IVF Cost Calculator NZ

Go beyond a single-cycle quote: explore repeat egg collections, embryo transfers and optional testing, with a time allowance and published cumulative live-birth data in one tool.

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Planning for IVF can mean looking beyond the price of one cycle. This IVF cost calculator for New Zealand lets you explore how a budget changes with the number of egg collections, possible embryo transfers and optional procedures such as ICSI or genetic testing.

Choose a scenario, adjust the fees to match your clinic’s quote, and see an illustrative cost breakdown in New Zealand dollars. You can also explore published Australian and New Zealand outcomes alongside your budget. These are group results, not a prediction of your own chances.

Want to understand clinic fees first? Read our guide to IVF prices in Auckland and what treatment quotes include.

How to use the IVF cost calculator

  1. Start with the information you have. Enter the age at egg collection. Add your AMH if known, choose the study reference as an example, or use an egg-number estimate from your clinic or a previous collection.
  2. Choose your treatment scenario. Explore the embryo stages and any ICSI or genetic testing your clinic has discussed with you. The default percentages are illustrations you can change.
  3. Set your budget. Choose how many complete IVF cycles to allow for, open the clinic-fee settings and replace the examples with your own quoted fees.

About the starting fees: The calculator uses examples from one Fertility Associates fee schedule, effective 15 July 2026. They are not an average across New Zealand clinics. Ask your provider for a current itemised quote.

Dr Vitalis Acupuncture · Educational planning tool

Explore your IVF treatment budget

How do costs grow across IVF attempts, and what do studies actually show about the chance of at least one live birth? Adjust the stages below with all medical terms explained. See our research sources and methods.
A note of care: The outcome here is at least one live birth, not a pregnancy test. The published cumulative percentages are group averages, not individual predictions. A 95% live-birth target cannot reliably be converted into a guaranteed number of treatments.

1. Start with what you know

Start with your age. If you do not know your AMH, leave it blank or choose the study reference shown beside the field.

Age is linked to egg quality and IVF outcomes. For embryos created earlier, use the age at egg collection.

AMH unknown? Enter your age to see a study reference value.

AMH (anti-Müllerian hormone) is a blood test that helps estimate how many eggs may respond to stimulation. It does not measure egg quality. Zero may mean below the lab's detection limit.

A simple what-if adjustment (65%, 100% or 135% of the base estimate), not measured luck or a probability distribution.

2. Fertilisation and embryo testing

These options change the scenario and/or the cost. Terms are explained alongside them.

Sperm count, motility (movement) and morphology (shape) can influence treatment choices. We don't invent a success-rate penalty from this selection.

ICSI stands for intracytoplasmic sperm injection. It can help with some sperm-related fertilisation problems. It is not automatically better for everyone.

PGT means preimplantation genetic testing, performed on embryos before transfer. PGT-A looks for chromosome-number differences; PGT-M tests for a known single-gene condition. PGD is an older term often used for genetic diagnosis.

3. What happens to the eggs?

An IVF cycle has several stages. The percentages below are editable examples, not personalised medical estimates. Changing any percentage changes the embryo pathway immediately.

Adjust maturation, fertilisation and embryo development

The “challenging / middle / favourable” choices set the percentage shown. You can then move the slider to use your own figure. These percentages are teaching scenarios, not observed rates from a study and must not be interpreted as your personal chance. Read about the assumptions.

4. Pregnancy and live birth

A clinical pregnancy usually means a pregnancy confirmed by ultrasound. A live birth means a baby is born alive. These are different outcomes; neither is a promise of a full-term pregnancy.

5. What might treatment cost?

The published evidence does not establish how many collections or transfers will lead to a 95% chance of a live birth. Instead, choose how many complete IVF cycles you want to budget for, and we'll update the illustrative costs and embryo availability.

A complete IVF cycle includes one ovarian stimulation/egg collection and subsequent fresh or frozen embryo transfers from that collection. Budgeting for several cycles is not a recommendation to undergo them.

View or change clinic fees (NZ$)

Default fees are taken from the Fertility Associates New Zealand schedule effective 15 July 2026, with a mid-range medication fee. Actual packages and transfer fees vary. Every complete cycle may involve zero, one or more embryo transfers. The illustration excludes some possible charges. Confirm fees with the provider.

