Surrogate Pay:
How Much Does a Surrogate Get Paid?
As a first-time surrogate with ConceiveAbilities, you can earn up to $75,000—higher than the national average of $45,000 – $55,000—depending on where you live and your current income.
But it’s more than just the number. Surrogacy can be a powerful way to support your family, whether you’re paying off debt, saving for a home, investing in your children’s future, or creating a financial safety net. We value your time, courage, and care. That’s why our program is designed to provide not only top-tier surrogate mother pay from the highest paying surrogacy agency in the nation, but also the safety, stability, and support you deserve on your surrogacy journey.
Curious what you could earn as a surrogate? Our personalized pay calculator below outlines the details of how surrogate pay is calculated, the timeline for when you can expect surrogacy payments and what’s included in your compensation package.
Surrogate Mother Pay Calculator
Surrogate Mother Pay Calculator
We are transparent about our surrogate compensation. Find out what your estimated surrogate pay would be based on your location, whether or not this is your first-time or repeat time being a surrogate, and if you’re currently working.
The amount shown in this calculator includes an additional $10,000 in base compensation for a limited time, effective for all applicants as of November 2024. If you have any questions, please contact us or speak with your surrogate engagement advisor or coordinator.
How Are Surrogates Paid?
Surrogates with ConceiveAbilities are paid generously, reliably, and transparently, starting before the pregnancy begins. What you make as a surrogate with ConceiveAbilities is structured into monthly surrogacy payments, packaged in a way that gives you the freedom to plan ahead for you and your family. Our surrogates tell us they appreciate the empowerment and control this brings to their life.
ConceiveAbilities Surrogate Compensation
Example: an experienced surrogate who lives and works in Chicago will earn $75,000, at minimum, in base compensation as a surrogate with ConceiveAbilities, which includes a $10,000 bonus
Pre-Pregnancy
($6,000)
Pregnancy
($8,250/month)
8 monthly payments
Post-Birth Recovery
($3,000)
Surrogate Payment Details
Our All-In Surrogate Care and Compensation Package includes comprehensive legal support, medical coverage, life insurance, and more. It is thoughtfully designed to recognize your dedication and ensure your financial security throughout the journey so you can focus on what matters most: taking care of yourself, the baby you are carrying, and your family. In addition to these benefits, here is a breakdown of how much surrogates make.
Surrogate Payment Details
$75,000 (e.g., surrogate lives and works in Chicago)
Pre-Pregnancy Payment
Includes payments at different stages of the process:
$6,000
Your payment for undergoing medical screening
To be used at your discretion; travel and incidentals covered separately
$1,500
Your payment for receiving IVF injectable medications
Medical cost of injections covered separately
$2,000 per cycle
Your payment for the embryo transfer
To be used at your discretion; travel, medical costs and incidentals are covered separately
$2,500 per transfer
Pregnancy Payments
Consists of eight (8) monthly payments, after confirmation of heartbeat via ultrasound.
Varies based on your zip code, experience and, income.
Your payments during pregnancy
To be used at your discretion (maternity clothes, childcare, housekeeping, vitamins, etc.)
$8,250 per month
8 months
Fully earned at 32 weeks
Post-Birth Recovery Payment
$3,000+
Post-birth payment
Intended to cover lost wages during your pregnancy
$3,000
(more if your wages are higher)
Additional Earning Potential
In addition to base compensation and bonus
Varies
Wages Support and Recovery Program
Intended to cover potential lost wages and added childcare and household expenses at any time there is a medical issue during your surrogacy journey
Up to $30,000 of coverage
Other necessary medical procedures
Example: C-section = $2,500,
Blood Transfusion = $500 per procedure, and so on
Varies based on procedure
Pumping breastmilk post-pregnancy
$350/week
Want to see your potential pay?
Try our surrogate pay calculator.
Surrogacy Compensation by State
Surrogate compensation varies by state due to different regulations about the type of family a surrogate can carry for, among other factors. Your zip code also plays a role in surrogate compensation based on demand for surrogates in your area.
States that offer more options for surrogacy have higher overall compensation packages than states with more restrictive regulations.
You can view your potential surrogacy compensation by using our calculator and reading more about surrogacy laws in your home state.
