat.
- Joi still does some things best: rollover of unused benefits, a named age-check provider and live video calls.
Disclosure: this site is made by the naughti.ai team. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links: this site may earn a commission if you sign up, at no extra cost to you. Every price comes from the vendor’s own page or a named source, checked 9 November 2026. Adults 18+ only; all characters in these apps are AI and fictional.
Pick the reason closest to yours:
What bothers you most about Joi AI?
| You want | Try | Why | Entry price |
|---|---|---|---|
| A story, no meter at all | naughti.ai | Hand-written scenarios with an ending, a new one every week, 100 credits a month | €14.99/mo (≈$16.74) |
| A fixed monthly media allowance | Secrets AI | 8,000 Moments a month, messages not metered | $19.99/mo or $109.99/yr |
| Unlimited chat with a huge library | OurDream AI | Unlimited messages, 1,000 coins for media | $19.99/mo or $119.88/yr |
| A cheap builder with video calls | Nectar AI | Builder, images, video, voice and video calls | $9.99/mo (reported) |
| Published per-minute call prices | Xotic AI | Voice 50 XOT/min, video call 250 XOT/min | $24.99/mo |
| Free text chat | GoLove AI | 350+ premade characters, unlimited free text chat | Text chat free |
All checked 9 November 2026. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links: this site may earn a commission if you sign up, at no extra cost to you.
Joi sells two things. Premium is the subscription; its reported US price was $13.99 a month, $20.99 a quarter or $47.99 a year before tax in October 2026. Neurons are the pay-per-view currency, and Joi’s terms say they pay for anything not in the subscription, “including” romantic and explicit messages, visual content and adult scenarios. The terms give three prices: 4 Neurons to read one romantic message, up to 120 to view a photo and up to 1,900 to view a video.
Premium includes a monthly Neuron allowance (reported at about 1,000 on the monthly plan), and unused benefits roll over. Neuron packs are reported at 500 for $9.99 up to 10,000 for $99.99, so one Neuron costs about 1 to 2 cents. In practice: 100 spicy messages a month are 400 Neurons, which is fine; a single 5-minute live video call, reported at about 3,500 Neurons, is not.
| Joi AI | naughti.ai | Secrets AI | OurDream AI | Nectar AI | Xotic AI | GoLove AI | |
|---|---|---|---|---|---|---|---|
| Pay to read spicy messages | Yes, 4 Neurons each | No | No | No | Message cap in site text | No | No |
| Prices public | No, vary by region | One monthly plan | Yes (wiki) | Yes (FAQ) | No | Yes | No |
| Monthly price | $13.99/mo + tax (reported) | €14.99/mo (≈$16.74) | $19.99 | $19.99 | $9.99 (reported) | $24.99 | Not public |
| Cheapest yearly | $47.99/yr + tax (reported) | Monthly plan only | $109.99 | $119.88 | $59.99 (reported) | Not shown | Not public |
| Unused benefits roll over | Yes | Not stated | Not stated | Not published | Not stated | Not stated | Not stated |
| Video calls | Live, ~3,500 Neurons/5 min (reported) | Not stated | Audio calls | Voice calls | Yes | 250 XOT/min | Live mode, some chars |
| Free tier | 6 lifetime images | Not published | 20 msgs/day | 5 msgs/character (reported) | ~15 msgs/day (reported) | 5 msgs total | Unlimited text |
| Age check (US) | VerifyMyAge | 18+ attestation | Click-through + email | Click-through | Click-through | Gate + card | Click-through |
| Refund | 14 days, 3 narrow cases | Final, narrow exceptions | No refund for period | 14-day defects, discretion | Non-refundable | Plans no | 24 h, ≤20 credits |
| Operator | Novi Ltd, Cyprus | NaughtiAI OÜ, Estonia | Secret Labs Inc., US | Dream Studio USA, Inc. | Nectar AI, LLC, US | Xotic Tech OÜ, Estonia | 404 Intelligence, Cyprus |
y = yes or better for you, n = no or worse, amber = partial or not verified. Checked 9 November 2026. Joi prices are reported, before tax, and vary by region; naughti.ai converted from EUR at 1.1165.
naughti.ai has no pay-per-read: hand-written adult scenarios with a beginning and an end, a new one every week, all included in one monthly subscription.
