Surrogacy Cost Estimator
Total cost breakdown including agency fees, surrogate compensation, legal, medical, and insurance.
Reviewed by Conner, Co-Founder & Research Lead
Tell us about your surrogacy plan
We'll estimate your total cost range and financing options instantly.
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This affects your out-of-pocket estimate.
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Some surrogacy medical costs may be FSA/HSA eligible
Next steps
Most intended parents don't pay surrogacy costs all at once. Costs are typically disbursed in stages — agency retainer, embryo creation, matching, and escrow — giving you time to plan financing around each phase.
Also explore
If IVF is part of your surrogacy plan, compare IVF costs by state or review IVF cost in California, IVF cost in Texas, and IVF cost in New York.
Estimates based on CDC ART data and SART-reported clinic outcomes. Methodology →
Frequently asked questions
Total surrogacy costs typically range from $101,000 to $195,000, including agency fees ($20,000–$35,000), surrogate compensation ($40,000–$80,000), medical costs ($15,000–$30,000), legal fees ($8,000–$15,000), and insurance ($8,000–$20,000).
Surrogacy costs include: agency fees for matching and case management, surrogate compensation, medical costs for IVF and prenatal care, legal fees for surrogacy agreements, surrogate health insurance, and miscellaneous expenses.
Surrogacy can be financed through personal savings, specialty fertility loans (up to $100,000, 7–15% APR), home equity loans, employer fertility benefits, or 401k loans.