What tips should I keep in mind?

Keep ALL receipts — fertility meds, copays, parking at the clinic, mileage. Travel costs for treatment (mileage, hotels, flights) are deductible. Donor egg/sperm fees and surrogacy medical costs may be deductible.

Fertility Tax Deduction Calculator

Calculate tax deductions and credits for fertility treatments, adoption, and medical expenses exceeding 7.5% of AGI.

Adjusted Gross Income ($)(Your AGI from tax return)

Fertility Treatment Costs ($)(IVF, IUI, medications, etc.)

Other Medical Expenses ($)(Deductibles, copays, prescriptions, etc.)

Insurance Reimbursements ($)(Amount already paid by insurance)

Filing Status(How you file taxes)

Marginal Tax Bracket (%)(Federal tax bracket)

State Tax Rate (%)(State income tax rate)

Results

Visualization

How It Works

IRS allows deducting medical expenses exceeding 7.5% of AGI, including IVF, IUI, medications, and fertility-related travel. You must itemize to claim this deduction.

The Formula

Deductible = Total Unreimbursed Medical - (AGI × 7.5%)

Tax Savings = Deductible Amount × (Federal Rate + State Rate)

Variables

AGI — Adjusted Gross Income — your income after above-the-line deductions
7.5% — IRS threshold — only expenses ABOVE this amount are deductible

Worked Example

$100K AGI, $20K fertility + $3K other medical = $23K total. 7.5% threshold = $7,500. Deductible: $15,500. At 29% combined rate: $4,495 saved.

Practical Tips

Keep ALL receipts — fertility meds, copays, parking at the clinic, mileage.
Travel costs for treatment (mileage, hotels, flights) are deductible.
Donor egg/sperm fees and surrogacy medical costs may be deductible.
Bunch medical expenses into one tax year to exceed the 7.5% threshold.
HSA and FSA contributions reduce your tax burden separately from itemized deductions.

Last updated: March 15, 2026 · Reviewed by the FertilityCalcs Editorial Team