Skip to Content (Press Enter)


How much do surrogates make? Surrogate mother compensation & benefits.

How much a surrogate makes can vary. We understand that each surrogate is different, and our generous compensation packages are designed to be customizable and flexible. Use our form below to calculate your estimated surrogate base pay, then read below to see additional benefits and compensation. Earn up to $60,000+!

Apply Now
I live in
have health insurance.
Calculate my payment

You can receive up to $46,850 (or more!)

We're sorry we can't work with you.

First-time surrogates in high-demand states with insurance recieve a base pay of $40,000, plus the additional benefits below.

See if I Qualify for Surrogacy Recalculate My Payment

Our Surrogate Pay & Family Protection Program

Circle has the most comprehensive benefits package of any agency.

At Circle, we understand the monumental emotional, physical and mental commitment of our surrogates – and their families – bring to each and every surrogacy journey. Our compensation and benefits program was created for surrogates, by surrogates; and provides the utmost security, benefits and protection of any surrogate program.

Our new Surrogate Pay & Family Protection Program provides the following:

• Competitive Pay (your base fee plus additional benefits)
• Protection for the surrogate and her family throughout the journey
• All expenses paid, from travel to meals to gas and more
• Full transparency on what's included
• Built with surrogates and their families in mind
• Benefits you won't find at any other agency

If compensation is the only thing holding you back from applying with Circle, just chat with us about what other agencies are offering and we can match it.

We promise you'll have the best surrogacy experience with us.

 how much does a surrogate make?

How does surrogate pay work?

Your surrogate compensation is paid to you throughout the duration of your surrogacy journey. In fact, you will receive payments before you are even pregnant.

Surrogate pay includes the following:

• Base compensation. Calculate your base compensation with the calculator to see how much you could earn as a surrogate in your state.
Payments before and during your pregnancy. You will be compensated early in your journey for completing tasks and milestones, and you'll receive financial support for necessities during the pregnancy, such as maternity clothing, housekeeping, for pumping and shipping breast milk and more.
4th Trimester Care Package. We know the journey doesn't end with the baby's birth. You'll continue to receive compensation and support for months after your delivery.
Additional benefits. Surrogates will also receive benefits that while are not in the form of monetary payments, are priceless in ensuring you're protected and you have a smooth journey. These benefits include: social work support, legal counsel, life insurance and more.

How much is typical base compensation for a surrogate?

Base compensation for a first-time surrogate can be different depending on where a woman lives, whether or not she has insurance, or even which agency she is working with. Surrogate mothers can earn a base compensation of $30,000-$40,000+ as first-time gestational carriers. Some women who live in certain states may earn a higher base compensation.

Your base compensation is not the only surrogate pay women will receive. Surrogates will also be paid during their pregnancies, and receive additional benefits and payments, including lost wages, housekeeping and more. In additional to those guaranteed payments, women can earn additional compensation for things that come up specific to their journeys. In general, surrogates who earn a base compensation of $30,000-$40,000+ can earn a total compensation of $50,000-$60,000+ with the added benefits and payments.

Ready to apply?Fill out our application to see if you qualify!

  • Circle does not offer "All In" or "Flat Rate" compensation because those programs transfer the risk to the surrogate, and don't compensate you fairly
  • All of your surrogacy expenses will be covered, as well as lost wages for your travel companion and your partner/spouse after delivery
  • If there's a benefit during your surrogacy that's important to you – but you don't see it listed – just ask!

Guaranteed Surrogate Pay & Benefits

Our Surrogate Pay & Family Protection Program

Surrogates will receive compensation and benefits from the very start of their journey, throughout the pregnancy and after the birth. Surrogates' spouse/partner/primary support person will also be cared for and paid lost wages for travel and the delivery.

Our primary goal is ensuring our surrogates receive the compensation they deserve, and their families receive the protection and support they need.

If you have any questions, please email us at: [email protected]

Our Surrogate Pay & Family Protection Program

Surrogate Base Compensation $30,000-$40,000 ($40,000-$45,000 for California)
Return carriers earn $5,000+ with each surrogacy.

