IVF Cost Calculator
Estimate your total IVF costs — medications, add-ons, insurance, and multi-cycle planning.
Reviewed by Conner, Co-Founder & Research Lead
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Your estimate updates as you go. No account needed.
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Age affects medication protocol and number of cycles typically needed
Average cycles needed by age (SART data)
| Age | Avg cycles to success | Notes |
|---|---|---|
| Under 35 | ~1.2 cycles | Most succeed within 1–2 cycles |
| 35–39 | ~1.8 cycles | Often need 1–3 cycles |
| 40–43 | ~2.5 cycles | Lower per-cycle success rates |
| 44+ | ~3.0 cycles | Many explore donor eggs |
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This affects your out-of-pocket estimate.
🏛 Your state may mandate coverage
Check with your insurer for your specific benefits.
→ Learn more about insurance coverage (RESOLVE.org)
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IVF and fertility medications are FSA/HSA eligible
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Most patients cover IVF costs through medical financing — compare lenders and see monthly payment options.
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See IVF cost in your state: California, Texas, New York, Florida, Illinois, Pennsylvania, Ohio, Georgia, North Carolina, Michigan, New Jersey, Massachusetts, Arizona, Colorado, Washington, or all 50 states.
Estimates based on CDC ART data and SART-reported clinic outcomes. Methodology →
Frequently asked questions
IVF costs range from $10,000 to $30,000 per cycle depending on your location. A typical cycle totals $13,000–$24,000 once standard medications are included.
Coverage varies widely, and state laws differ in kind: some require qualifying plans to cover IVF, some only require insurers to offer it as a rider an employer need not buy, and several infertility laws exclude IVF outright. Always check with your insurer for your specific benefits.
The average number of cycles depends on age: under 35 averages 1.2 cycles, 35-39 averages 1.8, 40-43 averages 2.5, and over 44 may require 3 or more cycles.
A typical IVF cycle costs $13,000–$24,000 including standard medications. Clinic base fees make up most of that, with medications billed separately at $3,000–$6,000. High-cost states run higher; use the calculator above for your state.