2026.09 · Moderate = daily chat, ~80 images/mo, some voice
True cost
Annual banners are a costume. We modelled a moderate user and a heavy one on every plan we actually paid for. Numbers are USD, indicative, and will move — the shape of the trap will not.
| App | Sticker (annual) | Included media | Moderate /mo | Heavy /mo | The trap |
|---|---|---|---|---|---|
| Candy AI | $3.99/mo ($47.88/yr) | 100 tokens/mo (Premium); 330 on Premium Plus | $28 | $55 | Images ~4 tokens, voice calls ~3/min, video ~12+. Chat is unlimited; media is not. |
| Ourdream AI | $9.99/mo ($119.88/yr) | 1,000 DreamCoins/mo + 1,000 year-one bonus | $10 | $32 | Sticker looks expensive vs Candy. For image-heavy use it is often cheaper. |
| JOI AI | $4/mo ($47.99/yr) | ~50 images + 5 Dream Clips/mo | $18 | $70 | Neurons explode on extra video and live calls. Stay inside the included clips or budget seriously. |
| Kupid AI | ~$7/mo annual | ~200 coins on Premium; in-chat photos often free | $14 | $49 | Ultimate at $49/mo is a different product. Refunds are strict. |
| GirlfriendGPT | $12/mo annual | No token meter — messages bundled | $12 | $33 | Pay for message volume, not pictures. Elite is only worth it if you actually chat that much. |
| Lovescape | $5.99/mo ($71.88/yr) | 600 Chips/mo | $16 | $45 | 600 chips vanish if you generate video. The 70% annual cut is the real offer. |
| Dream GF | $5.99/mo year one | 150 tokens/mo | $18 | $40 | Renews near $311.88/yr. Set a calendar reminder or you will overpay for a mid chat engine. |
| Swipey AI | per-day display, annual is the only sane tier | Hearts for advanced media | $15 | $40 | Per-day pricing is a display trick. Middle tiers are dead zones. |
How to read this
Candy wins the screenshot war and loses the moderate-media war unless you stay in text. Ourdream looks pricey until you notice 1,000 coins. JOI is a $4 miracle until Dream Clips leave the included five. DreamGF’s $5.99 is year one; year two is the DreamAI family renewal.
GirlfriendGPT is the control group: no second currency. You will overpay for images and underpay for roleplay. That is a feature.
Full rankings: best value list · overall Top 10. Field notes live on each top-ten review.