Free & Unbiased
Free, unbiased calculators for IVF, egg freezing, surrogacy, IUI, and egg donation. No clinic affiliation. No sales pitch. Just honest numbers.
Estimate your IVF costs including medications, add-ons, insurance coverage, and multi-cycle planning.
Calculate IVF Cost→See total egg freezing costs including retrieval, medications, and long-term storage.
Calculate Egg Freezing→Understand the full cost of surrogacy including agency fees, compensation, legal, and medical.
Estimate Surrogacy Cost→More calculators
Often the first step before IVF. Estimate cost per cycle including medications and monitoring.
Calculate IUI Cost→Estimate total recipient costs including donor compensation, agency fees, and the IVF cycle.
Calculate Egg Donation Cost→Simple process
Tell us your state, insurance coverage, and procedure details. No account needed — your data stays in your browser.
See a low, mid, and high cost range with full breakdown. Every line item explained in plain English.
Model monthly payments, see the impact of insurance, and email yourself a copy to refer back to.
What does fertility treatment cost?
Typical ranges across all treatments, based on SART, ASRM, and CDC data.
IVF (per cycle)
$10,000–$30,000
National range · medications typically $3,000–$6,000 extra
Get my estimate →Egg Donation (recipient, total)
$35,000–$65,000
Fresh donor cycle, agency, and IVF included
Get my estimate →By state
Insurance mandates can dramatically reduce your out-of-pocket costs. See what’s available in your state.
Why FertilityCostGuide
We built the tool we wished existed when we needed it.
No clinic or agency affiliation. We don’t make money when you book a treatment.
Low, mid, and high estimates — never a single number that creates false confidence.
See exactly how coverage changes your out-of-pocket number, with state mandate info.
Model 1, 2, or 3 cycles at once to understand the realistic total investment.
Monthly payment estimates at 24, 36, 60, and 84 month terms with realistic APR ranges.
No account, no paywall, no upsell. Your estimate is yours immediately.
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