Secrecy is a common and consequential human experience, and yet the literature lacks an integrative theoretical model that captures this broad experience. Whereas initial research focused on concealment (an action a person may take to keep a secret), recent literature documents the broader experience of having a secret. For instance, even if a secret is not being concealed in the moment, one's mind can still wander to thoughts of the secret with consequences for well-being. Integrating several disparate literatures, the present work introduces a new model of secrecy. Rather than define secrecy as an action (active concealment), the model defines secrecy as an intention to keep information unknown by one or more others. Like any other intention, secrecy increases sensitivity to internal or external cues related to the intention. Critically, secret-relevant thoughts are cued in one of two broad contexts: (a) during a social interaction that calls for concealment, and (b) the situations outside of those social interactions, where concealment is not required. Having a secret come to mind in these two very different situations evokes a set of distinct processes and outcomes. Concealment (enacting one's secrecy intention) predicts monitoring, expressive inhibition, and alteration, which consumes regulatory resources and may result in lower interaction quality. Mind-wandering to the secret (when concealment is not required) involves passively thinking about the content of the secret. Engagement with these thoughts may lead to repetitive thinking and rumination, reflection on how one feels about the secret, efforts to cope, or specific plans for how to handle the secret. The model brings together a number of literatures with implications for secrecy, identity concealment, relationships, mind-wandering, coping, health and well-being.