Egg freezing: cost, eggs needed, and success by age
Freezing eggs buys time, but the odds are set by the age you do it and the number you bank. Here is what a cycle really costs, how many eggs you need at your age, and how the process works.
- Re-checked monthly · checked Nov 2, 2026
Egg freezing collects and flash-freezes your eggs in a single stimulation-and-retrieval cycle, to use later through IVF. It typically costs $10,000–$20,000 all-in per cycle. How many eggs you need depends on age: about 15 to 20 mature eggs under 38 for roughly a 75% chance of one live birth, and more at older ages. The single biggest factor in success is the age you freeze, not the number, so earlier is far more effective than more.
How much does it cost to freeze your eggs?
A full retrieval cycle, not a cheap add-on. Here is the all-in range and where the money goes.
Clinic fee: monitoring, retrieval, and the initial freezing.
Medications: the injectable hormones, dosed to your response.
Storage: recurs each year the eggs stay banked. What clinics post
Most people freeze over more than one cycle, especially past 35, because a single retrieval rarely banks enough eggs on its own. Budget for the real chance of a second cycle.
Want a specific clinic's number? We read every US fertility clinic's own website for the egg freezing price it posts, and what that price leaves out: every posted egg freezing price, by state.
Paying for egg freezing over time
6 lenders name egg freezing on their own pages. Lowest published rate first; check your rate with a soft credit check before you apply.
- CapexMD: 8.99% to 24.99% APR, fixed“One loan, all aspects of treatment [...] Egg freezing” source
- Future Family: 9.74% to 23.74% APR“Affordable payment plans with lower interest rates are available, with custom financing options for IVF, egg freezing, and more” source
- EggFund: a loan marketplace; its partner lenders set the rate“Whether you’re pursuing IVF, egg freezing, surrogacy, or adoption, we offer fertility loans tailored to your needs” source
- Gaia: 10% APR in its one published example (best credit); no range published“Pay a fixed cost for your egg freezing monthly over 5 years” source
- Sunfish: a loan marketplace; its partner lenders set the rate“See your loan options for IVF, egg freezing, and surrogacy” source
- United Credit: a loan marketplace; its partner lenders set the rate“In Vitro Fertilization (IVF), Artificial Insemination (AI), Intrauterine Insemination (IUI), Donor eggs, Surrogacy, Egg freezing, Fertility drugs, Private adoption” source
Every fertility lender's published rates, side by side
Which lenders US fertility clinics use, and the 0% offers to read twice
Egg freezing cost by city
What the clinics in 36 US metro areas post for egg freezing on their own websites, each price with what it covers. The figure is how many of the area's clinics post one.
How many eggs should you freeze?
Enough for a good chance of one live birth, and that number climbs with age. From the peer-reviewed Goldman counseling model.
- Under 3815 to 20 eggsabout 75%. Younger eggs are both more likely to survive the thaw and more likely to become a healthy embryo, so fewer are needed.
- 38 to 4025 to 30 eggsabout 70%. More eggs are needed for a similar chance, which often means more than one retrieval cycle.
- Over 4030 or more eggsup to about 50%. Efficiency falls sharply: even 30 stored eggs reach at most roughly a 50% chance, and the ceiling keeps dropping with each year. Freezing earlier is far more effective than freezing more.
Two things drive these numbers. Modern vitrification thaws about 90% of eggs successfully, and the rest is age: The age at freezing and the number of eggs stored are the key factors, and age is the one you cannot get back: a cycle at 32 banks eggs that are worth far more than the same number frozen at 40.
Test your AMH yourself
How many eggs one cycle collects depends on your egg supply, which an AMH test estimates: clinics use it to set the drug dose and to judge how many cycles you may need. It says nothing about egg quality (AMH levels by age). A finger-prick kit at home, or a blood test you order online and have drawn at a lab, measures the same hormone a clinic does and sends the result to you, cheapest first. A clinic will usually test it again before planning treatment.
- Labcorp AMH blood test (Practitioner Depot)AMH (anti-Mullerian hormone) blood test ordered online and drawn at a Labcorp patient service center$49.49 one-timePractitioner DepotPartner
- FullWell Fertility Testat-home finger-prick hormone panel (AMH, FSH, estradiol, TSH, vitamin D) with lab report$86 one-timeFullWell
- myLAB Box At-Home Female Fertility Testat-home finger-prick hormone panel (Estradiol, AMH, LH, Testosterone) with lab report$159 one-timemyLAB BoxPartner
- Labcorp Basic Fertility Lab Panel (Practitioner Depot)blood panel drawn at a Labcorp patient service center: AMH, FSH and LH, estradiol, total estrogens, progesterone, testosterone, DHEA-S, TSH, free T4 and free T3, and vitamin D$211.93 one-timePractitioner DepotPartner
Which hormones each kit measures, side by side: at-home female fertility tests compared.
