Estimate only — not a clinic quote Sample planning data • Updated October 2026 Cost + success rate · For the United States

How the IVF cost calculator and success predictor work

What happens in one IVF cycle, how the cost estimate is calculated, and how to read a clinic’s IVF success rate — the same method the calculator and the SART-style predictor use.

What one IVF cycle actually looks like

Each step of one IVF cycle, how long it usually takes, and which line of the IVF cost estimate it relates to. Knowing the sequence makes the calculator — and the predictor — much easier to talk about with a clinic.

How this estimate is calculated

One formula, applied the same way for every city. No hidden adjustments.

Total estimate (all planned cycles) = Consultation & testing (once) + Cycles × ( Base procedure for your city + Medicines + ICSI + PGT-A + FET + Freezing & storage ) − Insurance coverage

Where the city price comes from

There is no official “IVF price for every city” database. This sample uses three layers, in this order: (1) a city base range for the larger cities listed in the calculator, (2) a state-average range where no city range is held, and (3) the nearest-city range where a town has no clinic of its own. For a production site, each city range should be replaced with the median of 2–3 named clinics’ published prices, with the clinic, source and date checked — and re-checked every three months.

What the predictor on this page is — and is not

The predictor below is a simplified illustration built on SART’s published national averages. It is not SART’s own predictor model and not a medical prediction for any one person.
It does not rank clinics or call any clinic “best”.
It does not store your answers, contact a clinic, or ask for personal health details beyond the few factors shown.
It does not replace an itemised, written quote from a clinic, or advice from your own clinician.

How to read a clinic’s success-rate claim

Clinics report honestly — but they do not all report the same number. Four checks before you compare any two clinics.

Ask these 4 questions

Per what? Per transfer looks highest; per retrieval is lower; per intended retrieval (including cancelled cycles) is the fairest picture of starting treatment.
For which age group? A clinic’s “55% success” usually means under-35s with own eggs. Compare your own age group, not the headline.
Over how long? “Cumulative” counts all transfers from one retrieval within a year. A single-transfer rate and a cumulative rate are not the same number.
How many cycles is it based on? A rate from 20 cycles can swing wildly. SART and CDC figures are based on hundreds of thousands — that is why national averages are the fair starting point.

Where to check it yourself

Every US clinic must report outcomes to the CDC, and most SART-member clinics also publish through SART. Use those two sources — not a clinic’s advert — as the reference.

Run your profile through the official SART Patient Predictor and compare it with the estimate above.
Look up a clinic’s age-group rates on the SART Success Rates pages.
Ask the clinic: “What is your live-birth rate per intended retrieval, for my age group, in your most recent reported year — and how many cycles is that based on?”

Estimate your IVF cost and chance of success

Use the free IVF cost calculator and success-rate predictor — by US state and city, with add-ons, cycles and insurance.

Open the IVF cost calculator Predict my chance