How much does IVF cost in the US?

A single IVF cycle typically costs $15,000-$25,000 for the procedure plus $3,000-$7,000 for medications. Additional costs may include genetic testing (PGT-A, $3,000-$5,000), frozen embryo transfer ($3,000-$5,000), and embryo storage ($500-$1,000/year).

What is the IVF success rate?

Live birth rates per IVF cycle depend on age: under 35 is about 40-50%, age 35-37 is about 30-40%, age 38-40 drops to 20-30%, and over 40 is typically 5-15%. Using donor eggs significantly improves rates regardless of age.

What is PGT-A genetic testing?

Preimplantation Genetic Testing for Aneuploidies (PGT-A) screens embryos for chromosomal abnormalities before transfer. It adds $3,000-$5,000 but can improve success rates by selecting euploid (chromosomally normal) embryos.

Does insurance cover IVF?

About 20 US states have fertility insurance mandate laws. Coverage varies widely — some plans cover diagnostics only, others cover multiple cycles. Many employer plans, especially at large companies, now offer IVF benefits.

Is it cheaper to use donor eggs?

Donor egg IVF typically adds $25,000-$35,000 to cycle costs but delivers significantly higher success rates (typically 50-60% per transfer regardless of recipient age), which may reduce total cycles needed.

IVF Cost Calculator

Calculate total IVF cost including procedure, medications, PGT-A genetic testing, and embryo storage. Compare single vs. multi-cycle costs, estimate success rates, and see insurance coverage scenarios.

Number of Cycles

Procedure Cost Per Cycle

Medication Cost Per Cycle

Total All-In Cost

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All-In Cost Per Cycle —

Est. Cumulative Success Rate —

Est. Cost Per Successful Outcome —

Extended More scenarios, charts & detailed breakdown ▾

Procedure Cost

Medication Cost

Genetic Testing (PGT-A) ?

Frozen Embryo Transfer

Fresh Cycle Total

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With Frozen Transfer —

With PGT-A —

All-In (with PGT + FET) —

Professional Full parameters & maximum detail ▾

IVF Cycles

Procedure Cost/Cycle

Medication Protocol

PGT-A Cost (if used) ?

Using Donor Eggs?

Annual Embryo Storage

Storage Years

years

Financing?

Treatment Costs

Base Treatment Cost —

Medication Cost —

Donor Egg Cost —

Embryo Storage Cost —

Total Investment

Total (Cash) —

Total (if Financed) —

Financing Note —

Outcomes

Est. Cumulative Success Rate —

Lifetime Cost Estimate —

How to Use This Calculator

Enter the number of cycles you expect to need.
Enter procedure cost and medication cost per cycle.
Results show total all-in cost and estimated cumulative success rate.
Use Single Cycle to break down fresh vs. frozen transfer costs. Use Multi-Cycle to compare 1-3 cycle scenarios. Use the Professional tab for detailed cost breakdown with financing options.

Formula

Total Cost = Cycles × (Procedure + Medications) + PGT-A + Storage

Cumulative Success = 1 − (1 − 0.40)^cycles (baseline ~40%/cycle under 35)

Example

Example: 2 cycles × ($20,000 procedure + $5,000 medications) = $50,000 total. Cumulative success: 1 − (0.60)² = 64% chance of a successful cycle.

Frequently Asked Questions

A single IVF cycle typically costs $15,000-$25,000 for the procedure plus $3,000-$7,000 for medications. Additional costs may include genetic testing (PGT-A, $3,000-$5,000), frozen embryo transfer ($3,000-$5,000), and embryo storage ($500-$1,000/year).
Live birth rates per IVF cycle depend on age: under 35 is about 40-50%, age 35-37 is about 30-40%, age 38-40 drops to 20-30%, and over 40 is typically 5-15%. Using donor eggs significantly improves rates regardless of age.
Preimplantation Genetic Testing for Aneuploidies (PGT-A) screens embryos for chromosomal abnormalities before transfer. It adds $3,000-$5,000 but can improve success rates by selecting euploid (chromosomally normal) embryos.
About 20 US states have fertility insurance mandate laws. Coverage varies widely — some plans cover diagnostics only, others cover multiple cycles. Many employer plans, especially at large companies, now offer IVF benefits.
Donor egg IVF typically adds $25,000-$35,000 to cycle costs but delivers significantly higher success rates (typically 50-60% per transfer regardless of recipient age), which may reduce total cycles needed.

Related Calculators

Sources & References (5) ▾