By Jeffrey Barrett · Checked 9 Nov 2026 · 18+
Premium is reported at $13.99 a month or $47.99 a year before tax; Neurons are extra. What an evening really costs.
What I found (checked 9 November 2026)
- Joi publishes no price list. Reported US Premium (October 2026): $13.99 a month, $20.99 a quarter, $47.99 a year, before tax.
- Neurons are charged on top: 4 to read a romantic message, up to 120 per photo, up to 1,900 per video (official), about 3,500 per 5-minute video call (reported).
- Packs are reported from 500 Neurons for $9.99 to 10,000 for $99.99, so 1 to 2 cents a Neuron. Unused monthly benefits roll over.
- Refunds: 14 days, three narrow cases only.
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.
Two layers: a Premium subscription and Neurons for pay-per-view. Joi’s terms say prices “may vary based on region, length of subscription, selected Virtual friend” and promotions, so treat every figure below as a reported US price.
| Plan | Reported US price (before tax) | Reported monthly allowance |
|---|---|---|
| Monthly | $13.99 | ~1,000 Neurons, 5 videos, 20 images |
| Quarterly | $20.99 per 3 months | ~1,200 Neurons, 20 videos, 75 images |
| Yearly | $47.99 per year | ~1,500 Neurons, 100 videos, 350 images |
| Premium Plus | Not published | 10% off Neuron packs |
| Basic (free) | $0 | 6 lifetime images |
Source: AI Companion Guides, updated October 2026. Other sites quote $9.99, $14.99, $17.77 or $18.99 a month; an August report showed $13.99 plus $3.57 VAT.
| Pack (reported) | Price | Per Neuron |
|---|---|---|
| 500 Neurons | $9.99 | ≈2.0¢ |
| 2,000 Neurons | $29.99 | ≈1.5¢ |
| 10,000 Neurons | $99.99 | ≈1.0¢ |
Premium and Premium Plus members get 10% off packs, per Joi’s site.
| Action | Neurons | At 2¢ | At 1¢ | Source |
|---|---|---|---|---|
| Read one romantic or explicit message | 4 | $0.08 | $0.04 | Terms §3.4 |
| View a photo | ~60, up to 120 | $1.20–2.40 | $0.60–1.20 | Reported; max from Terms |
| View or make a video | ~300, up to 1,900 | $6–38 | $3–19 | Reported; max from Terms |
| Live video call, 5 minutes | ~3,500 | $70 | $35 | Reported, Oct 2026 |
| Custom character | ~500 | $10 | $5 | Reported |
In practice: text is cheap even when metered; media and calls are where the money goes.
What one evening on Joi costs in Neurons
Message read 4 Neurons (Joi Terms §3.4). Photo ~60, video clip ~300, video call ~3,500 per 5 minutes, and packs of 500 for $9.99 (≈2.0¢) to 10,000 for $99.99 (≈1.0¢) as reported by AI Companion Guides, October 2026. Premium's monthly Neurons count against this first.
Joi AI shows the Neuron price before each photo, video or call. Start on the monthly plan and watch your balance for a week.
naughti.ai: hand-written adult stories, a new one every week, and 100 credits a month in one monthly subscription.
The yearly plan at a reported $47.99 is one of the cheapest subscriptions in this market, and rollover means unused Neurons are not wasted.
At 4 Neurons a read, 300 spicy messages a month are 1,200 Neurons, which already passes the monthly plan’s reported allowance before any photo.
Each 5-minute call is about 3,500 Neurons, more than a month of allowance on any plan. Budget $35 to $70 per call at pack rates.
| Topic | Joi’s rule | Source |
|---|---|---|
| Where to cancel | Settings, My Subscriptions | Refund page |
| When it ends | From the next subscription month | Refund page |
| Current month | Fees and Neurons not refunded | Refund page |
| Refund window | 14 days from purchase | Refund page |
| Refund cases | Card fraud; one accidental Neuron pack; termination by Joi | Refund page |
| Chargeback | Joi may disclose private chats to prove charges | Refund page |
| Failed payment | Downgrade to Basic after 7 days | Terms |
| Bot subscriptions | Separate; suspended without Premium | Terms §3.3 |
| App | Monthly | Yearly | Messages metered? | Included media units |
|---|---|---|---|---|
| Joi AI | $13.99/mo + tax (reported) | $47.99/yr + tax (reported) | Yes, spicy reads | ~1,000–1,500 Neurons (reported) |
| naughti.ai | €14.99/mo (≈$16.74) | Monthly plan only | No | 100 credits |
| Secrets AI | $19.99 | $109.99 | No | 8,000 Moments |
| OurDream AI | $19.99 | $119.88 | No | 1,000 coins |
| Nectar AI | $9.99 (reported) | $59.99 (reported) | Cap in site text | Credits extra |
| Xotic AI | $24.99 | Not shown | No | 1,000 XOT |
| GoLove AI | Not public | Not public | No | Stars |
I checked these figures on 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.