Your base compensation is paid monthly in nine installments beginning with the confirmation of heartbeat, which occurs around six weeks gestation

Pre-Pregnancy Payments $3,750
This payment includes:

• Social Work Screening Advance*: $500
• Signing Advance*: $1,000
• Medical Screening Advance*: $500
• Medical Clearance to Transfer*: $1,000
• Transfer Payment: $750

*Paid from base fee
Personal and Home Care Payments $3,900
This payment includes:

• Monthly Surrogate Spending: $200/month for 15 months (estimate). Begins with cycle medications.
• Maternity Clothing: $500 (singleton)/$750 (twins)
• Housekeeping: $400
Childcare, Travel & Lost Wages $5,000+
This payment includes:

• Travel and meals for screening & transfer: $5,000 (average)
• Mileage (related to obligations under your contract such as travel for medical screening and transfers, local monitoring and OB appointments): IRS standard rate
• Childcare or Lost Wages (for surrogate) while fulfilling surrogacy contract: Varies, no cap
• Travel companion's lost wages (work missed for screening and transfer): Varies, no cap
4th Trimester Self Care Package $5,350+
At Circle, we continue to support and compensate you even after you give birth. Our 4th Trimester Self Care Package enables our surrogates to take the time needed to recover, reconnect with their families, and have funds for whatever they need post pregnancy. We even compensate your partner for lost wages during your recovery.

This payment includes:

• Post Pregnancy Flex Spending: $250/mo for 2 months
• Post Birth Recovery Lost Wages or Childcare: $2,500/$4,000 (avg) Up to 4 weeks (vaginal), up to 6 weeks (c-section)
• Partner Post Birth Recovery Wages: $150/$625 (avg) Up to 2 days (vaginal), up to 5 days (c-section)
• Family Meal Gift Card: $200
• Pumping supplies reimbursement: Up to $1,000
• Pumping payment: Up to $250/week (assumed 4 weeks)
Life Insurance, Complications Insurance and Maternity Insurance Included
Included and paid for by your Intended Parents.

Plus, these additional Benefits, Specific to YOUR Journey

Mock Cycle +$500
If the fertility clinic requires you to have a mock cycle – testing the IVF medications to ensure your body reacts – you will be compensated.
Cancelled Cycle +$500
If your cycle is cancelled for any reason, you will be compensated for your time and effort, both emotionally and physically.
Invasive Procedure +$500 per procedure
An invasive procedure could be an Amniocentesis or Chorionic Villus Sampling (CVS).
Pregnancy Termination or Selective Reduction +$1,000
Should you have to terminate or reduce the pregnancy, you will be compensated.
Bed Rest Varies, no cap
In the event your pregnancy requires bed rest, you will be compensated for lost wages or childcare.
Multiples +$5,000
A multiples pregnancy can require more from you physically and emotionally.
C-section +$2,500
If you deliver via C-section, you will be compensated.
Loss of Reproductive Organs +$5,000 partial loss, +$7,500 full loss
If the very rare instance that a you suffer a loss of reproductive organs as a surrogate, you will be compensated.
 Best surrogacy program for surrogates with our exclusive Circle Surrogate Promise.

The Circle Surrogate Promise

The Circle Surrogate Promise was created because we truly care about our carriers, and we want each of them to have the most successful and rewarding journey possible.

In the past, our carriers shared thoughts and improvements with their social workers, or during their exit interviews, and we took all of those conversations and suggestions to heart and improved on our offerings to our gestational carriers.

Guaranteed Pay, Security and Support

The Circle Surrogate Promise is a program exclusive to Circle Surrogates; no other agency can offer the same level of security and support.

