How Much Should You Save Before Starting IVF?

Planning for IVF includes more than choosing a clinic and understanding the medical process — it also means being financially prepared. But how much should you realistically save before beginning treatment? This blog breaks down typical costs, how to approach savings goals, and what to include in your pre-IVF financial plan.

The cost of a single cycle of IVF in the UK typically ranges from £5,000 to £8,000. This includes monitoring, scans, egg retrieval, fertilisation, embryo transfer, and basic aftercare. On top of this, you’ll need to factor in medication, which can cost between £1,000 and £2,000 depending on your protocol.

Add-ons like ICSI, embryo freezing, or PGT-A genetic screening may add £500 to £2,000 or more. While these are often optional, they’re sometimes recommended based on your fertility history. If you’re considering add-ons, include them in your savings plan from the start.

Non-medical costs should also be considered. These include travel to and from the clinic, time off work, possible overnight accommodation, counselling and complementary treatments like acupuncture or nutrition consultations. These can easily total £500 to £1,000 depending on your location and preferences.

Many couples also underestimate the potential need for multiple cycles. Statistically, most people require more than one round of IVF to achieve pregnancy. If you want to be financially prepared for a second cycle, aim to save between £10,000 and £15,000 upfront. Even if you only need one, the extra savings provide peace of mind and flexibility.

A sensible starting point is to set a savings target of £7,000 to £10,000 for one complete cycle including medication and incidental costs. Increase this if you know you’ll need advanced procedures or if you’re paying for services in high-cost regions such as London.

Use a dedicated savings account — ideally a high-interest or tax-free ISA — and set a monthly target that fits your budget. If you plan to start treatment in six to twelve months, divide your goal by the number of months you have and automate monthly contributions.

Some couples use a combination approach, saving enough to cover part of the treatment and financing the rest. This can help you get started sooner while keeping loan or credit card use to a minimum.

Real-life example: Emma and Luke set a savings goal of £12,000 and reached it in 14 months by cutting non-essential expenses, pausing holidays, and contributing £850 per month to a joint account. They began IVF fully funded and avoided debt altogether.

Saving for IVF is about more than covering the clinic invoice — it’s about building confidence and reducing stress throughout your journey. By setting a realistic goal, starting early, and accounting for hidden extras, you’ll be in the best possible position to begin treatment when the time feels right.