Start with the monthly price and the length of the plan
Two numbers decide most of the budget question: what a month costs, and what a year costs per month. Across the apps tracked on this site, monthly fees run €0.91 to €39.46, so the spread between the cheapest and the dearest is wide enough that the brand name on its own tells you very little.
CrushOn.AI charges $3.90 to $14.90 a month. Dippy AI charges $4.99 to $12.99 a month, and $2.50 to $10 a month on a yearly plan. Treat a yearly figure as a monthly rate rather than a total, because the checkout still bills the whole period in one go. A longer plan lowers the monthly rate but locks the money in earlier, which is the trade-off to weigh if you are unsure how often you will chat.
Work out the yearly cost before you sign up: multiply the monthly figure by the months in the plan, then compare that with the yearly rate. If the two are close, the longer plan buys little beyond convenience.
Find out what the free tier actually allows
The free allowance is the fastest test of fit. CrushOn.AI offers Free tier, ~100 messages per day. Dippy AI offers Unlimited free messages; ad-supported free tier. Insieme.AI offers 1 companion, 20 AI requests/day, no card needed.
Free rarely means the same thing on every app. Dippy AI's free tier is ad-supported, so the message count is not the limit, the interruptions are. Insieme.AI caps the day with a fixed number of AI requests and a single companion. CrushOn.AI caps the day by message count and holds its premium features behind paid tiers, so the free version is a sample rather than the full product.
Try a free tier for a few sessions before paying. It shows you the tone of the replies, the range of characters and how the app handles memory, which is cheaper to learn on the free allowance than on a paid plan.
Work out how credits are charged
Message credits decide how quickly a bill grows once the free allowance runs out. CrushOn.AI uses Coins 1:1 to bonus messages; buy message packs. Dippy AI uses Coins sold in packs (100 coins $3.49). Insieme.AI uses 2 daily AI counters (cost+calls), reset midnight.
Two details decide whether a credit system suits you. The first is the price of a pack and how many messages it covers, which tells you the effective cost of a long conversation. The second is what happens mid-sentence when the balance empties, since a credit model that stalls a reply is more frustrating than one that simply switches to a lower option.
Heavy roleplay users should watch the credit balance rather than the subscription tier. Light users who exchange a few lines a day are unlikely to notice the difference between these systems at all.
Read the privacy terms before you share anything personal
Privacy is where these apps diverge most, and where the wording matters most. CrushOn.AI states Chats used to train models; deletion on request. Dippy AI says chats are de-identified and used to train models, and are retained while you keep using the app.
The company behind the app is worth knowing too, because that is who holds the data. CrushOn.AI is operated by TECHIEPIE LTD and registered in CY. Dippy AI is run by Impel Intelligence, Inc. and registered in US.
If you would rather not have conversations used for training, ask before you upload anything sensitive, and use the deletion route each app offers. The CrushOn.AI review and the Dippy AI review set out what each policy means in practice.
Check the age rules and the adult content boundaries
These apps are for adults, and each one handles the age check in a different way, which changes how much friction there is before the chat starts.
CrushOn.AI applies Unfiltered adult chat; 18+; minors barred and asks for 18+ self-declared at signup, no ID check. Dippy AI carries 18+; mature themes limited by in-app controls alongside App Store 18+ rating with Age Assurance controls. Insieme.AI requires Explicit age confirmation at Roleplan activation and sets 18+ Roleplay mode, explicit opt-in, separate history.
A self-declared age at signup is the thinnest check of the three. A store age rating paired with in-app controls asks more of the reader, and a mode kept behind an explicit opt-in with its own history keeps the rest of the app separate. Readers who want the most controlled setup will find that structure in the Insieme.AI review.
Look at memory, voice and personas next
Long-term memory is what people notice after a few sessions. CrushOn.AI offers Tier-based; 100+ message recall on higher tiers. Dippy AI offers AI friends learn about you, long-term memory. Insieme.AI keeps its roleplay mode in a separate history from the rest of the app.
Voice and roleplay appear across all three, and Dippy AI also includes image generation. Character choice is similar at CrushOn.AI and Dippy AI, which both offer female, male and anime personas.
Device support is a bigger divider than features. CrushOn.AI runs on web, iOS app and Android app, so a phone and a browser both work. Dippy AI is iOS only (ios). Insieme.AI lists voice, telegram and roleplay, which adds a Telegram channel. If you use an Android phone, that alone narrows the field.
Narrow it down and then read the reviews
A workable order is: device first, then budget, then free allowance, then privacy terms, then features. Device support rules out apps outright, the monthly and yearly figures set the ceiling, the free tier shows whether the tone suits you, and the privacy terms decide whether you are comfortable chatting at length.
Support reachability is the last small check. CrushOn.AI offers email, help centre and community. Dippy AI offers email.
Read the full pages before you subscribe: CrushOn.AI, Dippy AI and Insieme.AI. The AI boyfriend apps ranking places them against a wider field that also includes GirlfriendGPT, FantasyGF and YumeAI, so you can see whether the price you are quoted is normal for the category.