Joi AI Review (2026): Prices, Neurons and Privacy

Joi AI is an adult AI companion app where you chat with ready-made or custom characters and unlock their photos, videos and video calls. We make Lovi Dream, a competing app, and we didn't buy a Joi plan for this Joi AI review. Premium costs $13.99 a month before tax on the monthly plan and less a month on the 3 and 12 month plans. Almost everything visual is paid for in Neurons, Joi's in-app currency, and Joi's own terms say a photo costs up to 120 Neurons and a video up to 1,900. The weak spots, according to reviewers on Trustpilot, are Neurons that run out fast, images with bad anatomy and characters that forget details. The facts below come from Joi's own site and terms and from independent reviews, linked where we use them.

Updated November 8, 2026.

What Joi AI is

Joi (joi.com, and joi.ai shows the same site) is run by Novi Limited, a company registered in Cyprus. You use it in the browser on desktop or phone. A hands-on review on AI Companion Guides found no App Store or Play Store app.

Joi's terms say the service is "strictly for adults 18+" and that you talk to characters "via text, voice, and (where available) the Video Call Feature". You can pick a ready-made character or build your own, and the home page says you choose her looks, personality, behavior and kinks.

Joi AI pricing

Joi has no public pricing page, so the prices below come from the US checkout as AI Companion Guides recorded it in October 2026. They're before tax.

• Monthly Premium costs $13.99 a month and includes about 1,000 Neurons, 20 images and 5 videos a month.

• Quarterly Premium costs $20.99 for 3 months and includes about 1,200 Neurons, 75 images and 20 videos a month.

• Annual Premium costs $47.99 for 12 months and includes about 1,500 Neurons, 350 images and 100 videos a month.

• Extra Neurons cost $9.99 for 500, $29.99 for 2,000 and $99.99 for 10,000, with 10% off on Premium.

There's also a Premium Plus tier with no published price. Prices change with your country and with tax. AIfreands showed $17.56 for a month in August 2026, which was $13.99 plus $3.57 in VAT, and AI Girlfriend Base listed $17.77 a month and $60.95 a year in June 2026.

What Neurons cost

Section 3.4 of Joi's terms, last updated June 4, 2026, sets the top prices: "One romantic message costs 4 neurons to be read. One photo view costs up to 120 neurons depending on the theme. One video view costs up to 1900 neurons depending on the theme."

AI Companion Guides recorded what it actually paid:

• A photo unlock cost about 60 Neurons.

• A video clip cost about 300 Neurons, plus 250 to make it longer.

• A live video call cost about 3,500 Neurons for 5 minutes.

• Turning on a character you built cost about 500 Neurons.

At those rates, the monthly plan's 1,000 Neurons cover about 16 photo unlocks or three video clips. One 5-minute video call uses more than three months of the monthly plan's Neurons. On Trustpilot, one reviewer said explicit images cost 300 Neurons and explicit videos 1,500. That image price is higher than the 120 the terms list as the most a photo costs.

Is Joi AI free?

According to AI Companion Guides, Joi's free tier gives you a few Neurons, plus 100 more for linking your Discord account, and the reviewer calls it "a demo, not a trial". In August 2026 AIfreands saw a 7-day trial for $0 that renews at $13.99 plus VAT. If you take a trial like that, cancel before day 7 unless you want to keep paying.

Chat and memory

Joi's home page says its characters learn your likes, including "kinks, fetish and fantasy", and bring them into later chats. The terms say the chatbot is "continuously learning from user interactions".

Reviewers on Trustpilot in September and October 2026 said otherwise. Some wrote that characters forgot basic facts about themselves, such as their gender, age and backstory.

Images and video

Every Premium plan includes a set number of images and videos each month, listed in the pricing section above. After that, each one costs Neurons. Video calls exist where Joi has turned them on, and they cost the most.

Trustpilot reviewers complained about bad anatomy in images. They also said Joi doesn't give Neurons back when an image or video comes out wrong, so a bad result costs the same as a good one.

Is Joi AI safe?

Joi is a real business with real terms, but read three things before you pay.

First, more than one company is involved. The terms say Novi Limited provides the service, and the privacy policy, last updated October 30, 2026, names Novi Limited in Nicosia, Cyprus, as the company that controls your data. The contact section of the terms lists Lanoto Solutions Inc. in New Rochelle, New York. The terms are governed by the laws of Cyprus.

Second, here is what the privacy policy says about your data:

• Joi says it will "never sell your personal data to a third party".

• It keeps your text and voice messages to improve its characters and develop its AI.

• It shares data with Google Analytics, Google DoubleClick, Facebook Pixel, Yahoo and Microsoft Bing Ads.

• If you agree when you sign up, it records your sessions, such as your clicks, and sends them to Microsoft.

• At sign-up it collects your first name, email, age and gender, and it checks your age through outside companies.

• It keeps your personal data "for the time necessary to provide the services to you", with no fixed deletion date.

The home page says you can enjoy NSFW chats "anonymously". Joi itself still has your name, email, age and every message you send.

Third, the terms say that if you dispute a charge with your bank, Joi "may be required to disclose any and/or all private communications sent/received by You through our Service in order to prove the validity of the charges". In other words, your chats could be shown to your bank.

On Trustpilot, Joi had a 3.9 score from 264 reviews on November 8, 2026. Negative reviews mention slow support, and one reviewer reported five charge attempts from a single purchase. Joi replies to most negative reviews.

How to cancel Joi AI and get a refund

To cancel, go to Settings, then My Subscriptions. The terms say you can only cancel on the website where you bought the plan.

Refunds are narrow. Joi's refund page says:

• You won't get money back for the rest of a month or plan you've already paid for, or for Neurons from that month.

• You can ask for a refund within 14 days of a purchase.

• If you bought something by mistake, Joi refunds it one time only. You get everything back if you haven't spent the Neurons, and part of it if you've spent some.

• Joi sends a first reply within 72 hours.

You can reach Joi through its support page.

Is Joi AI worth it?

It depends on what you want to do with it.

• Joi fits you if you mostly want flirty chat with one character plus a few photos a month. The annual plan costs the least per month.

• Joi is a poor fit if you want lots of video or video calls, because Neurons go fast and one call costs thousands of Neurons.

• Joi is a poor fit if a bad image or a forgetful character would bother you, since bad results aren't refunded.

Joi AI alternatives

These two apps suit people who'd rather watch than generate. We make Lovi Dream, so weigh our take on it with that in mind.

Candy AI has hundreds of ready-made characters, and when we paid for it in October 2026 it had 31 video story series and 30 private video packs. It can also turn any image into a 5 to 15 second clip. Video costs tokens every time. Our Candy AI review has every price we paid.

Lovi Dream, our app, has 28 ready-made girls with their own stories and an AI girlfriend generator for building your own. It has one-minute point-of-view video stories called Shorts, whose first episodes play free without an account, plus Live Action video and private packs that cost 20 to 60 tokens. It can't generate video from your own images, and characters keep the last 80 messages of a chat in view.

For more options, see our list of the best AI companion apps or the best AI girlfriend apps.

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