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By Joe Tomei · Checked 11 Nov 2026 · 18+

AI Role-Playing Games: How They Work

Dice, stats, a goal and a game master that never gets tired: how to play an RPG with an AI, and where.

Apps for game-style roleplay

€14.99/mo (≈$16.74) with 100 credits a month
  • €14.99/mo (≈$16.74), 100 credits a month included; 100 extra credits for €79.99 (≈$89.31)
  • Hand-written adult scenarios with a beginning and an end, plus a new scenario every week
  • Scenario content is included in the subscription; you pay credits only to generate more
  • Pre-generated top-quality content at 15 credits each
  • Long chat memory that stays coherent after several thousand messages
  • Your own generated content: 4 credits per image, from 30 credits per video
  • NaughtiAI OÜ, Estonia (EU)
  • Watch out: credits are not refunded

NOVA image-to-video with sound
  • Design a companion or pick a premade one; images, voice and video calls
  • NOVA image-to-video clips with sound
  • Ultimate includes 1,000 XOT a month; an image costs 50 XOT
  • Xotic Tech OÜ, Estonia; Trustpilot 4.8 from 60 reviews
  • Watch out: 5 free messages in total, subscriptions non-refundable

350+ premade characters, free text chat
  • 350+ premade characters, images, AI video and a live video mode
  • Core text chat free with unlimited messages (homepage)
  • Refund within 24 hours if no more than 20 credits are used
  • 404 Intelligence LTD, Cyprus; Trustpilot 4.3 from 29 reviews
  • Watch out: Premium prices are not public, custom creator not live

Seven video models and audio calls
  • Companion chat, custom characters, adult video on 7 models, audio calls
  • Premium includes 8,000 Moments; a 5-second video costs 320 to 1,200
  • Free: 20 messages a day, no media
  • Secret Labs Inc. (Delaware); Trustpilot 4.5 from 324 reviews
  • Watch out: no refund for the current period

Custom companions and a huge library
  • Custom companions plus a huge community library, images, video, voice calls
  • Unlimited messages and 1,000 dreamcoins a month on paid plans
  • Free: 5 messages per character and 55 coins once (reported)
  • Dream Studio USA, Inc. (Delaware)
  • Watch out: calls cost 50 coins a minute, video 100 coins per 5 seconds (reported)

Companion builder with video calls
  • Companion builder, images, video, voice chat and video calls
  • Free plan: about 15 messages and 10 images a day (reported)
  • Credits pay for media on top of the plan
  • Nectar AI, LLC (Delaware) with a UK entity
  • Watch out: fees are non-refundable and official prices are not public

Live video calls and Joi Originals
  • Premade characters, builder, images, video, live video calls
  • Neurons charged per explicit message, photo or video, even on Premium
  • Age check by VerifyMyAge (email, face estimate or ID)
  • Novi Limited, Cyprus; Trustpilot 3.9 from 265 reviews
  • Watch out: pay-per-view on top of the plan

In short (as of 11 November 2026)

  • An AI RPG puts an AI in the game-master chair: it narrates, plays every other character and applies rules to your choices.
  • You can use an app with built-in group or world features, or turn any roleplay app into a game with the prompt below.
  • For game-style group play: Xotic AI Worlds or GoLove AI Scenarios. For a quest with a written ending: naughti.ai.

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 11 November 2026. Adults 18+ only. All characters are AI and fictional.

What is an AI role-playing game?

In a tabletop RPG, one person runs the world and everyone else plays a hero. An AI role-playing game hands the first job to a language model. It describes the tavern, voices the innkeeper, decides whether the lock gives way, and remembers that you insulted the guard captain three scenes ago.

What turns a roleplay into a game is stakes: a goal, rules and a real chance of failure. Without them you have a story; with them you have something you can win, lose or get wonderfully wrong.

The parts of an AI RPG

PartWhat it doesHow to set it up
Game masterNarrates, plays other characters, enforces rulesSystem prompt or the app’s narrator mode
Character sheetName, strengths, flaws, statsA short block in your first message or persona field
ChanceDecides risky actionsAsk for an open d20 roll with fixed bands
Inventory and statusKeeps resources honestA one-line status at the end of every turn
GoalGives the session direction”Find the missing envoy before the bells at midnight”
MemoryKeeps earlier events in playMemory notes, lorebook or a recap each session

In practice: the status line does more for a good game than any model upgrade, because it keeps both of you honest.

Turn any roleplay app into a game

Copy-ready game-master prompt

You are the game master of a text role-playing game for adults. Setting: [one line]. My character: [name, age 25+, one strength, one flaw]. Rules: describe the scene in under 120 words, then offer three numbered choices plus "something else". Track my HP (10), gold and inventory in a short status line at the end of each turn. When I attempt something risky, roll a d20 in the open: 1-7 fails, 8-14 partly works, 15-20 succeeds. Never act or speak for my character. Keep all characters adults.

Paste it as your first message (or into a persona or scenario field), fill in the brackets, then make your first move. The three-choice format keeps turns short; “something else” keeps you free.

Which apps suit game-style play?

None of the seven apps on this site is a dice engine, but several have features that make an AI game master easier to run.

