IVF Cost per Cycle Calculator
Estimate your total IVF cycle cost including medications, monitoring, retrieval, and embryo transfer. Plan your fertility treatment budget.
IUI Cost Calculator
Estimate intrauterine insemination costs including procedure, monitoring, medications, and sperm preparation fees.
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Cost per Cycle (Gross)⧉
$1,250.00
Total of all cost components
Insurance Covers⧉
$0.00
0% of per-cycle cost
Out-of-Pocket per Cycle⧉
$1,250.00
After insurance applied
Total for 3 Cycles⧉
$3,750.00
Total OOP for all planned cycles
Medication Cost⧉
$100.00
Oral (Clomid / Letrozole)
vs. IVF (~$15,000)⧉
25% of IVF cost
$11,250.00 less than typical IVF
Cost Breakdown per Cycle
| Component | Cost | % of Total | Visual |
|---|---|---|---|
| Procedure Fee | $400.00 | 32% | |
| Monitoring (US/Blood) | $500.00 | 40% | |
| Medications | $100.00 | 8% | |
| Sperm Wash/Prep | $200.00 | 16% | |
| Travel/Misc | $50.00 | 4% | |
| Total | $1,250.00 | 100% |
Cycle-by-Cycle Projection
| Cycle | Gross | Insurance | OOP | Cumulative |
|---|---|---|---|---|
| Cycle 1 | $1,250.00 | $0.00 | $1,250.00 | $1,250.00 |
| Cycle 2 | $1,250.00 | $0.00 | $1,250.00 | $2,500.00 |
| Cycle 3 | $1,250.00 | $0.00 | $1,250.00 | $3,750.00 |
IUI Success Rates by Age
| Age Group | Success Rate / Cycle | Avg Cycles to Conceive |
|---|---|---|
| Under 35 | 10-20% | 3-4 |
| 35-37 | 10-15% | 3-6 |
| 38-40 | 5-10% | 4-6 |
| 41-42 | 3-5% | 4-6 |
| 43+ | 1-3% | 5-6 |
IUI vs IVF Comparison
IUI (3 cycles): $3,750.00
IVF (1 cycle avg): $15,000.00
IVF + medications: $20,000.00
Planning notes, formulas, and examples
About the IUI Cost Calculator
Intrauterine insemination (IUI) is often used before IVF because it is less invasive and usually much less expensive per attempt. But the total still depends on several moving parts, including monitoring, medications, trigger shots, sperm preparation, and whether donor sperm is involved.
That variation matters because many patients do not budget for only one cycle. A plan that appears manageable at the procedure-fee level can look very different once several medicated cycles and related monitoring are included.
This calculator estimates the cost of a single IUI cycle from those components so patients and couples can budget more realistically for one attempt or for the multi-cycle path that is often recommended.
When This Page Helps
IUI pricing is hard to judge from the procedure fee alone. This page helps break the cycle cost into its real components so budgeting for several attempts is based on the actual treatment path rather than a partial quote.
How to Use the Inputs
- Enter the IUI procedure fee.
- Add monitoring costs (ultrasounds and blood work).
- Add medication costs (Clomid, Letrozole, or injectables).
- Include sperm wash/preparation fee.
- Add donor sperm cost if applicable.
- View your total estimated cost per cycle.
Formula used
Total per cycle = procedure_fee + monitoring + medications + sperm_prep + donor_sperm + other
Typical costs:
Natural cycle IUI: $300-$1,000
Medicated IUI (oral): $500-$2,000
Medicated IUI (injectables): $2,000-$4,000
Donor sperm: $500-$1,000/vialExample Calculation
Result: $1,300 per cycle
A medicated IUI with $400 procedure fee, $500 monitoring (2-3 ultrasounds + bloodwork), $200 Letrozole medication, and $200 sperm preparation totals $1,300 for one cycle.
Tips & Best Practices
- IUI with oral medications (Clomid/Letrozole) is the most cost-effective approach before IVF.
- Ask about trigger shot costs ($50-$250) which may be separate from the medication budget.
- Natural cycle IUI (no medications) costs less but has lower success rates.
- Most fertility specialists recommend 3-4 IUI attempts before moving to IVF.
- Insurance often covers monitoring and medications even when it does not cover the IUI procedure itself.
- If using donor sperm, order 2 vials per attempt in case one is suboptimal after thawing.
IUI Cost Tiers
Natural cycle IUI ($300-$1,000): no medications, timed to natural ovulation. Lowest cost but lowest success rate. Oral medication IUI ($500-$2,000): Clomid or Letrozole to stimulate 1-3 follicles, moderate monitoring. Best value for most couples. Injectable medication IUI ($2,000-$4,000): gonadotropins for more aggressive stimulation, more monitoring required. Higher success rate but also higher multiple pregnancy risk.
The IUI Process
Day 1-5: Start medications (if medicated cycle). Day 10-14: Monitoring via ultrasound and blood work to track follicle development. Trigger shot when follicles are mature. IUI procedure 24-36 hours after trigger. Two-week wait, then pregnancy test.
When to Move to IVF
If 3-4 IUI cycles are unsuccessful, IVF typically offers better per-cycle success rates. The decision depends on age, diagnosis, emotional readiness, and financial situation. Some couples prefer the lower cost and lower stress of additional IUI attempts; others want the higher success rates of IVF. There is no single right answer.
Sources & Methodology
Last updated:
Frequently Asked Questions
IUI success rates are 10-20% per cycle when combined with ovulation-inducing medications. Natural cycle IUI has lower rates (5-10%). Success declines with age, similar to IVF. Cumulative rates over 3-4 cycles reach 30-50% for women under 35.
Most fertility specialists recommend 3-4 medicated IUI cycles. If pregnancy has not occurred after 3-4 cycles, IVF typically offers better per-cycle odds. Each case is different — discuss with your provider based on your specific diagnosis.
Coverage varies widely. Many insurance plans cover diagnostic testing and monitoring but not the IUI procedure itself. States with fertility mandates may require IUI coverage. Check your specific plan and ask about coverage for each component separately.
IUI is typically tried first because it is less invasive, less expensive, and effective for many common infertility causes (unexplained, mild male factor, cervical issues). IVF is recommended first for blocked tubes, severe male factor, advanced age, or endometriosis.
Oral medications: Clomid ($30-$100) or Letrozole ($20-$80) stimulate 1-3 eggs. Injectable gonadotropins ($1,000-$3,000) produce more eggs but carry higher multiple pregnancy risk. A trigger shot (hCG, $50-$250) times ovulation precisely.
Most women describe IUI as mildly uncomfortable, similar to a Pap smear. The procedure takes about 5-10 minutes. No anesthesia is needed. Some women experience mild cramping during or immediately after. Normal activities can resume right away.
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