IVF on a Budget: Can You Reduce Costs Without Reducing Your Chances?
The cost of IVF can feel overwhelming — especially if you’re self-funding. But are there ways to reduce expenses without affecting your chances of success? In this blog, we explore practical ways to make IVF more affordable in the UK while still getting high-quality care.
Start with price transparency Not all clinics are upfront about costs. Always request an itemised quote. Understand:
- What’s included in the cycle price
- Which procedures are considered add-ons
- Whether medication is covered or separate
Choose a clinic wisely Prices vary significantly between clinics. London clinics tend to be more expensive, while regional clinics may offer the same success rates for less.
- Look for clinics with high success rates for your age group
- Consider satellite clinics if travel is a factor
Use NHS funding if eligible Check your local CCG guidelines. Even if you don’t qualify for a full round, you might get funding for consultations or diagnostic tests, saving hundreds.
Consider mild or natural IVF These are lower-stimulation protocols that use fewer drugs:
- Mild IVF: £3,000 – £5,000
- Natural IVF: £2,500 – £4,500
They have lower success rates per cycle but can work well for younger patients or those with good egg reserves.
Use frozen embryos when possible A frozen embryo transfer (FET) costs much less than a fresh cycle:
- FET: £1,200 – £2,000
- Fresh IVF: £5,000 – £8,000
If your first cycle creates extra embryos, freezing and using them later can be a cost-saving option.
Avoid unnecessary add-ons Only pay for optional treatments (e.g., PGT-A, embryo glue, time-lapse imaging) if there’s a medical reason. Many add-ons have limited evidence and high costs.
Explore multi-cycle packages Paying for multiple rounds in advance can save money per cycle:
- 2-cycle deals: Save 10–15%
- 3-cycle packages: Save 15–20%
- Refund programmes: Pay more upfront, but reclaim a portion if no live birth
Ask about payment plans or fertility loans Many clinics partner with finance providers. Ask about interest rates, fees, and repayment terms.
Lifestyle support that costs less but boosts outcomes:
- Nutrition and supplements
- Acupuncture or relaxation therapies
- Tracking ovulation and menstrual health
Real-life example: Emma and Liam saved ÂŁ3,000 on their IVF journey by:
- Using a clinic outside London
- Choosing mild IVF
- Using frozen embryos in cycle 2
- Declining add-ons without proven benefits
Final thoughts: It is absolutely possible to do IVF on a budget. With smart clinic selection, planning, and evidence-based decision-making, you can reduce what you spend without compromising your outcome.
