Sunfish partners with top fertility clinics, offering flat-fee IVF packages designed to make treatment costs more predictable. Packages may include unlimited embryo transfers, a partial refund if treatment is unsuccessful, and a lowest price-match guarantee on IVF medications.
IVF Cost Estimator
Understand your IVF costs. Plan with confidence.
Every fertility journey is different, which often means the costs are, too.
We built an interactive tool to help you understand what to expect before you start - and how Sunfish can make planning simpler with personalized guidance and a more predictable financial path forward.
What makes IVF costs so hard to predict?
The cost of IVF is made up of several different components. While the retrieval fee is often the first price point you see, your total all-in cost depends on your unique treatment plan and any additional services you may need.
What the base fee FOR IVF doesn't include
Medications, transfers, and storage can add $3,500–$8,000 more per cycle.
Most patients need 2–3 transfers before a live birth, often billed separately
And depending on factors like age, ovarian reserve, and overall reproductive health, it can be common to need more than one IVF cycle to achieve your family-building goals.
Unlock your personalized cost breakdown
See estimated costs for your situation — and exactly how much you could save with Sunfish.
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How Sunfish helps
Our flat-fee IVF Success Program bundles everything — including unlimited transfers — so you know your true cost upfront, with no surprise bills.
Know your costs
Build your estimate
Add or remove the services that apply to you — your estimated total updates instantly.
Your estimated total
$20,500 – $47,000
With Sunfish it's one flat fee that covers your whole range — Standard covers your low end, Gold the high end (with a partial money-back guarantee).
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See how much of this you could keep. Talk to a Fertility Planning Partner.
ItemLowHighEst. Amount
Total cost
$20,500 - $47,000
Typical Range
$0
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Estimates vary by clinic, location & individual protocol. Not medical or financial advice. Savings shown are an illustrative estimate; actual amounts depend on eligibility and your plan.
Make every dollar count
The Sunfish IVF Success Program lowers your cost at every step. Tap the cards below to see all of the ways we'll help you save money, and make the most of your investment.
Refund Programs
If your cycle doesn't result in a live birth, Sunfish's Gold Program refunds a portion of your investment. Sunfish helps you evaluate these options.
Sunfish's Gold Program offers a partial refund if you don't achieve a live birth after an agreed number of cycles - turning an uncertain spend into a protected one.
Estimated savings
Up to $15,000 back
Multi-Cycle Packages
Bundling cycles can reduce per-cycle costs and provide more predictable pricing - bringing you more peace of mind.
If you know you'll need multiple retrieval cycles to achieve your goal, buying 2–3 cycles together as a package typically lowers the per-cycle price versus paying per-cycle, and locks in a single predictable total upfront.
Estimated savings
$5,000 – $15,000
Unlimited Transfers
Some programs guarantee a set number of embryo transfers, instead of paying for them one at a time.
Each frozen embryo transfer can cost $3,000–$6,000, and most patients need more than one to achieve pregnancy. Sunfish's unlimited-transfer programs includes as many as you need in one fixed price.
Estimated savings
$3,000 – $18,000+
Planning Partner
Dedicated guidance handles billing, insurance, and logistics — so no detail slips through the cracks and no benefit goes unused.
Your Sunfish Planning Partner verifies insurance, surfaces benefits you may not know you have, and negotiates pricing on your behalf, recovering money most patients leave on the table.
Estimated savings
$2,000 – $10,000
Member Perks
Exclusive member discounts on medications and holistic care: acupuncture, therapy, nutrition, supplements, and more.
This includes lowest-price matching on fertility medications, plus discounted partner rates on complementary services across the full IVF journey.
Estimated savings
$1,000 – $5,000
FAQs
Tap any question to learn more more about the factors that impact the cost of your IVF treatment.
What Is the average cost of IVF in the USA?
The average IVF cost in the United States typically ranges from $15,000 to $30,000 or more per cycle, depending on your clinic, location, medications, insurance coverage, and treatment plan. The base IVF price often doesn't include additional expenses like fertility medications, genetic testing (PGT), embryo freezing and storage, anesthesia, or embryo transfers.