Surrogacy Compensation Package
With almost 30 years of experience, you can trust we are the best and highest paying surrogacy agency for you and any woman considering becoming a gestational surrogate. Our surrogacy compensation package includes:
Matching Matters
Our Matching Matters® promise. Once potential surrogates go through our qualification process, our team ensures we match them with their perfect intended parents
Surrogate Pay
A straight-forward, no-surprises financial package created to prevent hassles (e.g. not having to submit receipts) and provide the right amount of compensation for you
Life Simplicity Promise™
Our Life Simplicity Promise™, which includes legal guidance through the duration of your surrogacy journey to ensure fair and valid contractual terms between you and your intended parents
Medical Expense Coverage
Comprehensive, direct coverage of your medical expenses from the start of medication through delivery, with no out-of-pocket expenses, ensuring ease and peace of mind for you and your family throughout your surrogacy journey
Shared Decision Framework (Intended Parents & Surrogates)
Our Shared Decision framework, which provides guidance for surrogates to be equal partners with their intended parents in important decisions and the overall surrogacy experience
Step-by-Step IVF Roadmap
An organized calendar and step-by-step roadmap to manage and prepare you for the activities associated with embryo transfer through In Vitro Fertilization (“IVF”)
What Surrogates Have to Say
Others have stood where you are now—curious, hopeful, and ready to help. Hear firsthand from surrogates who partnered with ConceiveAbilities to make parenthood possible for families across the country.
I had such an amazing experience working with ConceiveAbilities throughout my surrogacy journey. When I first applied, I was somewhat nervous and had no idea what I was doing. They were so welcoming and answered all of my questions and were extremely informative. I went into the journey feeling nothing but excitement.- Jessica, California Surrogate
I’ve had an incredible experience with ConceiveAbilities as a GC. From the very beginning, they have been supportive, communicative, organized, and attentive to every question I’ve had. Their team consistently anticipates any questions and provides as much detail as I could need, making me feel fully informed and confident at every step. Transparency has been a standout quality of theirs, and I’ve always felt valued and important throughout the process.- Amanda, Georgia Surrogate
This whole experience has been life transforming in the best way imaginable. As a surrogate, I had many questions and concerns walking into this journey and I have been met with open communication, honesty, and so much support. 10/10.- Kristy, North Carolina Surrogate
How Much Could You Earn as a Surrogate?
Use our calculator to see your personalized estimate based on location and experience.
Still Have Questions About Paid Surrogacy?
Now that you know about surrogate pay, we hope you’ll explore the process of becoming a surrogate with ConceiveAbilities. Understand the greater purpose and drive for choosing to become a surrogate, what to expect when you partner with a surrogacy agency like ConceiveAbilities, requirements to qualify for surrogacy, and more.
Find a Location Near You
FAQs About Surrogate Pay
Surrogate Compensation Basics
How much does the average surrogate get paid?
First-time surrogates can earn up to $75,000, depending on factors like location, experience, and personal circumstances. Use our surrogate pay calculator to estimate your compensation.
Does surrogate pay change depending on where a surrogate lives?
Yes. Surrogates in high-demand areas in states that offer more regulatory flexibility for surrogacy often earn more.
How quickly do I start receiving payments as a surrogate?
With ConceiveAbilities, you’ll start receiving payments before pregnancy begins. Our payment schedule is structured into pre-pregnancy, pregnancy, and post-pregnancy phases. Initial payments begin during your medical screening.
How much do surrogates get paid for a sibling journey or if they’ve done it before?
Repeat surrogates earn $5,000 in higher base compensation for their experience.
How does surrogacy compensation help moms financially—do I receive it in installments?
Yes. Surrogates get paid monthly throughout the journey, with a first-time payment beginning at the time of your medical workup at your intended parents’ IVF clinic, additional payments before pregnancy, then moving into monthly payments once pregnancy is confirmed, with full compensation earned by 32 weeks, and additional payments as part of your postpartum recovery.
Can surrogacy compensation help me cut back on shifts during pregnancy?
Yes. Your base compensation allows flexibility so you can reduce work hours or take time off. If you encounter a medical issue at any time during your surrogacy journey, our Wage Support and Recovery Program provides you additional assistance, up to $30,000 per journey.
Taxes & Financial Considerations
Is surrogate compensation taxable?
ConceiveAbilities does not issue 1099s to surrogates. Please consult your tax professional.
Do surrogates have to report income to the IRS?
We recommend speaking with a tax advisor for personalized advice.
Does ConceiveAbilities issue 1099s to surrogates for her surrogate compensation?
No. We do not issue 1099s. Talk with a tax expert for guidance.
How much does a surrogate usually get paid, and is it taxed?
Surrogates can earn up to $75,000 and tax status varies by situation. Consult a tax advisor for accurate information.
Will surrogacy compensation impact my pension or retirement plan?
