Ahmed Amer

June 3, 2025
7 min
 read

Understanding Fertility Treatment Costs: What You’re Really Paying For (And How to Plan Smarter)

TL;DR:

  • Fertility treatment costs vary wildly — and it’s rarely “just one round.”
  • Many patients underestimate total costs because clinics only advertise base cycle fees.
  • True cost includes: medications, consultations, tests, add-ons, and potential multiple rounds.
  • MyFertility’s Clinic Matcher and Cost Per Baby metric help you plan realistically — and avoid financial burnout.

🎯 Why IVF Pricing is So Confusing (On Purpose)

Let’s say you’re told IVF is £4,500 per cycle. Feels manageable, right?

But that doesn’t include:

  • 💊 Medication: £1,000–£3,000+
  • 🔬 Add-ons like ICSI, PGT-A, time-lapse: £500–£3,000
  • 🧊 Embryo freezing & storage: £500–£1,000+
  • 🔁 Follow-up transfers, second/third rounds: often necessary

💡 Patients in the UK often spend £12,000–£15,000+ per baby — far beyond what they initially expected.

In one MyFertility survey, over 60% of users said they underestimated their total spend by at least £5,000.

🧠 What Are You Actually Paying For?

Here’s a breakdown of common IVF expenses — and what’s typically NOT included in the base cycle fee:

Treatment ElementTypical Cost RangeOften Included in ‘Base Fee’?
Initial consultation£150–£250
Hormone medication£1,000–£3,000
Egg collection + IVF£3,000–£5,500
ICSI (if needed)£800–£1,500
PGT-A testing£2,000–£3,000
Embryo freezing£400–£1,000
Annual storage fee£200–£400/year
Frozen embryo transfer£1,200–£2,000
Monitoring scans£200–£500+

This means your “£4,500 IVF cycle” might become £10,000+ by the time you're done — even if it works the first time.

💬 What No One Tells You About “Affordable” IVF

Cheaper isn’t always better. A clinic might offer low base prices but:

  • Push unproven add-ons
  • Have lower success rates (so you need more rounds)
  • Charge separately for essentials like scans or freezing

The real question isn’t “What’s the price per cycle?” — it’s:

“What’s the total cost to take home a baby?”

That’s why we built the Cost Per Baby metric. Because it combines:

  • Treatment costs
  • Success rates
  • Add-on usage
  • Number of rounds most patients actually need

🧭 How to Plan Financially (Without Losing Your Mind)

✅ Step 1: Look Beyond the Brochure

Ask for:

  • A full itemised price list
  • Expected costs per round with medication
  • Typical number of rounds for someone like you

✅ Step 2: Use Tools Like Clinic Matcher

Compare clinics by:

  • Verified Live Birth Rate per cycle
  • Cost Per Baby
  • Real patient experiences and pricing

✅ Step 3: Speak With a Financially-Literate Fertility Expert

Book a call with someone who can help you:

  • Build a realistic budget
  • Understand your treatment options
  • Explore funding, loans or NHS access (if eligible)

💡 Final Thought: IVF Isn’t Just Medical — It’s Financial

Fertility treatment is one of the biggest investments you’ll ever make — emotionally, physically, and financially.

That’s why you deserve:

  • Honest breakdowns
  • Real cost expectations
  • Guidance that puts your future (not just your wallet) first

At MyFertility, we don’t just help you find a clinic. We help you find your best path forward — financially, emotionally, and medically.

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