Links marked Partner are referral links: if you buy through one, we may earn a commission at no extra cost to you. It never changes the price you pay or the data shown. How partners are handled
How egg freezing works, step by step
It is the first half of an IVF cycle: everything up to the retrieval, then the eggs are frozen instead of fertilized. About two weeks of active treatment. ASRM
- 1Ovarian stimulationgenerally 8 to 14 days
Daily injectable hormones grow multiple eggs at once, with blood tests and ultrasounds every few days to track the response and time the retrieval.
- 2Egg retrievalusually less than 30 minutes
With pain medication, the mature eggs are collected through a thin needle guided by ultrasound. Cramping on the day usually subsides by the next day, though a feeling of fullness can last for several weeks while the ovaries stay enlarged.
- 3Freezing (vitrification)same day
The mature eggs are flash-frozen and stored in liquid nitrogen. Unlike embryo freezing, the eggs are not fertilized, so no partner or donor sperm is required now.
- 4Storage until you are readyyears, if needed
Frozen eggs can wait for years with no measured decline. When you want to use them, they are thawed, fertilized, and transferred as a standard IVF cycle.
Which clinics offer egg freezing?
Almost all of them. 446 of the 447 US fertility clinics we track report offering egg freezing, so availability is rarely the deciding factor: cost, the clinic's lab quality, and how many eggs they help you bank per cycle matter more. How many eggs a cycle yields depends on your own ovarian reserve too, which you can read from AMH levels by age. Compare clinics by location and reported outcomes in our clinic directory.
Common questions about egg freezing
How much does it cost to freeze your eggs?
Egg freezing typically costs about $10,000 to $20,000 all-in for a single cycle. That breaks down into the clinic fee for monitoring, retrieval, and the initial freezing (about $3,000 to $16,500), ovarian-stimulation medications (about $3,000 to $6,000), and annual storage of about $500 to $1,000 a year. Most people need more than one cycle to bank enough eggs, especially past 35, so budget for that.
How many eggs should I freeze?
It depends heavily on your age. Under 38, freezing about 15 to 20 mature eggs gives roughly a 75% chance of at least one live birth. At 38 to 40 you need about 25 to 30 eggs for a similar chance, and over 40 even 30 eggs reaches at most about a 50% chance. Because the numbers climb with age, older patients often need more than one retrieval cycle to bank enough.
What is the best age to freeze your eggs?
As young as is practical. The age at freezing is the single biggest factor in whether frozen eggs later produce a baby, because younger eggs survive the thaw better and are more likely to become a healthy embryo. Freezing at 32 banks eggs worth far more than the same number frozen at 40, and at every age the success rate reaches a ceiling that more eggs cannot pass. Freezing earlier is more effective than freezing more.
How does egg freezing work?
Egg freezing is the front half of an IVF cycle. You take injectable hormones, generally for 8 to 14 days, to grow multiple eggs, monitored by blood tests and ultrasounds, then the mature eggs are collected in a retrieval that usually takes less than 30 minutes under sedation and are flash-frozen (vitrified) the same day. The eggs are not fertilized, so no sperm is needed at this stage. They can be stored for years and later thawed, fertilized, and transferred as a standard IVF cycle when you are ready.
Does insurance cover egg freezing?
Elective egg freezing, done to preserve fertility for the future, is usually paid out of pocket. Medical fertility preservation, for people whose treatment such as chemotherapy or radiation may cause infertility, is covered by mandate in a number of states, and a growing share of large employers now offer egg freezing as a fertility benefit. Whether your own plan pays comes down to your state and your employer.
Plan the rest
Using frozen eggs later means an IVF cycle. See the full itemized cost and real medication prices.
The thaw-and-transfer step that turns frozen eggs or embryos into a pregnancy attempt: cost, success, and timeline.
When egg freezing is covered, the states that mandate fertility preservation, and how to check your plan.
Donating eggs is a different decision from freezing your own, but the cycle is similar. What egg donor programs pay per cycle, program by program.