IVF Cost Calculator

Region

Number of Cycles

The average is 2-3 cycles. Success rates are approximately 30-50% per cycle depending on age.

Medication Protocol

Additional Procedures

Insurance Coverage

Estimated Total Cost (1 Cycle)

Total Estimate

$17,000

Range: $12,000 - $22,000

Per-Cycle Cost Breakdown

Monitoring & Bloodwork$1,000 - $2,000

Medications$4,000 - $7,000

Egg Retrieval$3,000 - $5,000

Anesthesia$500 - $1,000

Lab / Embryology$1,500 - $3,000

Embryo Transfer$2,000 - $4,000

Per Cycle Total$12,000 - $22,000

Financial Considerations

Fertility-Specific Loans

Companies like Prosper Healthcare Lending, CapexMD, and Future Family offer fertility financing with rates from 3.99% APR.

Clinic Payment Plans

Many clinics offer in-house payment plans, multi-cycle discounts (10-25% off), or shared-risk/refund programs.

HSA / FSA Accounts

IVF is an eligible medical expense for Health Savings Accounts and Flexible Spending Accounts (pre-tax dollars).

State Mandates

20 states have fertility insurance laws. Check if your state mandates IVF coverage (AR, CT, IL, MA, MD, NJ, NY, RI, etc.).

Disclaimer

This calculator provides rough cost estimates based on national averages. Actual IVF costs vary significantly by clinic, geographic area, individual medical needs, and treatment protocols. Costs may also change over time.

This is not medical or financial advice. Always consult directly with your fertility clinic for an accurate cost estimate. Insurance coverage details should be confirmed with your insurance provider. Many factors affect IVF success rates including age, diagnosis, and clinic quality.

Additional costs not included: initial consultations ($200-$500), pre-cycle testing ($500-$2,000), embryo storage fees ($300-$1,000/year), ICSI ($1,500-$2,500), and potential additional medications.