Total Cost of Egg Freezing to a Baby

The total cost of egg freezing does not stop at the freeze. The second half falls due only if and when the eggs are used: thaw, fertilization, embryo development, transfer. The calculator below puts the freeze, the storage and the use side into one budget for a given age, state and cycle plan.

Track the full lifecycle

Stage	From	To	Notes
Freeze (one cycle)	$12,000	$20,000	Procedure, meds, year-1 storage. Most do 1 to 3 cycles.
Storage (per year, after year 1)	$500	$1,000	8 to 12 paid years typical before use, dispose, or transfer
Thaw cycle	$1,000	$2,500	Per thaw event, including embryologist labor
ICSI fertilization	$1,500	$3,000	Standard for previously-frozen eggs
Embryo culture and grading	Often included	—	Bundled with fertilization at most clinics
Embryo transfer (fresh or frozen)	$3,000	$5,500	Per transfer attempt
Pregnancy testing and monitoring	$300	$800	Beta-hCG, early ultrasounds
PGT-A genetic testing (optional)	$3,000	$6,000	1 to 8 embryos. Discuss case-by-case

Two data sets provide the cost ranges: FertilityIQ cost data[1] and CDC ART pricing benchmarks.[8]

The freeze is the visible cost. The use-side stages are what most budgets miss. Mid-range at each stage; optional PGT-A excluded.

Budgeting for one transfer to baby

The total price for a single transfer, combining freezing, storage during the waiting period, and use-side costs, ranges from $5,800 to $11,800. Consider a 32-year-old patient who does one cycle in a mid-tier metro for $16,000, returns at 38 after five years of storage at $750 annually (totaling $3,750), and then undergoes one transfer: thaw at $1,500, ICSI at $2,250, transfer at $4,250, and monitoring at $550, summing to $8,550. That brings the total to roughly $28,300.

Timelines from worked examples

Cycle: $16,000 (mid-tier metro)
Storage years 2 to 6 (5 paid): $3,750
One transfer attempt: $8,550
Total: ~$28,300
If two transfers required: ~$36,850

Two cycles: $32,000 mid-tier
Storage years 2 to 6 (5 paid): $3,750
Two transfer attempts: $17,100
Total: ~$52,850
PGT-A on embryos adds $3,500 to $6,000

Three cycles: $48,000 mid-tier
Storage years 2 to 4 (3 paid): $2,250
Two transfer attempts: $17,100
Total: ~$67,350
When you freeze at age 38, the chance of success per egg drops. So doctors sometimes advise using donor eggs when you come back to use your frozen eggs.

Realistic case for multiple transfers

According to CDC ART data, per-transfer live-birth rates for eggs frozen before age 35 are roughly 30% to 45%, no matter when the transfer happens. For eggs frozen at ages 38 to 40, the success rate is about half that. The actual rate depends on the age of the egg and on the recipient’s factors. Plan for two transfers if your yield is high, and three transfers if your yield is low.[8]

Explaining PGT-A genetic testing

PGT-A screens embryos for chromosome issues. It costs $3,000 to $6,000 for 1 to 8 embryos from major labs such as Igenomix, CooperGenomics, and Natera. This test can reduce the risk of miscarriage. It is more helpful if you froze eggs at an older age or if you have had miscarriages. The drawbacks are the cost and a small chance of false-negative results. Talk to your reproductive endocrinologist about whether the test is right for you.

Implicit insurance premium view

A real option is a useful model for egg freezing. The upfront freeze cost corresponds to the option premium. The full-cycle cost corresponds to the strike price. The option’s expected value depends on whether it is exercised: as of 2021, 38.1% of patients had returned to use their frozen eggs, per Fertility & Sterility cohort data.[7] The remaining 61.9% paid only the freezing and storage fees, not the full-cycle cost. Planned oocyte cryopreservation, according to the ASRM 2023 ethics committee opinion, does not guarantee a future live birth.[20]

[1] FertilityIQ, “The Costs of Egg Freezing” (checked April 2026). https://www.fertilityiq.com/fertilityiq/articles/the-costs-of-egg-freezing
[8] Centers for Disease Control and Prevention, 2022 data, published 2024, “ART Success Rates: National Summary Report”. https://www.cdc.gov/art/reports/2022/national-summary.html
[7] Fertility and Sterility, 2021, “Patterns and outcomes of patients who returned to use cryopreserved oocytes for family building”. https://www.fertstert.org/article/S0015-0282(21)02220-9/fulltext
[20] ASRM Ethics Committee, Fertility and Sterility, 2023, “Planned oocyte cryopreservation for women seeking to preserve future reproductive potential: an ethics committee opinion”. https://www.asrm.org/practice-guidance/ethics-opinions/planned-oocyte-cryopreservation-for-women-seeking-to-preserve-future-reproductive-potential-an-ethics-committee-opinion/
[4] ASRM Practice Committee, Fertility and Sterility, 2021, “Evidence-based outcomes after oocyte cryopreservation for donor oocyte in vitro fertilization and planned oocyte cryopreservation: a guideline”. https://www.asrm.org/practice-guidance/practice-committee-documents/evidence-based-outcomes-after-oocyte-cryopreservation-for-donor-oocyte-in-vitro-fertilization-and-planned-oocyte-cryopreservation-a-guideline/
[5] Goldman et al., Human Reproduction, 2017, “Predicting the likelihood of live birth for elective oocyte cryopreservation: a counseling tool for physicians and patients”. https://academic.oup.com/humrep/article/32/4/853/3056229
[17] Extend Fertility, “Egg Freezing Success by Age: Outcomes Data” (checked April 2026). https://extendfertility.com/your-fertility/egg-freezing-success-rates/
[6] Cobo et al., Fertility and Sterility, 2016, “Oocyte vitrification as an efficient option for elective fertility preservation”. https://www.fertstert.org/article/S0015-0282(15)02157-7/fulltext
[3] Cofertility, “Comparing Egg Freezing Costs Across the U.S. and Why Location Matters” (checked April 2026). https://www.cofertility.com/freeze-learn/comparing-egg-freezing-costs-across-the-u-s-and-why-location-matters