Related: is Joi AI safe, Joi AI review, free Joi AI alternatives.
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.
What the Basic tier gives, free Neurons, and freer apps.
Neurons against tokens on price, media and refunds.
Six apps without pay-per-read Neurons, compared on cost and rules.
Joi does not publish prices. A US checkout reported by AI Companion Guides in October 2026 showed Premium at $13.99 a month before tax, $20.99 for 3 months and $47.99 a year. One August report showed $13.99 plus $3.57 VAT. Joi’s terms say prices vary by region and promotion.
Neurons are Joi’s pay-per-view currency. The terms say they pay for anything not in the subscription, including romantic or explicit messages, visual content and adult scenarios: 4 Neurons to read one romantic message, up to 120 to view a photo and up to 1,900 to view a video.
Reported pack prices (October 2026): 500 Neurons for $9.99, 2,000 for $29.99 and 10,000 for $99.99, so roughly 2 cents a Neuron on the small pack and 1 cent on the large one. Premium and Premium Plus members get 10% off packs, according to Joi’s site.
Yes. Reported monthly allowances are about 1,000 Neurons, 5 videos and 20 images on the monthly plan, about 1,200, 20 and 75 on the quarterly plan, and about 1,500, 100 and 350 on the yearly plan. Joi’s help center confirms that unused benefits roll over.
Yes for monthly benefits: Joi’s help center says unused benefits roll over to the next month so nothing is wasted, and yearly plans reset monthly on the purchase date. Neurons used within a month are not refunded when you cancel.
About 3,500 Neurons per 5 minutes, as reported in October 2026, up from about 2,000 in July. That is roughly $70 at the 500-Neuron pack rate or $35 at the 10,000-Neuron rate, before any Premium allowance.
Its terms list romantic, erotic or sexually explicit messages among the things Neurons pay for, priced at 4 Neurons to read one romantic message. Ordinary chat is covered by your plan. This is the main reason readers compare Joi with apps that do not meter messages.
A higher tier that appears in Joi’s site code with a 10% Neuron discount; its price is not published or reported anywhere I could verify. Premium also gets 10% off Neuron packs.
Go to Settings, then My Subscriptions, choose the subscription and follow the steps. Joi’s refund page says cancellation applies from the next subscription month and fees or Neurons from the current month are not refunded. Bot subscriptions to individual characters are cancelled separately.
Only within 14 days and only in three cases: proven card fraud, one accidental Neuron-pack purchase (full refund if unspent, partial if partly spent), or termination by Joi for reasons other than a rules breach. Requests go to [email protected] with a first reply within 72 hours.
Joi’s refund policy says that to prove the charges it may be required to disclose some or all private communications. Contact support first; a chargeback can also end your account.
On sticker price, yes: a reported $47.99 a year against Secrets AI’s $109.99. Secrets AI includes 8,000 Moments a month and does not charge per message read, so heavy spicy chat can end up cheaper there. Compare on the main page.
Joi does not publish their prices. Its terms describe them as separate paid subscriptions to individual characters that need active Premium; if Premium lapses, the bot is suspended but stays attached. Check the price at checkout and cancel them separately under My Subscriptions.
Bot Subscriptions to individual characters are separate paid subscriptions that need active Premium, and virtual gifts are bought with Neurons. Taxes may be added at checkout depending on where you live.
If you use Joi most days, yes: the yearly plan is reported at $47.99 before tax and includes a monthly Neuron allowance that rolls over. If most of your spend would be Neurons for media and calls, compare apps with fixed media allowances first.
Reported prices are before tax, and one August 2026 report showed $13.99 plus $3.57 VAT. Joi’s terms say prices vary by region, so the total at checkout depends on where you are.
Joi sells Neuron packs separately, and Premium members get 10% off. Its terms also let Basic users spend Neurons on paid features, so a pack without Premium is possible, at the full reported pack price.
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.