Surrogate Compensation Calculator

See your full compensation breakdown — base pay, monthly allowance, lost wages & more.

How Much Could You Earn as a Surrogate?

Based on your location, experience & prior births

Full Breakdown

What's Included in Surrogate Pay

Surrogate compensation is more than just base pay — here's everything you can expect.

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Base Compensation

Your primary payment for carrying the pregnancy. $40,000–$80,000 depending on state and experience.

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Monthly Allowance

$3,000–$6,000/month throughout the pregnancy for food, transportation, and miscellaneous expenses.

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Maternity Clothing

$1,000–$2,000 allowance for maternity clothing throughout the pregnancy.

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Lost Wages

$3,000–$10,000 reimbursement for time missed from work due to appointments or recovery.

Additional benefits may include life insurance, legal fees, travel reimbursement, and more — varies by agency.

The Process

How Surrogacy Works

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Apply & Get Matched

Submit your application. We match you with top agencies in your state within 48 hours. Phone screening typically happens within 1 week.

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Medical & Psychological Evaluation

Comprehensive health screening, psychological evaluation, and background check — all coordinated and paid for by the agency.

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Match with Intended Parents

You'll review profiles and meet with potential intended parents. You always have the right to say no to any match.

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Embryo Transfer & Pregnancy

After legal contracts are signed, the embryo transfer takes place. Monthly compensation begins immediately.

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Delivery & Final Payment

Remaining compensation is disbursed around delivery. Post-delivery allowances continue for up to 6 weeks.

FAQ

Surrogate FAQs

Do I need to have had children to be a surrogate?

Yes. Most agencies require surrogates to have previously given birth to at least one child whom they are currently parenting. This requirement ensures you understand the physical and emotional aspects of pregnancy and childbirth.

Is surrogate compensation taxable?

The taxability of surrogate compensation varies by jurisdiction and circumstance. Some tax professionals argue it's not taxable income; others disagree. We strongly recommend consulting a tax professional experienced in surrogacy compensation before filing.

How long does the surrogacy process take?

From initial application to birth, the surrogacy process typically takes 18–24 months. This includes screening and matching (3–6 months), legal contracts (1–2 months), embryo transfer preparation (1–2 months), and the pregnancy itself (9 months).

What are the basic surrogate requirements?

Most agencies require surrogates to be: 21–40 years old, have had at least one prior birth with no major complications, be non-smokers, have a BMI under 32, be financially stable (not receiving government assistance), and pass psychological and medical evaluations. Requirements vary by agency.