How much does surrogacy cost?

Total surrogacy costs typically range from $101,000 to $195,000, including agency fees ($20,000–$35,000), surrogate compensation ($40,000–$80,000), medical costs ($15,000–$30,000), legal fees ($8,000–$15,000), and insurance ($8,000–$20,000).

What is included in surrogacy costs?

Surrogacy costs include: agency fees for matching and case management, surrogate compensation, medical costs for IVF and prenatal care, legal fees for surrogacy agreements, surrogate health insurance, and miscellaneous expenses.

How do people pay for surrogacy?

Surrogacy can be financed through personal savings, specialty fertility loans (up to $100,000, 7–15% APR), home equity loans, employer fertility benefits, or 401k loans.

Surrogacy Cost Calculator 2026 | FertilityCostGuide

Tell us about your surrogacy plan

We'll estimate your total cost range and financing options instantly.

ZIP code (where surrogacy will occur)

Enter your 5-digit ZIP to detect your state

Do you already have embryos created?

Yes, I have embryos or a plan for embryos (fresh/frozen) No, I need to create embryos

Do you need an egg donor?

No Yes+$25,000–$45,000

Surrogacy type

Through an agencyMost common — full support Independent / identifiedKnow your surrogate already

Surrogate experience

First-time surrogate Experienced surrogateHas carried before — higher compensation

Tell us about your insurance

This affects your out-of-pocket estimate.

Insurance coverage

No fertility coveragePaying entirely out of pocket Partial coverageSome costs covered by insurance Full coverageSurrogacy-related costs covered (rare)

Estimated employer benefit coverage

Drag to set how much your employer plan covers

$0$30,000

Your employer covers: $0

FSA or HSA account?

Yes, I have FSA/HSA funds

Some surrogacy medical costs may be FSA/HSA eligible

Next steps

Most intended parents don't pay surrogacy costs all at once. Costs are typically disbursed in stages — agency retainer, embryo creation, matching, and escrow — giving you time to plan financing around each phase.

→ Most intended parents finance surrogacy in stages — here's how

Also explore

→ Calculate IVF costs for embryo creation → Egg freezing costs if using donor or own eggs → How surrogate compensation works → Apply to become a surrogate

If IVF is part of your surrogacy plan, compare IVF costs by state or review IVF cost in California, IVF cost in Texas, and IVF cost in New York.

Surrogacy cost estimates based on published agency fee schedules, industry surveys, and legal fee data. Costs vary significantly by state, agency, and individual arrangement. This is not a quote. Consult with a surrogacy attorney and agency for accurate costs.

Surrogacy Cost Estimator

Tell us about your surrogacy plan

Tell us about your insurance

Unlock your full cost breakdown

Get updates and planning tips

Surrogacy Cost Estimator

Tell us about your surrogacy plan

Tell us about your insurance

Unlock your full cost breakdown

Get updates and planning tips

Related fertility costs

Get your estimate by email