IVF Refund Program Break-Even Analyzer

Stack IVF shared-risk packages against paying per cycle by combining clinic success odds, included cycle counts, and partial refund terms. See the expected cost per live birth, potential savings, and how much cash comes back if the program ends without a baby.

Upfront price of the shared-risk or money-back IVF package.
All-in fee you pay when purchasing a single IVF cycle outside of a refund program.
How many full IVF cycles the refund program covers before issuing a refund.
Probability of a live birth per cycle for your age group or clinic stats.
Share of the buy-in the clinic refunds if you complete all cycles without a live birth. Leave at 100 for full money-back programs.

Estimates only; consult your reproductive endocrinologist or financial advisor before committing to a program.

Examples

  • Refund package $28,000 for 3 cycles, standard cycle $11,500, success per cycle 32%, full refund ⇒ Refund plan: $28,000.00 per live birth | Pay-per-cycle: $35,937.50 per live birth | Expected savings: $7,937.50 | Success probability: 68.56% | Refund if no success: $28,000.00
  • Refund package $22,500 for 2 cycles, standard cycle $12,400, success per cycle 45%, 90% refund ⇒ Refund plan: $23,475.81 per live birth | Pay-per-cycle: $27,555.56 per live birth | Expected savings: $4,079.75 | Success probability: 69.75% | Refund if no success: $20,250.00

FAQ

What if medications are billed separately?

Add medication costs to both the refund buy-in and the per-cycle amount so the comparison includes identical expense categories.

Do refund programs always reimburse 100%?

Most shared-risk programs refund between 90% and 100% if no live birth occurs. Adjust the buy-in cost down by the non-refundable portion if a program keeps a fee.

Can I include donor eggs or genetic testing fees?

Yes. Add those expenses to the per-cycle cost or the program buy-in depending on how your clinic structures the package.

How do I model travel expenses?

Add travel or lodging to the per-cycle cost so each scenario reflects the total cash you expect to spend per attempt.

Does the refund percentage field change the break-even point?

Yes. Lower refund percentages reduce the safety net in a failure scenario, raising the effective cost per live birth and shrinking expected savings versus pay-per-cycle.

Additional Information

  • Refund programs can be set to anything from partial (e.g., 80%) to full refunds using the optional percentage field.
  • Pay-per-cycle scenarios assume you stop after the same number of cycles covered by the refund plan.
  • Success rates are treated as constant per cycle; ask your clinic how rates shift with age or embryo quality for refinements.
  • Pair this calculator with your clinic's medication and monitoring estimates to ensure both scenarios include identical expense categories.

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