Fertility Treatment Cost Calculator

Estimate fertility treatment costs across IVF, IUI, egg freezing, and surrogacy. Plan your family-building journey with comprehensive cost breakdowns.

Treatment Cost Estimator

Select a treatment type and clinic tier for a cost estimate.

Financing Calculator

Calculate monthly payments for fertility treatment financing.

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Egg Freezing Long-Term Cost

Calculate egg freezing costs including storage over multiple years.

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How We Calculate Fertility Costs

IVF Total = (Procedure + Meds + Add-Ons) × Cycles
Financing Payment = Principal × (Rate / (1 - (1+Rate)^-Term))
Egg Freezing = (Retrieval + Meds) × Cycles + (Storage × Years)

Frequently Asked Questions

How much does IVF cost?
A single IVF cycle costs $12,000-$20,000 plus $3,000-$6,000 for medications. Premium clinics charge $20,000-$35,000. Most patients need 2-3 cycles.
How much does egg freezing cost?
$6,000-$15,000 per retrieval cycle plus $3,000-$5,000 for medications. Storage runs $500-$1,000/year. Most women do 2-3 cycles.
Does insurance cover fertility treatments?
20 US states have fertility insurance mandates. Many employers offer benefits through Progyny, Maven, or Kindbody. Coverage varies widely by plan.
How much does surrogacy cost?
Gestational surrogacy costs $100,000-$200,000+ in the US including surrogate compensation, agency fees, legal fees, IVF, and medical expenses.

Understanding Fertility Treatment Investments

Fertility treatments represent both an emotional and financial journey. Understanding the full cost landscape helps families plan effectively and reduce financial stress during an already challenging process. Modern reproductive medicine offers remarkable options, from basic IUI to advanced genetic testing and surrogacy, each with distinct cost profiles.

When selecting a fertility clinic, consider success rates for your age group, the clinic's approach to treatment protocols, included services vs. a la carte pricing, and the availability of financing options. Many clinics offer multi-cycle packages and shared-risk programs that can significantly reduce per-attempt costs while providing financial protection if treatment is unsuccessful.

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