Surrogacy Cost Calculator – Plan Your Journey with Confidence

Every Dream Deserves a Clear Budget

If you’re exploring surrogacy, one of your first questions is always: “How much will this cost me?”

At Surrogacy4All, we make transparency part of our mission. We think intended parents have every right to know precisely where each dollar is spent. That’s why we developed the Surrogacy Cost Calculator — a straightforward, doctor-designed tool to assist you in planning, comparing, and budgeting with confidence.

This blog will take you through how surrogacy expenses are allocated, how to use our calculator effectively, and practical solutions to save without sacrificing quality or ethics.

Understanding the True Cost of Surrogacy

The cost of surrogacy in the USA runs approximately $120,000 on average, whereas in Canada, the range is between $80,000–$90,000 USD.

All these figures encompass:

• Medical & IVF expenses
• Surrogate compensation
• Legal fees
• Insurance
• Agency coordination

Our calculator breaks down each category so you can toggle according to your own circumstances — if you’re starting with embryos already, require an egg donor, or seeking international surrogacy.

Step-by-Step: How the Calculator Works

• Choose Your Location – Select USA, Canada, or an international program.
• Enter Your IVF Details – Mark whether embryos already exist or need to be created.
• Add Surrogate Compensation & Insurance – Automatically defined by your chosen country.
• Add Optional Add-Ons – Donor eggs, embryo shipping, twin pregnancy coverage, etc.
• Get Instant Estimate – A downloadable summary itemizes all pieces.

Pro Tip : If you’re comparing agencies, use the “detailed cost view” to identify hidden markups — our calculator exposes these instantly.

Example Estimate (USA Program)

Category	Typical Range	Included in Surrogacy4All Plan
Medical & IVF	$35,000–$45,000	✅
Surrogate Compensation	$50,000–$60,000	✅
Legal Fees	$7,000–$10,000	✅
Insurance	$15,000–$20,000	✅
Agency Fee	$20,000	✅
Total Estimate	$120,000	Fixed

Example Estimate (Canada Program)

Category	Typical Range	Included in Surrogacy4All Plan
IVF & Embryo Transfer	$25,000–$35,000	✅
Surrogate Reimbursements	$25,000–$35,000	✅
Legal & Court Orders	$7,000–$9,000	✅
Insurance & Delivery	$10,000–$15,000	✅
Agency Fee	$18,000	✅
Total Estimate	$80,000–$90,000	Fixed

How to Save 15–25% on Your Journey

Choose Canada if eligible.

Altruistic surrogacy models save money substantially.

Transfer fewer embryos.

One-embryo policy lowers insurance costs and NICU risks.

Bundle IVF cycles.

Our medical partners offer multi-embryo discounts by way of Ruma IVF (Ghana) and Create IVF (Toronto).

Apply for Financing.

Collaborating lenders like Future Family and Prosper Healthcare Lending provide low-interest structured plans.

Why Transparency Matters

Clarity on costs means you can worry about the emotional and medical journey — not surprise bills.

Each Surrogacy4All parent is provided with a written breakdown prior to the first payment, signed off by our coordinators and physicians. 

“The calculator gave us confidence before we spent a dollar. No surprises, just honesty.”

— Laura & Ben, California

Try our Surrogacy Cost Calculator to see your tailored estimate.

Call 1-212-661-7177 or email info@surrogacy4all.com for a consultation in detail.