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Fertility Cost Calculator

Compare estimated costs across treatment options based on your situation. Enter your details below to see a personalized side-by-side cost comparison for 2026.

Your Information

Your Estimated Cost Comparison

Estimated per-cycle and 3-cycle costs based on 2026 national averages

IVF

Clinical Procedure

estimated per cycle

Procedure & facility
Medications
Monitoring & labs
Donor material
3-cycle total

Clinic IUI

Clinic-Based Alternative

estimated per cycle

Procedure & facility
Medications
Monitoring & labs
Donor material
3-cycle total
Best Value

At-Home ICI

At-Home Approach

estimated per cycle

Insemination kit
Ovulation tests
Supplements
Donor material
3-cycle total

How We Calculate These Estimates

Our calculator uses 2026 national average cost data compiled from the following sources:

  • IVF costs: Based on published pricing from ASRM member clinics. Includes retrieval, transfer, anesthesia, and embryology lab fees. Medication estimates reflect injectable gonadotropin protocols.
  • IUI costs: Based on average clinic pricing for medicated IUI cycles, including sperm wash, catheter procedure, and ultrasound monitoring.
  • At-home ICI costs: Based on retail pricing for commercially available insemination kits, OTC ovulation prediction kits, and prenatal supplements.
  • Donor material: Sperm bank pricing averaged across major U.S. banks (Seattle Sperm Bank, California Cryobank, Fairfax) for anonymous donor ICI-ready vials.
  • Insurance adjustments: Partial coverage assumes a typical fertility benefit covering diagnostics and a portion of procedure costs. Full coverage assumes a state-mandated or employer-provided benefit covering most procedure costs.
  • Age adjustments: Older age groups may require additional monitoring, medication dosing, or cycle attempts, reflected as higher per-cycle estimates for clinical procedures.

These are estimates for planning purposes only. Actual costs vary by location, provider, and individual circumstances. Consult your insurance provider and fertility clinic for exact pricing.

Related Guides

At-Home Insemination Cost Breakdown

Detailed cost analysis of every at-home kit, per-cycle expenses, and hidden costs to plan for.

FSA/HSA Eligible Kits Guide

Which insemination kits qualify for pre-tax health spending accounts and how to submit claims.

Insurance Coverage by State

State-by-state breakdown of fertility insurance mandates and what treatments are covered.
JM
Jessica Morales, Lead Reviewer

If you are considering the at-home approach, I recommend starting with our comprehensive kit review page where we compare every kit on the market with hands-on testing data, success rate information, and detailed scoring across 12 evaluation criteria.