Fertility Treatment Net Cost Planner

Forecast the out-of-pocket burden for fertility treatments by combining procedure pricing, medication add-ons, insurance coverage, and financing assumptions. The output shows the monthly payment required to service the remaining balance so you can compare lender offers or decide whether to self-fund instead.

Clinic quote per cycle including retrieval, lab, anesthesia, and embryology fees.
Set to 1 for a single attempt; increase when budgeting multi-cycle packages or refund programs.
Overall percentage your insurer reimburses for eligible fertility services after deductibles and co-insurance.
Leave blank if the policy has no lifetime fertility cap; otherwise enter the remaining benefit limit.
Leave blank to ignore extras; otherwise include medication, PGT testing, donor fees, and cryostorage per cycle.
Leave blank to assume a 7.00% APR on fertility financing; override with lender quotes or credit card promo rates.
Leave blank to assume a 24-month repayment horizon; extend to match your approved loan term.

Informational estimator; confirm insurance benefits and financing terms with your providers.

Examples

  • IVF at $14,500 plus $2,000 meds, one cycle, 50% coverage capped at $10,000, 6.50% APR over 24 months ⇒ $367.51 monthly payment
  • IUI at $1,800 with no coverage, financed at 7.00% APR over 24 months ⇒ $80.59 per month

FAQ

How do I model multiple treatment types?

Run separate scenarios for IVF, IUI, frozen embryo transfers, or donor cycles. Combine the monthly payments to build a blended budget aligned with your clinic’s recommended protocol.

Can I include HSA or FSA dollars?

Yes. Subtract the amount you intend to reimburse from an HSA or FSA from the procedure input before calculating so only after-tax dollars remain.

What if I plan to pay cash instead of financing?

Set the APR to 0 and the term to the number of months until treatment. The result becomes your monthly savings target to accumulate the required cash.

Additional Information

  • Multiply the monthly payment by the term to estimate total repayment and compare against the net cost for interest paid.
  • Coverage caps apply to combined procedure and medication charges—once the cap is exhausted, future cycles are 100% self-funded.
  • Adjust APR and term to match lender offers, 0% promotional cards, or clinic payment plans.
  • Enter zero APR and a savings timeline if you plan to self-fund, turning the result into your monthly savings target.

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