AI Girlfriend App Comparison (2026): Prices, Privacy, Matchups

By Tom | Published: April 9, 2026 · Updated October 2026

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Xeve.ai is made by the team behind this site. Affiliate disclosure.

What this page is based on: the apps' own home, plan, refund and help pages, checked in October 2026 (Nomi.ai, OurDream.ai, Sweetdream.ai, GoLove.ai, Kupid.ai, JOI.com, Replika, and Xeve.ai, which is made by our team); the US App Store listings of Nomi.ai and Replika for their prices (October 2026); our verified price and policy notes from July and September 2026 (Candy.ai, SecretDesires, JOI.com, Replika); SecretDesires' subscription page (October 2026) and its plan screenshot below (July 2026); our privacy scorecard (policies graded September 19, 2026); and the ratings from our individual reviews. The matchup picks are our judgment from those facts, not side-by-side sessions in the apps. Prices change and differ by region, so check the app's checkout before you pay.

At a glance: ratings, prices and privacy

Sorted by our rating. The privacy grade is from our scorecard (A best, F worst, out of 16 points) and links to the notes on that app's policy. Xeve.ai is made by our team, so we list its facts but do not rate it.

Prices in US dollars unless marked; GoLove.ai, Sweetdream.ai and Kupid.ai showed euro prices when we checked. Our homepage ranking also lists Camsoda AI (4.5/5), which is not part of this comparison. Plan-by-plan details: AI girlfriend pricing guide.

Cancellation and refund rules

Most of these apps refund little or nothing, so how you cancel matters more than the headline price.

• Candy.ai: cancel under Settings, then Unsubscribe. Its terms (revised September 22, 2026) allow a refund only within 24 hours, for card payments, and only if you used 20 tokens or fewer. EU and UK users have a 14-day withdrawal right on a first purchase, pro-rated. Unused tokens expire when the subscription ends.
• Nomi.ai: its refund policy says "All payments are nonrefundable", with refunds only at Nomi's discretion (checked October 2026). Cancel where you subscribed; on the web that is Profile, Subscription, Manage, Cancel. After a downgrade, one-on-one chats stay, while group chats, video and voice calls become read-only.
• JOI.com: cancel under Settings, My Subscriptions; the current month is not refunded. Its refund page allows refunds within 14 days only for fraudulent charges, a mistaken purchase, or a subscription JOI ends for a reason other than a rules violation, and warns that a chargeback may lead to your private chats being disclosed (checked October 2026).
• Replika: cancel through the App Store, Google Play or the web settings, depending on where you paid. Its terms (March 30, 2026) say all sales are final.
• SecretDesires: the plan screen shown here says "No commitment, cancel anytime." Its terms (March 26, 2026) make all sales final, except a 14-day withdrawal right for EU residents. Unlimited messaging starts at Pro; Ultra adds voice cloning and Max adds the experimental chat engines.
• Kupid.ai: its terms say all sales are final. Its pricing page says nothing renews, while the terms tell you to email hello@kupid.ai to stop rebilling, so check your receipt (checked October 2026).
• Sweetdream.ai: its plan page shows both "Cancel anytime" and "One time payment - no subscription" (checked October 2026), so check at checkout whether your plan renews.

Head-to-head: our pick for common matchups

One verdict per pairing, using our ratings and the dated facts above. Where a row says "Depends", the two apps win on different things and the reason column says which. Each row links to our reviews.

We don't pick winners in matchups with Xeve.ai, because it is made by our team; its facts are in the first table and in the Xeve.ai review. ThotChat.ai shut down permanently on December 31, 2025, so matchups with it no longer apply.

Other apps people compare

We have no full review of these apps, but our privacy scorecard graded their policies:

• Character.AI (not rated): C (9/16). Built around user-created characters, and the only app in the scorecard whose policy describes an opt-out from AI training. Minimum age 13 (16 in the EEA and UK).
• Kindroid (rated 4.1 in our app directory; no full review): B (11/16), the third-best grade. Its policy says chats are encrypted at rest and in transit, a claim we did not verify.
• Janitor AI (not rated): C (8/16). Its policy does not address sensitive data such as health or sex life.
• CrushOn.AI (not rated): D (7/16). Its policy says chats with characters may be used to train AI models.

Coming from Replika? See our Replika alternatives.

Before you pay: five checks

• Billing period: weekly (Sweetdream.ai, Kupid.ai), monthly, quarterly or yearly. The low per-month figures usually mean paying a year upfront.
• What is metered: tokens (Candy.ai, Sweetdream.ai), Hearts (SecretDesires), Neurons (JOI.com), DreamCoins (OurDream.ai) or credits (Xeve.ai, which is made by our team). Plans include an allowance; more images or video cost extra.
• Refund window: often none (Nomi.ai, Replika and Kupid.ai treat sales as final); 24 hours with 20 tokens or fewer used at Candy.ai (14 days for EU/UK first purchases); 14 days at JOI.com, but only for fraud, mistaken purchases or a subscription JOI ends.
• Where you pay: a subscription bought through the App Store or Google Play is managed and cancelled there.
• AI training: 14 of the 15 privacy policies we graded either allow chats to be used for AI training with no specific opt-out or don't say. Leave out names, addresses and anything you would not want stored.

Our take

For one app to keep long term, start with Nomi.ai's free tier. If images or calls matter more, compare Sweetdream.ai and Candy.ai, and weigh Sweetdream's D privacy grade against its features. On a tight budget, SecretDesires Pro or an annual plan gives the most for the money, but commit to a year only after the free tier has convinced you, since most of these apps refund little or nothing.