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Surrogacy Costs: What to Expect and How to Budget

Understanding the financial investment required for surrogacy can be daunting for intended parents. This article aims to demystify surrogacy costs, breaking down expenses related to surrogacy agencies, fertility treatments, legal fees, and other ancillary costs. Additionally, it includes practical tips on how to budget for your surrogacy journey are offered.


Embarking on a surrogacy journey is an emotionally enriching experience, but it also comes with a significant financial commitment. Understanding where your money will be spent is crucial for planning and peace of mind. Let’s delve into the various cost components and explore how to budget efficiently for this life-altering experience.

Breaking Down Surrogacy Costs

Agency Fees

What to Expect:

  • Basic Agency Fees: These cover the cost of surrogate matching, screenings, and coordination. They can range from $20,000 to $40,000.
  • Additional Services: Some agencies offer optional services like psychological support and birth preparation, which can add to the cost.

Budget Tip:

Consider the scope of services you truly need and opt for package deals if available to save on individual service costs.

Fertility Treatments

What to Expect:

  • IVF Treatments: The cost can range from $10,000 to $15,000 per cycle.
  • Medications: Hormone injections and other medications can cost up to $5,000.

Budget Tip:

Some fertility clinics offer package deals or refund programs, which can provide some financial relief.

Legal Fees

What to Expect:

  • Contract Drafting: Expect to pay around $5,000 to $10,000 for surrogacy contracts.
  • Parental Rights: Legal procedures to establish parental rights can add another $2,000 to $5,000.

Budget Tip:

Consult multiple legal advisors to compare fees and services. Look for professionals specialized in reproductive law.

Additional Surrogacy Costs

What to Expect:

  • Prenatal and Maternity Care: This can range from $15,000 to $30,000.
  • Surrogate Compensation: Surrogates generally receive $35,000 to $50,000.
  • Travel and Accommodation: Budget around $5,000 for travel-related expenses.

Budget Tip:

Keep a contingency fund for unexpected expenses such as emergency medical care or additional legal requirements.

Budgeting for Surrogacy Costs: The Takeaway

  • Itemize All Costs: Make a comprehensive list of all potential expenses.
  • Prioritize: Allocate your budget according to what’s most crucial for you.
  • Research: Explore package deals, refund programs, and financial aid options.
  • Seek Professional Advice: Consult financial planners familiar with surrogacy expenses.

Understanding the costs involved in surrogacy enables you to plan effectively, ensuring you can focus on what truly matters: preparing for the arrival of your new family member. With proper budgeting and professional advice, you can navigate the financial aspects of surrogacy with greater confidence.

If you’re considering surrogacy, start by consulting Family Inceptions who can help you create a realistic budget tailored to your specific needs. Your journey to parenthood through surrogacy is a momentous occasion, and being well-prepared financially is an important step in that journey.

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Eloise Drane
Eloise Drane, Founder

"I believe that we are all placed on this earth for a purpose. Each one of us has a specific calling in this world and although it is different for everyone, we are here to serve one another. My purpose is to help women who wish to become surrogates and egg donors and the hopeful parents who wish to partner with them. I feel very lucky to be living my purpose."