Any compensation could change your pension plan or retirement plan qualifications. It’s best to check with your plan provider to be sure.
Before & During Pregnancy
Do surrogates get paid if they do not get pregnant?
Yes. You begin receiving compensation for medical screening, starting IVF medications, and embryo transfer, even before pregnancy is confirmed.
Do surrogates get paid if the pregnancy ends before delivery?
Yes. You are compensated for the time and effort invested. Full base pay is earned by 32 weeks.
Will I have to travel for embryo transfer, and who covers travel expenses?
Yes, travel is sometimes necessary. All travel costs are covered by ConceiveAbilities.
Do surrogates have to pay for travel?
No. All required travel is covered and does not come out of your compensation. Further, we provide dedicated travel support to ensure your travel is as easy and convenient as possible.
After Birth: Breast Milk & Postpartum Support
Do surrogates get paid to pump breast milk for intended parents?
Yes. If you and your intended parents agree that you will provide breast milk for the intended parents’ baby, you’ll be compensated for pumping. If the parents decline, you may choose to donate breast milk which may provide you with additional compensation..
Will pumping to donate milk during pregnancy be allowed or compensated?
No. Pumping during pregnancy is not advised. Post-birth pumping may be compensated, depending on to whom you are providing the breast milk.
Insurance, Medical Bills & Out-of-Pocket Costs
Is a surrogate liable for any hospital bills?
No. All medical costs related to surrogacy are covered by ConceiveAbilities
Do surrogates have any out-of-pocket expenses?
Our compensation package is designed to minimize any out-of-pocket costs and generally does not require receipts. You are required to maintain your own primary health insurance during your surrogacy journey.
Who will cover the costs associated with my surrogate pregnancy?
Costs are covered by ConceiveAbilities through your All-In Surrogate Care & Compensation Package, including your surrogacy medical expenses for obstetric care and delivery.
Do I need my own health insurance or do the intended parents provide it?
Yes, you need your own primary health insurance by the time you enter the matching process. We work with you to assist you in obtaining health insurance, should you not have it. For surrogacy-related medical expenses, we work with you to maximize your insurance benefits, however, we fund directly all of your uncovered medical expenses related to your surrogacy journey. You have no middle-man to deal with, nor potential for denials or exclusions as a surrogate; once you are in our program, 100% of your medical expenses associated with being a surrogate are covered.
How does surrogacy work with insurance?
We offer a dedicated team to directly cover any medical expenses associated with being a surrogate, covering everything from screening through postpartum recovery. We work with you to maximize any existing relevant coverage you may have.
Does my hospital’s insurance policy consider surrogacy an elective procedure?
Hospitals have different policies about what procedures are considered elective. Regardless of what hospital you are seen by or deliver at, ConceiveAbilities provides dedicated medical experts and direct payment to ensure that 100% of your medical expenses as a surrogate are covered. No insurance middlemen, denials, or exclusions.
What types of costs are covered by insurance vs paid by intended parents?
Your primary health insurance covers your normal non-surrogacy medical expenses based on your plan, however, all surrogate-related medical expenses are funded directly by ConceiveAbilities. Your intended parents play no direct role in paying for your medical bills.
Legal & Financial Structure
What contract specifies the financial obligations and responsibilities of all parties?
The Gestational Carrier Agreement (GCA) details all responsibilities, expectations, and payments between you and your intended parents.
What is a surrogacy escrow?
A financial account funded by the intended parents to securely hold and manage all payments related to the surrogacy journey.
Who manages and makes payments from my surrogate escrow account?
Your Match Experience Team and Finance Team at ConceiveAbilities coordinate all payments, so you don’t have to manage them yourself.
Referral Bonuses & Community Support
I know a woman who would be a great surrogate. Can I earn money by referring her as a surrogate?
Yes. You can earn up to $650 for every successful referral, plus your friend earns bonuses too. Referral payments are unlimited.
How do surrogates handle questions about surrogate mother pay?
Many surrogates prefer to keep details private. Our peer groups, support forums, and educational resources help you navigate these conversations.
What bonuses are available for experienced surrogates?
Repeat surrogates are eligible for $5,000 more money added to their base compensation.
Additional Resources
Surrogate Research
Surrogacy Learning Center
Everything You Need to Know About Surrogacy
ConceiveAbilities YouTube Channel
All Things Conceivable: A Surrogacy Podcast with Nazca Fontes
Printable Resources
Review our resources on money matters and our monthly care package guide as you and your family learn about surrogacy together and if it’s the right fit for you.