How much does surrogacy cost?

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).

What is included in surrogacy costs?

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.

How do people pay for surrogacy?

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.

Surrogacy Cost Calculator 2026 | FertilityCostGuide

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State where surrogacy will occur

Legal costs and surrogate compensation vary by state.

Do you already have embryos created?

Yes, I have embryos or a plan for embryos (fresh/frozen) No, I need to create embryos

Do you need an egg donor?

No Yes+$25,000–$45,000

Surrogacy type

Through an agencyMost common — full support Independent / identifiedKnow your surrogate already

Surrogate experience

First-time surrogate Experienced surrogateHas carried before — higher compensation

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Insurance coverage

No fertility coveragePaying entirely out of pocket Partial coverageSome costs covered by insurance Full coverageSurrogacy-related costs covered (rare)

Estimated employer benefit coverage

Drag to set how much your employer plan covers

$0$30,000

Your employer covers: $0

FSA or HSA account?

Yes, I have FSA/HSA funds

Some surrogacy medical costs may be FSA/HSA eligible

Next steps

→ Compare fertility financing options → Find surrogacy agencies in your state

Also explore

→ Calculate IVF costs for embryo creation → Egg freezing costs if using donor or own eggs

Surrogacy cost estimates based on published agency fee schedules, industry surveys, and legal fee data. Costs vary significantly by state, agency, and individual arrangement. This is not a quote. Consult with a surrogacy attorney and agency for accurate costs.

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