In this template
How to use this template
Enter the figures from your clinic's written quote, and use the contingency column for costs the quote does not cover. The line-by-line guide explains what each item is and what it commonly costs.
One-time and annual costs
These costs occur once, or once a year, regardless of how many cycles you complete:
- Initial consultation fee: £150–£300
- Baseline tests (AMH and FSH bloods, AFC scan, blood panel): £200–£500. You don't have to go through your clinic's own testing route, which can be slow and expensive. Your GP may be able to arrange some tests on the NHS, and independent labs can often give results sooner. Ask the clinic before you book whether it accepts outside results, from which labs, and how recent they must be, as some clinics repeat certain tests.
- Counselling: clinics must offer it. Ask whether it is in your quote.
- Donor sperm selection (bank registration fee): £0–£150
- Sperm vials: roughly £1,000–£1,800 a vial at UK-facing banks, plus VAT on imports, a family-slot or reservation fee and shipping (bank price lists, September 2026). Multiply by the number of vials you buy. Some people buy extra vials for a possible sibling. Ask about storage costs and whether unused vials can be sold back.
- Sperm import and quarantine: £300–£600
- Sperm storage at clinic (annual): £200–£400/year
- Embryo storage (annual): £300–£500 per year
Per-cycle costs
These costs apply to every treatment cycle:
- IVF base fee: £3,500–£6,500
- ICSI: £800–£1,500 if not included. Not routinely needed with good-quality donor sperm; some clinics recommend it depending on the vial. Ask why if it is on your quote.
- Stimulation drugs: £1,000–£2,500 (request an estimate based on your AMH)
- Monitoring scans (if not included): £200–£600
- Embryo freezing (if applicable): £300–£500, charged once per cycle that produces embryos to freeze
Frozen embryo transfer (FET) costs
If you have frozen embryos from a stimulated cycle, each transfer costs less than a full cycle:
- FET cycle fee: £1,200–£2,500
- Endometrial preparation drugs (usually progesterone and oestrogen): £200–£500
- Monitoring scans: £200–£400 (or included in FET fee)
Contingency and total
Add a 15–20% contingency for extra consultations, medication changes, cancelled cycles, courier fees for drugs and time off work.
Working formula: (one-time costs) + (per-cycle costs × planned cycles) + (FET costs × expected transfers) + contingency.
Download the Cairn budget template (CSV), replace its figures with the ones on your own quotes, and the totals and running balance are worked out for you.
Download templateSources
- CMA, Fertility treatment: a guide to your consumer rights (10 June 2021) (opens in a new tab)
- HFEA, Intracytoplasmic sperm injection (ICSI) (opens in a new tab)
- HFEA, Getting emotional support (opens in a new tab)
- London Sperm Bank, sample types and prices (read September 2026) (opens in a new tab)
- European Sperm Bank, donor sperm prices (read September 2026) (opens in a new tab)
Last reviewed 13 September 2026. General information, not medical or financial advice. Your clinic and a regulated adviser can advise on your situation.