Free & Unbiased
Free, unbiased calculators for IVF, egg freezing, and surrogacy. 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 →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.
Why FertilityBudget
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.
By the numbers
Based on published SART, ASRM, and CDC data. Actual costs vary by location and clinic.
By state
Insurance mandates can dramatically reduce your out-of-pocket costs. See what’s available in your state.
Enter your email and we’ll send a copy of your cost breakdown to refer back to.
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