Surrogacy Loan Calculator

Planning for surrogacy involves understanding both the medical journey and the financial commitment. Our surrogacy loan calculator helps you estimate the total costs and create a realistic financing plan.

What Costs Are Included?

Surrogacy involves several key expense categories:

• Agency fees cover matching, screening, and coordination services
• Medical costs include IVF procedures, monitoring, and delivery expenses
• Surrogate compensation provides for the surrogate's time, effort, and expenses
• Legal fees cover contracts, parentage establishment, and other legal requirements
• Insurance costs address health coverage gaps and liability protection
• Miscellaneous expenses include travel, contingencies, and unexpected costs

How the Loan Calculation Works

The calculator uses the standard amortizing loan formula to determine your monthly payment:

PMT = (r × P) / (1 - (1 + r)^-n)

Where:

• PMT = Monthly payment
• r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
• P = Principal loan amount (total cost minus down payment)
• n = Total number of payments (loan term in years × 12)

Example Calculation

Let's consider a typical scenario with a total surrogacy cost of $120,000, a 7.5% annual interest rate, and a 5-year loan term:

• Monthly interest rate = 7.5 ÷ 12 ÷ 100 = 0.00625
• Number of payments = 5 × 12 = 60
• Monthly payment = (0.00625 × 120,000) ÷ (1 - (1 + 0.00625)^-60) ≈ $2,405.64
• Total payment over 5 years = $2,405.64 × 60 = $144,338.40
• Total interest paid = $144,338.40 - $120,000 = $24,338.40

Making Informed Decisions

When planning your surrogacy financing, consider:

• Down payment: A larger down payment reduces your loan amount and total interest
• Loan term: Shorter terms mean higher monthly payments but less total interest
• Interest rates: Shop around for the best rates, as even small differences can significantly impact total cost

Remember that these calculations provide estimates for planning purposes. Actual costs may vary based on your specific situation, location, and medical requirements. Our surrogacy financing calculator gives you a starting point for discussions with financial advisors and surrogacy professionals.