Because every fertility journey is different, the total cost of achieving a pregnancy may involve more than one IVF cycle. That's why understanding your total expected IVF cost (not just the price of one retrieval) is essential when planning treatment.
Sunfish's IVF Cost Calculator helps estimate your personalized IVF costs based on your unique circumstances, giving you a clearer picture of what to expect before treatment begins.
How Sunfish helps
How do I know if I have fertility treatment benefits or insurance coverage for IVF?
Determining whether you have insurance coverage for IVF can be confusing, but it's an important first step in understanding your potential out-of-pocket costs.
Start by calling the Member Services number on the back of your insurance card and ask specifically about your fertility or infertility treatment benefits. Helpful questions include:
- Is IVF covered under my plan?
- Are fertility medications covered?
- Is there a lifetime or annual maximum for fertility benefits?
- Are there any prior authorization requirements?
- Do I need to use a specific fertility clinic or pharmacy?
If you have employer-sponsored insurance, it's also worth contacting your HR or benefits team. Many employers offer fertility benefits that go beyond state insurance requirements through their health plan or a fertility benefits provider.
How Sunfish helps
Sunfish's team helps you navigate and maximize your insurance benefits before you start treatment, and helps you understand next steps if your coverage runs out.
What factors impact the total cost of IVF?
Several factors can influence how much IVF may cost, which is why two patients rarely receive the same estimate.
Some of the biggest factors include:
- Age, which can influence treatment recommendations and success rates
- Your fertility diagnosis and medical history
- Whether donor eggs, donor sperm, or a gestational carrier are part of your plan
- The number of IVF cycles you may need
- How many embryo transfers you need to achieve pregnancy
- Medication protocols, which vary from patient to patient
- Whether genetic testing (PGT) is recommended
- Insurance coverage and employer fertility benefits
- Where you receive treatment, since IVF costs vary by clinic and region
Understanding these variables can help you plan more confidently and avoid unexpected expenses throughout treatment.
How many IVF cycles will I need?
The number of IVF cycles you'll need is highly individualized and depends on factors like your age, reproductive health, medical history, fertility diagnosis, and family-building goals. Your fertility specialist will discuss your recommended treatment plan with you and adjust it based on how you respond to treatment.
Because some patients achieve pregnancy after a single retrieval while others benefit from multiple cycles, it's important to plan for more than just the cost of one IVF cycle. Sunfish offers bundled multi-cycle IVF packages designed to provide more predictable pricing, along with unlimited embryo transfers for one year and a partial refund if treatment is unsuccessful. This approach helps reduce financial uncertainty so you can focus on your treatment.
What are embryo transfers, and why are they often billed separately?
An embryo transfer is the procedure in which a fertilized embryo is placed into the uterus as part of an IVF treatment cycle. While egg retrieval and embryo creation are often thought of as "IVF," the embryo transfer is a separate step that may take place days, weeks, or even months later if embryos are frozen.
After the first transfer from the initial IVF cycle , additional embryo transfers are often billed separately because they involve additional monitoring appointments, medications, laboratory services, and the transfer procedure itself. If more than one embryo transfer is needed to achieve a pregnancy, these costs can add up over time.
Sunfish's IVF Success Program includes unlimited embryo transfers for one year as part of a flat-fee package, helping make costs more predictable and reducing the financial uncertainty of needing multiple transfers.
Are there wellness or holistic care costs I should budget for?
Possibly. While not required, many people choose to incorporate supportive services alongside IVF, such as acupuncture, nutrition counseling, mental health support, massage therapy, or fertility coaching. These services are often paid out of pocket and aren't typically included in clinic pricing or covered by insurance.
When planning your IVF budget, it's helpful to consider both your medical treatment costs and any additional wellness support you may want throughout your journey. Sunfish members also receive access to exclusive discounts on a variety of wellness services and fertility-related resources.