AppFeature that helps a gameGroup playEntry price
Xotic AIWorlds: multiplayer AI stories with friendsUp to 10 characters on Elite$24.99/mo
GoLove AIScenarios you create yourselfUp to 10 characters at onceNot public; core text chat free
Secrets AILorebooks for rules, Personas for your sheet2-3 companions on Ultimate$19.99/mo
naughti.aiWritten scenarios with an endingSome scenarios€14.99/mo (≈$16.74)
OurDream AICustom Instructions, large character libraryNot stated$19.99/mo

Checked 11 November 2026 on vendor pages. 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.

How each one handles play

  • Xotic AI: Worlds are described as multiplayer AI stories with friends, at 10 XOT per turn; group chats of up to 10 characters need the Elite plan. The free tier is 5 messages in total.
  • GoLove AI: Scenarios with up to 10 characters at once, which suits party-style quests where every companion has a voice. Core text chat is free, per its homepage.
  • Secrets AI: Lorebooks hold the rules of your world, Personas hold your character sheet, and Ultimate allows group chats with 2 or 3 companions.
  • naughti.ai: not a dice game, but every scenario has a beginning and an end, which gives a similar sense of progress; some scenarios include more than one character.

Campaign ideas that suit an AI game master

  1. The midnight heist. Four rooms, one vault, a guard rotation the AI keeps secret until you scout it.
  2. Three suspects. A murder at a mountain lodge; the AI knows the culprit from turn one and must keep clues consistent.
  3. The caravan road. Seven days of travel, one event per day, supplies that run out.
  4. The rival guild. Win a contract against another adventuring party led by a sharp, charming rival.

Short campaigns with a fixed end work best. For more scene ideas, see AI roleplay scenarios; for worlds with magic systems and factions, see fantasy AI roleplay.

Common problems and quick fixes

ProblemFix
The AI lets you win everythingAsk for open rolls and real failure on 1-7
Stats change on their ownKeep the master numbers yourself; paste them each session
The AI plays your characterRepeat “never act for my character” in the persona or memory field
The plot wandersRestate the goal in brackets: “(Goal: reach the pass before dawn)“
Replies get long and slowSet a word limit for scene descriptions

New to roleplay in general? Start with what AI roleplay is, or compare game mode with plot-led play in interactive story AI.

Sources I used

I read these public pages between 9 and 11 November 2026.

  1. Xotic AI FAQ (25 Oct 2026)
  2. Xotic AI plans
  3. GoLove AI homepage
  4. Secrets AI wiki: subscription tiers and limits
  5. OurDream AI homepage and FAQ (plans)
  6. naughti.ai Terms of Service

Adults 18+ only. All characters are AI and fictional. Links to Nectar AI, Secrets AI, Joi AI, OurDream AI, Xotic AI and GoLove AI are affiliate links.

AI role-playing games: FAQ

  • What is an AI role-playing game?

    It is a game in which an AI acts as the game master: it describes the world, plays every other character, applies rules and reacts to your choices. Some apps build parts of this in, such as Xotic AI’s Worlds; in others you create it with a game-master prompt, simple stats and a goal.

  • Can an AI really run dice and stats?

    It can track them, but not perfectly. Ask it to roll in the open and print a short status line every turn, so mistakes are visible. For long campaigns, keep the authoritative numbers yourself in a note and paste them back when the AI slips.

  • Can I try an AI RPG without paying?

    A little. GoLove AI keeps core text chat free, Secrets AI gives 20 messages a day on its free tier, and Xotic AI allows 5 messages in total before a plan. That is enough to test a game-master prompt, not a campaign. naughti.ai publishes no free tier; its scenarios come with the monthly plan.

  • Which AI apps let several people play one story?

    Xotic AI describes its Worlds as multiplayer AI stories with friends, charged at 10 XOT per turn. Others focus on one player with several AI characters: GoLove AI Scenarios hold up to 10 characters, and Secrets AI allows 2 or 3 companions in a group chat on Ultimate.

  • What kinds of AI RPG campaigns work best?

    Short, goal-driven ones: a heist, an escape, a mystery with three suspects, a journey with a clear destination. Open sandboxes drift because the AI has nothing to aim for. Give each session a goal and a stopping point, and summarise the result before the next one.

  • How is an AI RPG different from an interactive story?

    A role-playing game has rules: stats, chance and failure that changes the outcome. An interactive story cares more about plot and characters, and your choices shape the narrative rather than a number. Many players mix the two, adding a dice roll only at turning points.

  • Do I need special software for an AI RPG?

    No. A game-master prompt works in any roleplay app that keeps the character in role and remembers the last few turns. Built-in features such as lorebooks, personas, group chats and shared worlds make long campaigns easier, but a clear prompt and your own notes cover the basics.

Keep reading

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Interactive story AI

Text adventures, choose-your-own-adventure and written stories compared.

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Fantasy AI roleplay

Build a world the AI can keep straight: lore, magic rules, factions.

Ask AI about this page

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Joe Tomei

Editor, AI Roleplays

I edit AI Roleplays. I explain how AI roleplay works for adults: scenarios, interactive stories, role-playing games and fantasy worlds. Everything here comes from public pages: plan pages, help centres, terms and app-store listings. I date each figure, mark third-party numbers as reported, and the example scenarios on this site are my own outlines, not transcripts.

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Try the Best AI Roleplay Stories

Open a story that is already written. naughti.ai gives you hand-written adult scenarios with a real beginning and a real ending, adds a new one every week and keeps the chat memory going for thousands of messages.

Adults 18+ only; all characters are AI and fictional.