Egg Freezing Storage Reserve Calculator

Plan how much cash to reserve today for years of egg or embryo storage fees. Enter the annual storage cost and how long you expect to bank reproductive tissue, then layer in expected price increases, a personal discount rate, and any prepaid credits to surface the present-value funding target.

Include the clinic's storage fee for cryopreserved eggs or embryos.
Round to the number of years you expect to keep gametes in storage.
Defaults to 3%. Enter the typical annual price increase quoted by your clinic.
Defaults to 4%. Use your investment return or savings yield to discount future fees.
Optional—offsets the reserve target with clinic credits or savings already earmarked.

Informational budgeting tool—confirm storage pricing, escalation clauses, and refund policies with your fertility clinic before funding decisions.

Examples

  • $720 annual fee, 10-year horizon, 3.5% fee growth, 5% discount rate, $1,000 credit ⇒ $5,432.71 USD reserve needed today
  • $550 annual fee, 5-year horizon, no increases, 4% discount, no credit ⇒ $2,448.50 USD reserve needed today

FAQ

How should I estimate the discount rate?

Use the yield on the savings or investment account that will hold your storage fund so the reserve matches the opportunity cost of tying up cash.

Can I model embryo storage separately from egg storage?

Yes. Run the calculator for each storage category—embryos often carry higher annual fees—and sum the present values to get a total reserve target.

What if my clinic bills quarterly?

Convert the quarterly fee into an annual total before entering it. The calculator assumes a single payment each year, which closely approximates quarterly billing when fee increases are modest.

Additional Information

  • Fees are discounted mid-year, assuming each annual storage invoice is paid at year end.
  • Increase percentage compounds the fee schedule before discounting back to today.
  • Credit input offsets the present value to reflect clinic prepayments or funds already earmarked.

Related calculators