Gestational Surrogacy Escrow Funding Planner

Know exactly how much cash you must wire into escrow before transfer day. Enter surrogate compensation, agency fees, and the medical allowance, then layer in legal work, insurance, and a contingency buffer to surface a funding target and monthly savings plan.

Contracted base compensation for the gestational carrier.
Total agency, screening, and coordination fees due at signing.
Budget for embryo transfers, medications, travel, and monitoring.
Optional. Include intended parent and carrier counsel plus escrow setup charges.
Optional. Add rider or gap coverage premiums due before pregnancy confirmation.
Optional. Recommended 10–15% to cover bed rest, lost wages, or travel add-ons.
Optional. Months remaining before embryo transfer when escrow must be ready.

Escrow requirements vary by state and agency. Review your contract and consult your reproductive law attorney before funding decisions.

Examples

  • $55,000 base, $28,000 agency, $18,500 medical, $7,200 legal, $4,800 insurance, 12% contingency, 8 months ⇒ Core contract obligations (comp + agency + medical): $101,500.00 • Optional add-ons (legal + insurance): $12,000.00 • Contingency reserve at 12.00%: $13,620.00 • Recommended escrow funding target: $127,120.00 • Monthly saving to be fully funded in 8 month(s): $15,890.00
  • $48,000 base, $24,000 agency, $15,000 medical, optional fields blank, 10% buffer, 9 months ⇒ Core contract obligations (comp + agency + medical): $87,000.00 • Optional add-ons (legal + insurance): $0.00 • Contingency reserve at 10.00%: $8,700.00 • Recommended escrow funding target: $95,700.00 • Monthly saving to be fully funded in 9 month(s): $10,633.33 • No legal or insurance extras were included; update optional fields if you expect them.

FAQ

When are contingency funds released?

They usually stay in escrow until after delivery or until contractually defined triggers (bed rest, C-section, twins) require reimbursement.

How should I budget for multiple transfer attempts?

Increase the medical allowance to include medication, travel, and monitoring for each anticipated transfer cycle.

Do I need separate escrow accounts for each surrogate expense?

Most agencies use a single escrow ledger with subcategories. This planner aggregates them so you can wire one lump sum that covers every obligation.

What about lost wages or childcare reimbursements?

Include them inside the contingency buffer or add them to the base compensation input if your contract specifies a guaranteed amount.

Additional Information

  • Escrow accounts typically fund 100% of base compensation, agency retainers, and major medical allowances before embryo transfer.
  • Add a contingency of 10–15% to cover lost wages, bed rest, or travel that most contracts reimburse separately.
  • Legal fees include both parties’ counsel plus parentage filings; insurance premiums may include supplemental life or disability coverage.

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