Fertility Treatment Cost Calculator
Compare IUI vs IVF costs with age-adjusted success rates, cumulative probabilities, and cost-per-success estimates.
About this calculator
This calculator compares IUI and IVF fertility treatment paths by combining age-adjusted per-cycle success rates with your planned number of cycles and costs. Age sets both IUI Success Rate (per cycle) and IVF Success Rate (per cycle) from published SART-derived brackets that step down as age rises -- for example IVF's per-cycle rate falls from 50% at age 30 or under to 5% past age 42. IVF Cumulative Success then compounds that per-cycle rate across your planned Number of Cycles to Plan using 1 minus (1 minus the per-cycle rate) raised to the number of cycles, so trying more cycles always raises your odds of eventual success, though age has the larger effect on IVF Cumulative Success at typical settings because the age brackets swing the underlying per-cycle rate more sharply than an extra cycle or two compounds it.
IUI Cost Per Cycle, IVF Cost Per Cycle, and Medication Cost (IUI uses about 30% of the medication figure) build the per-cycle and total cost figures, reduced by whatever percentage Insurance Coverage you enter; none of these three cost inputs affect either Cumulative Success figure, since success rates are governed only by age and cycle count, not by price. Cost Per Expected Success divides Total Cost by Cumulative Success, giving a rough all-in cost-per-outcome estimate. These are population averages from published clinical data, not a prediction for any individual's actual chances -- ovarian reserve, sperm quality, uterine and tubal factors, and prior treatment history all shift a real couple's odds well outside what an age-and-cycle-count model like this one can capture.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Inputs
Results
IUI Cumulative Success
38.6%
IVF Cumulative Success
81.5%
How to Use This Calculator
- Enter Age, IUI Cost Per Cycle, and IVF Cost Per Cycle.
- Set Medication Cost, Insurance Coverage, and Number of Cycles to Plan.
- Review IUI Cumulative Success (%) and IVF Cumulative Success (%).
- Use IUI Success Rate (per cycle) (%) and IVF Success Rate (per cycle) (%) to inform your decision.
How the result changes with Age
| Age | IUI Cumulative Success | IVF Cumulative Success |
|---|---|---|
| 20 | 44.9% | 87.5% |
| 25 | 44.9% | 87.5% |
| 50 | 5.9% | 14.3% |
What each input means
- Age
- Your current age. Success rates decline significantly after 35.
- IUI Cost Per Cycle
- Cost of one IUI cycle (procedure only, before medication).
- IVF Cost Per Cycle
- Cost of one IVF cycle (retrieval + transfer, before medication).
- Medication Cost
- Estimated medication cost per cycle (IUI uses ~30% of this amount).
- Insurance Coverage
- Percentage of fertility treatment costs covered by insurance.
- Number of Cycles to Plan
- How many cycles you are planning/budgeting for.
What each result means
- IUI Success Rate (per cycle)
- Age-adjusted per-cycle success rate for IUI.
- IVF Success Rate (per cycle)
- Age-adjusted per-cycle success rate for IVF.
- IUI Cumulative Success
- Probability of success across all planned IUI cycles.
- IVF Cumulative Success
- Probability of success across all planned IVF cycles.
- IUI Cost Per Cycle (after insurance)
- Out-of-pocket IUI cost per cycle including medications.
- IVF Cost Per Cycle (after insurance)
- Out-of-pocket IVF cost per cycle including medications.
- IUI Total Cost (all cycles)
- Total IUI cost for all planned cycles.
- IVF Total Cost (all cycles)
- Total IVF cost for all planned cycles.
- IUI Cost Per Expected Success
- Estimated cost per successful pregnancy via IUI.
- IVF Cost Per Expected Success
- Estimated cost per successful pregnancy via IVF.
- IUI Expected Cycles to Conceive
- Average number of IUI cycles needed for success at your age.
- IVF Expected Cycles to Conceive
- Average number of IVF cycles needed for success at your age.
- Savings if IUI Works (vs IVF)
- Per-cycle cost savings by trying IUI before IVF.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAge = 33, IUI Cost Per Cycle = 1500, IVF Cost Per Cycle = 15000, Medication Cost = 3000 = 6 input(s) provided
- Calculate IUI Cumulative SuccessIUI Cumulative Success = 1 - pow(1 - iuiSuccessRate, maxCycles)38.6 = 38.6
- Calculate IVF Cumulative SuccessIVF Cumulative Success = 1 - pow(1 - ivfSuccessRate, maxCycles)81.5 = 81.5
- Calculate IUI Success Rate15 = 15
- Calculate IVF Success Rate43 = 43
Engine last updated . Checked against 1 independently-derived test — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.
Frequently Asked Questions
Why does age affect my Cumulative Success more than the number of cycles I plan?
Age determines your IUI and IVF Success Rate (per cycle) directly from published age brackets, which swing sharply -- IVF's per-cycle rate falls roughly tenfold between the youngest and oldest brackets (50% at age 30 or under versus 5% past age 42). Cumulative Success compounds that per-cycle rate across your planned cycles using the formula 1 minus (1 minus rate) to the power of cycles, and while adding more cycles does raise your odds, the underlying per-cycle rate set by age has the bigger effect on the final Cumulative Success figure at typical cycle counts.
Does insurance coverage change my odds of success?
No. Insurance Coverage, IUI Cost Per Cycle, IVF Cost Per Cycle, and Medication Cost only affect the cost-related outputs (Cost Per Cycle, Total Cost, Cost Per Expected Success) -- none of them appear anywhere in the Cumulative Success calculation, which is driven entirely by your Age and the Number of Cycles to Plan.
How is Cumulative Success calculated from the per-cycle rate?
Cumulative Success uses the formula 1 minus (1 minus the per-cycle success rate) raised to the power of your planned number of cycles. This compounds independent per-cycle chances of success across multiple attempts, so even a treatment with a modest per-cycle rate can reach a substantial cumulative probability if you plan enough cycles.
Why is IUI usually cheaper but IVF usually more successful?
IUI Cost Per Cycle is calculated from a lower base procedure cost plus about 30% of your Medication Cost input, while IVF Cost Per Cycle uses the full IVF procedure cost plus the full Medication Cost figure -- reflecting IVF's more involved retrieval-and-transfer process. IVF's per-cycle success rates are also set higher than IUI's at every age bracket in this calculator, which is why IVF often produces a lower Cost Per Expected Success despite its higher sticker price.
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