Secrets AI includes 8,000 Moments a month on Premium and does not charge you to read messages. Prices are public on its wiki.
Secrets AI (Secret Labs Inc., Delaware) publishes its plans on an official wiki: Premium $19.99 a month or $109.99 a year with 8,000 Moments a month. Messages are not charged; Moments pay for images (50 to 100), video (320 to 1,200 per 5-second clip) and audio calls (50 a minute). The free tier is 20 messages a day per device. Its card statement reads “S LABS INC”. Trustpilot: 4.5 from 317 reviews on a profile that invites reviews.
OurDream AI (Dream Studio USA, Inc.) lists $19.99 a month or $9.99 a month billed $119.88 a year in its FAQ, with unlimited messages and 1,000 dreamcoins a month for calls and video. It has the biggest community library here and both realistic and anime styles. Watch out: the free tier is reported at 5 messages per character, and its Trustpilot profile was removed.
Instead of chat you pay per line, naughti.ai gives you hand-written adult scenarios with premade characters and a beginning and an end, plus a new scenario every week. The chat memory stays coherent after several thousand messages. There is one monthly plan, €14.99/mo (≈$16.74), with 100 credits a month included; scenario content is included, and credits only pay for more: pre-generated top-quality content at 15 credits each, your own images at 4 credits and video from 30 credits. Credits are not refunded. No custom characters, web only. Compare: naughti.ai vs Joi AI.
Nectar AI (Nectar AI, LLC with a UK entity) offers a builder, images, video, voice chat and video calls. Paid plans are reported at $9.99, $19.99 and $34.99 a month plus credits, and the site’s own text caps Premium at 6,000 messages a month. Fees are non-refundable.
Xotic AI (Xotic Tech OÜ, Estonia) is the only app here that publishes per-minute call prices: 50 XOT for voice and 250 XOT for video, with Ultimate at $24.99 a month and 1,000 XOT. The 5 free messages never reset.
GoLove AI (404 Intelligence LTD, Cyprus) offers free unlimited text chat with 350+ premade characters, says its homepage. Premium prices are not public and the custom creator is not live.
Joi is a reasonable choice if you mostly chat in safe-for-work mode, where the Neuron meter rarely bites, or if you use live video calls and want them in the same app. Its rollover of unused benefits is the most generous rule in this group, and it is the only app here that names its age-check provider for everyone. Leave if you find yourself buying Neuron packs every week to read replies.
| App | Monthly | Yearly | What costs extra |
|---|---|---|---|
| Joi AI | $13.99/mo + tax (reported) | $47.99/yr + tax (reported) | Neurons per spicy message, photo, video, call |
| naughti.ai | €14.99/mo (≈$16.74) | Monthly plan only | Credits beyond 100/mo (images 4, video from 30) |
| Secrets AI | $19.99 | $109.99 | Moments beyond 8,000/mo |
| OurDream AI | $19.99 | $119.88 | Coins beyond 1,000/mo |
| Nectar AI | $9.99 (reported) | $59.99 (reported) | Credits for media |
| Xotic AI | $24.99 | Not shown | XOT beyond 1,000/mo |
| GoLove AI | Not public | Not public | Stars or credits for HD |
I checked these figures on 9 November 2026. naughti.ai prices are in euros, converted at the ECB rate of 1.1165.
The apps are the ones that share Joi’s audience in Google US data (Keyword Planner and Trends, pulled 9 November 2026); the facts come from each vendor’s terms, refund, privacy and help pages first, then named reviews. Joi’s own prices are third-party reports because Joi publishes none. Full method: how I check these apps.
I accessed these sources between 3 and 9 November 2026.
Adults 18+ only. All characters in the apps on this page are AI and fictional. This site is independent of Novi Limited, the company behind Joi AI; Joi AI links on this site are affiliate links.
Premium, Neuron packs and what one evening costs.
joi.ai vs joi.com, Neurons, complaints and the verdict.
What the Basic tier gives, free Neurons, and freer apps.
It depends on what you want to stop paying for. If it is Neurons for reading spicy messages, OurDream AI or Secrets AI, which do not meter messages on paid plans. If it is a blank chat, naughti.ai with hand-written scenarios that have a beginning and an end. If it is any payment at all, GoLove AI’s free text chat.
