Fertility Treatment Cost Calculator
Compare IUI vs IVF costs with age-adjusted success rates, cumulative probabilities, and cost-per-success estimates.
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 |
|---|---|---|
| 23 | 44.9% | 87.5% |
| 31 | 38.6% | 81.5% |
| 40 | 22.1% | 54.3% |
| 47 | 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.
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