The Cost of Surrogacy
The cost of surrogacy varies widely, depending on many variables, including how experienced the surrogate you choose to work with is, the distance your surrogate lives from your fertility clinic, and more. Most surrogacy journeys cost between $90,000-$150,000, with a median around $120,000.
The total cost of surrogacy can generally be divided into several categories: administrative fees, standard surrogate compensation, surrogate travel expenses and reimbursements, surrogate benefits, legal fees, and surrogate compensation for complications and high-risk pregnancies.
Many expenses, like the agency fee and payment to the surrogate in standard distributions through pregnancy, are standard in virtually all surrogacy arrangements. Other expenses like lost wages and surgical and complication bonuses are only encountered if they happen.
Use the calculator below to toggle on and off various surrogacy expenses to determine their effect on the cost of surrogacy and estimate the potential cost of your surrogacy journey.
Surrogacy Cost Calculator
Surrogacy Financing
Surrogacy is a significant financial investment, but financing options can help make the journey more accessible. At Surrogate Steps, we partner with trusted fertility financing providers including Future Family and CapexMD to help intended parents finance surrogacy, IVF, legal fees, medications, and other related expenses.
Financing benefits may include:
- Loan amounts up to $50,000+
- Flexible monthly payment options
- Competitive interest rates
- Fast approvals and funding
- No prepayment penalties
- Simple online applications
- Support for IVF, surrogacy, medications, and more
Whether you’re looking to preserve savings or move forward with treatment sooner, financing can help make your path to parenthood more achievable.