Updates as you make changes

Your illustrated IVF pathway

These are arithmetic illustrations per completed egg collection, not expected patient outcomes. A cycle can be cancelled, and actual results are whole numbers, including zero. How egg estimates are made.

—Eggs per completed collection · illustration
—Embryos available for transfer · illustration

What does the research say about a 95% live-birth goal?

Published Australian and New Zealand results for people starting treatment with their own eggs. Live birth means one or more babies born alive.

—Egg-collection cycles needed for 95% based on evidence
—Embryo transfers needed for 95% based on evidence
—Conservative cumulative live birth after 6 cycles
—Optimistic cumulative live birth after 6 cycles

The cumulative percentages below automatically follow the number of complete cycles chosen in your budget.

Green: conservative (those stopping treatment are counted as not achieving a later birth). Gold: optimistic (assumes those stopping would have had the same chance as those continuing). Neither is your personal prognosis. Results are observational, not a schedule that guarantees success.

What do the pregnancy statistics mean?

—Clinical pregnancy per transfer
—Live birth per transfer

These are not the odds of a live birth from beginning an IVF cycle.

Your scenario budget (not a price for success)

Medication and monitoring—
Egg collections and lab work—
Embryo transfers—
ICSI, if selected—
Other fees—
Illustrative cost if all selected cycles and estimated transfers occur—

The costs beyond the invoice

Time away from work, waiting for results, medication routines, relationships, uncertainty and the emotional weight of repeated treatment may all matter. This calculator does not assign a monetary value to those experiences or imply that treatment is emotionally or financially worthwhile for everyone.

It's reasonable to ask your clinic what another attempt might cost, or to ask for time and support before making a decision.

 
Evidence and transparency

Where do the figures in this calculator come from?

We believe you should be able to check the evidence behind any number you see. Some figures come directly from published Australian and New Zealand data. Others are modelling assumptions that you can change. They are not the same kind of evidence.

Published data — observed results in a defined populationStudy-based formula — research-derived estimate that needs validationIllustration — user-adjustable scenario, not a prediction

1. Chance of at least one live birth across IVF cycles Published registry data

Source: ANZARD 2024 Annual Report (published August 2026), Tables 55–59, report pages 65–69.These percentages follow people who started treatment using their own eggs in 2021–2022, up to December 2024 or their first live birth. One complete cycle means egg stimulation/collection and any associated fresh or frozen transfers. The conservative calculation counts those who stopped as not achieving a later birth; the optimistic calculation assumes those who stopped would have outcomes like those who continued. The optimistic figure is not a confidence interval or a guaranteed upper bound.The figures are reported for age groups, not individual ages, and are not adjusted for AMH, sperm quality, your diagnosis or PGT. The number still undergoing a sixth cycle was small in some age groups, which increases uncertainty. None of the reported age groups reached a 95% cumulative live-birth estimate within six complete cycles.

2. Clinical pregnancies and live births per embryo transfer Published registry data

Source: ANZARD 2024 Annual Report, Table 12, report page 17.The calculator uses the number of clinical pregnancies and live births divided by the number of fresh embryo transfers actually performed in each age group. This is different from the probability of a live birth when beginning IVF, because some cycles do not reach embryo transfer. The registry transfer rates are disabled when PGT is selected, as fresh, untested-transfer outcomes should not automatically be applied to genetically tested embryos.

3. Number of eggs retrieved: age and AMH Research-derived estimate + illustration

Original model: Li et al., Reproductive BioMedicine Online, 2016 (615 participants in nine clinics); original paper (DOI).For ages 25–44 and AMH at least 7.14 pmol/L, the calculator illustrates the study's regression: eggs = 16.6006 − 0.1562 × age − 0.4180 × FSH + 1.4337 × AMH, where AMH is in ng/mL, FSH is in IU/L, and the calculator fixes FSH at 7.3 IU/L. It converts AMH using approximately 7.14 pmol/L per 1 ng/mL. The fixed FSH is not your measured result; this equation has not been independently validated for all populations or protocols.For AMH below 7.14 pmol/L, the tool instead uses an unvalidated, low-response illustration informed by Kedem et al., 2013 (769 IVF cycles with low AMH). The exact interpolation is our teaching assumption, not a published formula. With very low or undetectable AMH, egg retrieval remains possible, but cancellations and low egg numbers are important considerations. At ages outside 25–44, no automatic egg number is provided. For context, see ASRM guidance on ovarian reserve: AMH is better at estimating egg quantity than egg quality or live-birth probability.

