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Intended Parents

Surrogacy Cost Calculator

A surrogacy cost calculator can help you estimate the potential expenses involved in the surrogacy process and help you budget effectively.

Reach out to a surrogacy specialist and get a complete breakdown of surrogacy costs.

This article will help you estimate the cost of surrogacy and provide resources to help you understand how to fund your surrogacy journey.

How to Use a Surrogacy Cost Calculator

A surrogacy cost calculator allows you to plug in your information to plan for surrogacy and get an estimate based on the factors that you’ve included.

A calculator can help families by providing general information for financial planning. You can use this calculator to get an estimate of surrogacy and IVF costs, or read below about surrogacy cost breakdowns and what expenses can vary.

As you use a surrogacy cost calculator, many factors will affect your overall costs including:

Limitations of a Surrogacy Cost Calculator

Ultimately, the exact cost of surrogacy varies from person to person based on several factors, and a surrogacy cost calculator can only provide a cost estimate, not the exact amount you will need.

It’s essential to consult a surrogacy professional for a more detailed estimate.

IVF Cost Calculator vs. Surrogacy Cost Calculator

If you’re considering both IVF and surrogacy, it’s important to point out that surrogacy usually uses IVF to get a surrogate pregnant, and also requires things like legal help and surrogate compensation, so you can generally expect the cost of surrogacy to be higher than the cost of IVF.

It’s important to note that IVF costs can add up quickly. If you make several attempts with IVF, in some cases, it can be more than if you had pursued surrogacy. And surrogacy done with an experienced team backing you has higher rates of success.

Surrogacy Cost Breakdown

The average cost of surrogacy is approximately $169,900-$179,000+ or more. However, every surrogacy journey is unique, and certain costs can vary significantly.

Below are some of the factors that can affect the cost of your surrogacy journey.

 

One of the basic surrogacy fees is the agency fee. Agency fees cover the services of a surrogacy agency that helps with matching intended parents to surrogates, providing guidance through the process, and handling logistics.

Surrogate compensation is the cost of the surrogate pregnancy itself—it is the amount paid directly to the surrogate for carrying the pregnancy. The compensation depends on factors such as the surrogate's experience and location.

Medical costs can also be significant. IVF for surrogate mothers cost roughly the same per cycle, and in many cases surrogates can have a higher success rate, which means that you may save money on IVF if you have a surrogate.

Other medical costs include fertility treatments, such as IVF (in vitro fertilization), prenatal care, and delivery. IVF costs are often one of the largest expenses within the surrogacy process.

Legal fees cover the cost of contracts between the surrogate and the intended parents, as well as any necessary legal services to ensure the process is carried out correctly.

Insurance costs may include the cost of covering the surrogate’s health insurance for maternity and delivery, or the purchase of a separate insurance policy if the surrogate's existing policy doesn't cover the pregnancy.

How to Afford Surrogacy

When it comes to affording surrogacy, there are several options for you to complete your journey.

Many families fund their surrogacy journey using a combination of strategies, including:

Ready to plan your surrogacy journey?  Get help calculating your costs or you can read more about these options here.

Frequently Asked Questions

Will insurance cover a surrogate?

In most cases health insurance will not cover the full cost of surrogacy. In many cases, insurance from the intended parents or the surrogate will cover some of the medical expenses related to surrogacy, but compensation for the surrogate and things like legal and agency fees are not usually covered unless you have a fertility-focused insurance.

Which is cheaper, IVF or surrogacy?

In most cases IVF is less expensive than surrogacy because surrogacy requires IVF in addition to compensation for the surrogate and legal fees. However, in some cases repeated cycles of IVF that don’t lead to a success can become more expensive than surrogacy.

How do couples afford surrogacy?

Couples usually afford surrogacy through a variety of financial strategies including savings, loans, grants, payment plans, and crowdfunding.

Does a baby get anything from a surrogate mother?

A surrogate mother does not pass on any genetics to the child in surrogacy.

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