None of the builders is currency-free for media, but several do not charge per message: OurDream AI and Secrets AI include unlimited messages on paid plans, and Xotic AI meters media, not chat. naughti.ai includes its scenarios in the subscription, adds 100 credits a month and has no message meter.
On paper Joi is already cheap: a reported $47.99 a year before tax. What makes it expensive is pay-per-view: 4 Neurons per spicy message read, up to 120 per photo and up to 1,900 per video view. Nectar AI is reported at $9.99 a month, but it also sells credits.
Yes. Both run the same build from Novi Limited under the same terms, and the card statement shows joi.com either way. joi.ai leads with safe-for-work characters behind a mature-content toggle, while joi.com is branded JOI Spicy and leads with adult categories. One account works on both.
JOI Spicy is how joi.com brands itself: the adult-first front of the same platform as joi.ai, with categories, video generation and creator characters on the homepage. Pricing, Neurons and terms are identical on both domains, checked 9 November 2026.
Trustpilot reviews from September to November 2026 most often cite the Neuron cost per generation and per explicit message, charges on top of Premium, faulty media that is not refunded, and slow email support. Some reviewers praise fast support and conversation quality.
Yes, the Basic tier, but it is thin: 6 lifetime image generations stored for 7 days, no published message allowance, and 100 Neurons for linking Discord. Joi’s terms reserve the right to deny free use to anyone. See free Joi AI alternatives.
Joi does not publish prices. A US checkout reported in October 2026 showed Premium at $13.99 a month, $20.99 per 3 months or $47.99 a year before tax; other sites quote $9.99 to $18.99. Neurons cost extra. Details on Joi AI pricing.
It is run by Novi Limited, a Cyprus company (HE 407352) with a named data-protection officer and a US contact entity in New York. Its Trustpilot profile shows 3.9 from 264 reviews, claimed and inviting reviews. Complaint themes are on the Joi AI review.
Xotic AI publishes its rate, 250 XOT a minute, and Nectar AI lists video calls next to voice chat. Joi’s live video calls are reported at about 3,500 Neurons per 5 minutes, which is roughly $35 to $70 depending on the Neuron pack.
For predictable costs, often yes: Candy AI includes 100 tokens a month and does not charge per message on Premium, with a 24-hour refund window. It is priced in euros and is not an affiliate partner here. Full comparison: Joi AI vs Candy AI.
Joi itself: VerifyMyAge with an email check, a face estimate or ID plus selfie. Among the alternatives, OurDream uses Go.cam or AgeVerif in the UK and Australia, and Xotic AI uses Facia for UK visitors; in the US most use a click-through.
Joi’s help center says unused monthly benefits roll over, even on yearly plans. None of the alternatives publishes a similar rule: naughti.ai does not state rollover for its 100 monthly credits and does not refund credits, and OurDream, Secrets AI, Nectar AI and Xotic AI do not state rollover either.
No app imports Joi characters. Write down your character’s personality and story and rebuild it in a builder such as Secrets AI, OurDream AI, Nectar AI or Xotic AI. Check My Subscriptions in Joi settings first, so no bot subscription keeps billing after you leave.
naughti.ai and Xotic AI are Estonian companies, and GoLove AI is in Cyprus, like Joi’s operator Novi Limited, so EU data rules apply to them. Secrets AI, OurDream AI and Nectar AI are run by Delaware companies.
Not native ones. Joi itself is browser-only, as are naughti.ai, OurDream AI, Nectar AI, Xotic AI and GoLove AI; Secrets AI works as an installable web app. Store apps borrowing these names are usually unofficial.
OurDream AI offers both realistic and anime styles and has the largest community library here. Secrets AI, Nectar AI and Xotic AI focus on realistic characters on their public pages. Test any of them on a monthly plan first.
If text is all you want, Joi’s Neuron meter matters only for spicy messages. GoLove AI’s free text chat or OurDream’s unlimited messages on a paid plan are simpler; naughti.ai suits text readers who prefer hand-written stories with a beginning and an end.
Jeffrey Barrett
Editor, Joi AI Alternatives
I edit this site for the naughti.ai team and read what AI companion apps publish about themselves: terms and refund pages, help-center articles, privacy policies, age-verification pages and company records, plus named outside reviews. Joi AI prices are not public, so I say where each figure comes from and when I saw it. I never describe purchases or tests I did not make, and I point out where naughti.ai is the wrong pick.