IVF Cost Calculator
Pick a destination, number of cycles and add-ons to estimate your total IVF spend
Add-ons (per cycle)
Estimated total cost
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Cost breakdown
Ranges are compiled by ProIVF from CDC data, published clinic pricing and third-party comparison tools, and are budget estimates only. Roughly 20% of US clinics publish list prices, so confirm actual costs in writing with the clinic.
How does this calculator work?
- 1 Choose your IVF destination (US national average or a specific state / city)
- 2 Enter the number of egg retrieval cycles you plan to run
- 3 Tick add-ons such as PGT-A, ICSI and assisted hatching, then set additional frozen embryo transfers and storage years
- 4 Read the total cost range, the average per cycle, and the itemised breakdown
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The calculator splits a quoted cycle into four layers: the medication-included base cycle, per-cycle add-ons, extra frozen embryo transfers billed by count, and storage billed by year. Keeping them separate is what explains why two clinics in the same city can differ by a factor of two.
The US average is $15,000–$30,000 per cycle including medication. The range is wide because roughly 80% of clinics do not publish prices, and what a package includes varies — some fold in a frozen transfer and first-year storage, others bill each separately.
State-to-state spreads reach three-fold: New York $20,000–$35,000 and California $18,000–$30,000 versus Ohio $11,000–$18,000 and Texas $12,000–$20,000. The gap tracks lab compliance costs, local rent and payroll, and insurance environment — not success rates.
Stimulation medication is the most volatile line at $3,000–$7,000, or roughly 20%–40% of the cycle. Gonadotropin supply has remained intermittently tight into 2026, with some patients facing 20%–40% price increases or a mid-cycle protocol switch.
If surplus embryos survive the first transfer, each additional transfer costs $3,000–$5,000 with no new stimulation or retrieval — the main reason clinics recommend one stimulation followed by several transfers.
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Base fees use published single-cycle, medication-included ranges: $15,000–$30,000 nationally, highest in New York ($20,000–$35,000) and lowest in Ohio ($11,000–$18,000). Add-ons scale with each cycle; extra transfers and storage scale with count and years.
Total = per-cycle range × cycles + add-ons × cycles + FET × count + storage × years calculator.tipsTitle.ivf-cost
- • Only about 20% of US clinics publish list prices, so always reconcile this estimate with a written quote
- • Multi-cycle packages typically run 15%–25% below per-cycle pricing — ask before you sign
- • Stimulation medications account for roughly 20%–40% of a cycle and vary widely by protocol and dose
- • A frozen embryo transfer needs no new stimulation, so it usually costs 20%–30% of a first cycle
Frequently Asked Questions
What does one IVF cycle cost in the US?
Why do prices differ so much between states?
What is included in the base price?
Will insurance cover it?
References
- [1] CDC ART reports are the official source for US clinic cycle volumes and outcomes used in this calculator — CDC - Assisted Reproductive Technology
- [2] ASRM sets CLIA/CAP compliance standards for reproduction labs, and its cost surveys inform the add-on pricing here — ASRM
- [3] SART publishes verified national and clinic-level cycle data for comparing actual spend against outcomes — SART - Clinic Summary Report
- [4] TreatCompare and CalcFi publish state-level IVF cost ranges used as one comparison source — TreatCompare - Virginia IVF Cost
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