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IVF Cost Tracker — See Where Your Money Actually Goes
Your clinic quoted a number. The final bill will be 2-3x higher. Track every rupee — medications, monitoring, procedures, freezing — so you know exactly where the money goes before the cycle ends.
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The cost gap nobody warns you about
What clinics advertise vs. what you actually pay
Every IVF clinic in India advertises a “cycle cost.” That number covers the base procedure. It does not cover the medications, monitoring, ICSI, freezing, or any of the other things that make a cycle actually work. Here's what the gap looks like.
What clinics advertise
₹80K–1.5L
“One IVF cycle cost”
What patients actually pay
₹2.5–4.5L
Patient-reported, all costs included
That's a 2-3x gap. Most couples discover it mid-cycle, when they can't stop.
What's NOT included in “cycle cost”
When a clinic says “IVF costs ₹1 lakh,” they mean the egg retrieval and embryo transfer procedure. Everything below is extra — and it adds up fast.
| Item | Cost Range | Included in Quote? |
|---|---|---|
| Medications (Gonal-F, Menopur, etc.) | ₹50,000–1,00,000 | Usually No |
| Monitoring (ultrasounds + blood work) | ₹15,000–30,000 | Sometimes |
| ICSI (intracytoplasmic sperm injection) | ₹20,000–40,000 | Usually No |
| Embryo Freezing | ₹15,000–25,000/yr | No |
| Anaesthesia | ₹5,000–15,000 | Sometimes |
| PGT-A (genetic testing) | ₹50,000–1,00,000+ | No |
Medications (Gonal-F, Menopur, etc.)
₹50,000–1,00,000
Usually NoMonitoring (ultrasounds + blood work)
₹15,000–30,000
SometimesICSI (intracytoplasmic sperm injection)
₹20,000–40,000
Usually NoEmbryo Freezing
₹15,000–25,000/yr
NoAnaesthesia
₹5,000–15,000
SometimesPGT-A (genetic testing)
₹50,000–1,00,000+
NoSource: Patient-reported data · garbhsaathi.in
IVF cost by city — advertised vs. actual
These numbers come from real patients. The “advertised” column is what clinics put on their websites. The “actual” column is what couples actually spent — including all the extras.
| City | Advertised | Actual (Patient-Reported) |
|---|---|---|
| Mumbai | ₹80K–1.5L | ₹2.8–4.5L |
| Delhi | ₹70K–1.2L | ₹2.2–4.0L |
| Bangalore | ₹80K–1.5L | ₹2.0–3.8L |
| Hyderabad | ₹60K–1.0L | ₹1.6–3.0L |
| Chennai | ₹70K–1.2L | ₹1.8–3.5L |
| Pune | ₹60K–1.0L | ₹1.5–3.0L |
Mumbai
Advertised
₹80K–1.5L
Actual
₹2.8–4.5L
Delhi
Advertised
₹70K–1.2L
Actual
₹2.2–4.0L
Bangalore
Advertised
₹80K–1.5L
Actual
₹2.0–3.8L
Hyderabad
Advertised
₹60K–1.0L
Actual
₹1.6–3.0L
Chennai
Advertised
₹70K–1.2L
Actual
₹1.8–3.5L
Pune
Advertised
₹60K–1.0L
Actual
₹1.5–3.0L
Source: Patient-reported data · garbhsaathi.in
How it works
GarbhSaathi's IVF Cost Tracker
No spreadsheet. No app download. Just message your expenses on WhatsApp as they happen. The bot does the rest.
Message your expense
Type something like "Gonal-F ₹12,000" or "monitoring scan ₹2,500". Natural language — no format required.
Bot logs it and shows your running total
Instantly see how much you've spent so far this cycle. No manual adding. No forgotten entries.
Breakdown by category
Medications. Monitoring. Procedures. Labs. The bot categorizes every expense so you can see exactly where the money is going.
Compare to city averages
See how your costs compare to what other patients in your city are paying. Know if you're being overcharged before the cycle ends.
Export your full report
Get a complete breakdown you can save, share with your partner, or use for insurance claims. Every rupee accounted for.
Your right to cost transparency
The Assisted Reproductive Technology (Regulation) Act, 2021 and the ART Rules, 2022 require clinics to be transparent about treatment costs. You have the right to know what you're paying for.
Questions to ask your clinic before starting
- What is the total estimated cost, including medications, monitoring, ICSI, and freezing?
- Are medication costs included in the quoted cycle fee?
- What is the additional cost if ICSI is required?
- What are the embryo freezing and annual storage fees?
- Is PGT-A available, and what does it cost per embryo?
- What are the costs for a frozen embryo transfer (FET) cycle?
- Are there any additional charges for anaesthesia, lab work, or consultations?
- Can I get a written itemized estimate before I start stimulation?
You can also read our detailed guides on understanding IVF costs, clinic selection, and what to ask at every appointment.
Know exactly what IVF costs you — before the bill arrives
No spreadsheet. No app. Just message your expenses on WhatsApp. The bot tracks, categorizes, and compares — so you're never surprised.
Start tracking on WhatsApp — freeMessage "track" to +91 91876 54573
Important disclaimer
GarbhSaathi is not a medical or financial advisor. The cost data presented on this page is based on patient-reported information collected through garbhsaathi.in and is intended for educational purposes only. Actual IVF costs vary significantly based on your clinic, city, diagnosis, treatment protocol, and individual response to medication. Always request a detailed, written cost estimate from your clinic before starting treatment. GarbhSaathi does not endorse, recommend, or rank any specific fertility clinic. We are financially independent and do not accept referral fees, advertising revenue, or sponsorship from clinics or pharmaceutical companies.
References to the Assisted Reproductive Technology (Regulation) Act, 2021 are for informational purposes. For legal advice regarding your rights as a patient, consult a qualified legal professional.