Age-based AMH reference Study median, optional example

If AMH is unknown, the value beside the field is the median for that exact age from Aslan et al., 2025, Table 1, a Turkish hospital cohort of 22,920 AMH results at ages 18–45. The median is the middle result, not the arithmetic mean. Values are converted from ng/mL to pmol/L using 7.14 and rounded to one decimal place.

This is not a New Zealand population average or an estimate of your measured AMH. Results vary between people, populations and laboratory assays. The reference is never applied automatically: choose it only to explore an example scenario. No reference is extrapolated above age 45. AMH-dependent outputs remain incomplete while AMH is unknown unless you supply a clinic egg estimate.

4. Egg maturity, fertilisation, blastocysts and genetic testing Illustrative assumptions

The starting values for egg maturity, normal fertilisation, blastocyst development and embryo suitability—and the challenging/middle/favourable presets—are editable teaching values, not personalised or clinically validated probabilities. The slider percentages are multiplied to show how fewer embryos can remain at successive stages; the resulting decimal numbers are mathematical averages, not literal fractions of an embryo.PGT-A (testing for chromosome-number differences) and PGT-M (testing for a specified inherited condition) can reduce the number of embryos considered suitable for transfer. The tool's initial PGT percentages are also illustrative, not published predictions for a given person. It does not assume that testing raises the overall probability of live birth. Read HFEA guidance on PGT-A and HFEA's explanation of ICSI.

5. Treatment costs in New Zealand Published clinic fee schedule

Source: Fertility Associates fee schedule, effective 15 July 2026 (all amounts NZD, GST inclusive). Defaults include medication/monitoring at $5,380 (the published "Mid" band), egg collection/laboratory work at $8,220, embryo transfer at $3,225, an optional ICSI fee of $3,430 per collection, PGT-A at $1,775 per embryo tested, and an initial consultation of $395. These are examples from one provider, not Auckland-wide averages.Other costs may apply, including special medication, anaesthesia, storage, freeze/thaw or rebiopsy procedures, further consultations and PGT-M set-up or analysis. Your total assumes the selected number of planned collections and illustrated transfers all take place; it is not an expected amount spent before achieving a baby, and actual costs may be lower or higher. A fertility clinic's personalised written quotation is the appropriate basis for financial decisions.

6. Why the calculator cannot give a reliable “95% success price”

Success here always means at least one live birth, not a positive pregnancy test. Transfers are not independent, not every retrieval produces an embryo, and many patients stop treatment for financial, medical or personal reasons. It would therefore be misleading to apply a simple repeated-coin-toss formula to calculate how many cycles or transfers are needed for a 95% chance. The tool provides a budget for chosen attempts, alongside observed age-group cumulative outcomes, rather than a claim that any particular spending will produce a baby.

Data checked: 11 November 2026. Privacy: Calculations take place in your browser; no details entered into this standalone calculator are transmitted or saved by the calculator. Important: This is an educational planning tool, not a validated individual fertility prognosis, a financial quotation or medical advice. A reproductive-medicine clinician and statistician should review its assumptions before it is used to advise individual patients.

IVF cost calculator: frequently asked questions

Does the calculator compare Auckland fertility clinics?

No. It uses editable example fees from one provider so you can explore a budget. For a discussion of published clinic prices and the questions to ask when comparing quotes, see our Auckland IVF cost guide.

What costs could be missing?

Your quote may include separate charges for storage, freezing and thawing, additional medication, anaesthesia, extra consultations or genetic-testing set-up. Packages and cancellation policies also differ. Check the calculator’s source notes and ask your clinic what is included in each fee before using a total for planning.

Does the total tell me what I will spend to have a baby?

No. It is a scenario budget for the collections and illustrated transfers selected. Treatment can stop earlier, take a different path or involve further costs. Neither the budget nor the research percentages can establish what you personally would need to spend to achieve a live birth.

Can I use this to decide which treatment to have?

The tool can help you prepare questions and compare budget scenarios. Treatment choices, your individual prognosis and whether further attempts are appropriate need a discussion with your fertility specialist.