Circle Surrogacy promises:

  1. Guaranteed Compensation. Circle Surrogacy financially backs their Intended Parents, so a surrogate’s escrow account is always funded to ensure she is always paid in full and on time.
  2. No medical bill liability. Circle Surrogacy takes on the liability of medical bills. We listened to our past surrogates and their frustrations with medical bills and we’ve made big changes. While we can never stop having you receive medical bills (since you are the “patient”), our new Fixed Cost programs for Intended Parents allow us to protect both the surrogates and the intended parents, and ensure all medical bills will be paid in a timely manner.
  3. $5,000 compensation, even if you leave the program. If you are accepted into our surrogate program and you are medically cleared and matched with intended parents – but you don’t achieve a pregnancy – we will compensate you for your time, energy and dedication thus far in your journey (up to $5,000 total).
  4. Empowerment in birth choices. Not every gestational carrier has the same desires when it comes to the birth of their surro baby. At Circle, our surrogates have choices for her preferred birth options, such as doula care, a hospital birth, or using a birth center with a midwife.
  5. Personalized, small agency feel, with the resources of a large agency. The first person you speak with at Circle will be an experienced carrier who guides you through the process until you are matched with intended parents, personally introducing you to your dedicated social worker and journey support team, all of whom are in house at Circle. You’ll always be supported by a Circle employee, who knows all the details about you and your journey (you’ll never have to worry about working with a third party who doesn’t even know your name!) Plus, with our expanded team, we are able to offer support groups, virtual events, one-on-one surrogate mentorship and more.

Plus these extras, only for Circle surrogates.

Benefits beyond your surrogate compensation come from working with an agency who has supported the needs of surrogates for over two decades. We have experienced gestational carriers on staff and at your disposal for questions, advice and so much more.

Connection with experienced surrogates.

You will be connected with experienced surrogates on our staff from your first moment of communication.

Surrogate meetups.

Honoring and connecting surrogates across the country to share their stories and make new friends.

Private Facebook group.

A private and safe online space for surrogates to connect and express feelings, experiences and reciprocate support.

How to compare surrogate pay between agencies

As you research surrogacy, you may find that you're seeing different surrogate pay from different agencies. Some agencies are offering way more than others – is it too good to be true?

There is more than the final dollar amount to consider when comparing agencies, and it can all be a little bit overwhelming.

Circle offers a free surrogate pay comparison analysis, done by our experienced Surrogate Advisors. Just email us and we'll set up a time to compare the compensation from multiple agencies; no commitment whatsoever!

See above for a breakdown of Circle Surrogacy surrogate pay and benefits.

Every gestational carrier who comes to us is unique. If there is something in our benefits package that doesn't work for you – or you feel something is missing – we are happy to craft a compensation package that's personalized to your circumstances.

Plus, if you find a payment or benefit at another agency that better fits what you're looking for, we'll do our best to match it!

Who pays my travel expenses?

Your intended parents cover any necessary travel expenses to your IVF clinic for the screening and transfer, including lost wages or childcare coverage.

How do I get paid as a surrogate?

Your base compensation is paid monthly in nine installments beginning with the confirmation of heartbeat, which occurs around six weeks gestation. However, you will receive compensation in the time leading up to that for transfers as well as the medical screening and signing your contract.

Does my spouse/partner get paid for missing work?

Yes! Your spouse/partner will be paid for lost wages when traveling with you for your medical screening and embryo transfer, as well as being compensation for lost wages after your delivery.

How do I become a surrogate mother?

The first step in becoming a surrogate mother is to review our list of surrogate requirements to see if you qualify to be a surrogate. If you do, you can fill out our surrogate application to start the process. If your application is accepted, an experienced surrogate from our team will reach out to you!

Common questions from surrogates.

As you consider surrogacy, you may have questions along the way. With many experienced surrogates on staff, we've helped women navigate their surrogacy journeys successfully, and have answered almost every question out there!

Who pays for all the medical bills?

Your insurance company (or the surrogate maternity insurance coverage we obtain for you and your intended parents) will pay most of the bills related to your pregnancy and delivery. If there are any additional unexpected costs, your intended parents will cover those costs. The family you choose to work with will pay for all IVF medical procedures, expenses, co-payments, and deductibles related to your surrogate pregnancy.

How are my surrogacy reimbursements dispersed?

Surrogate pay and reimbursements are divided up into equal monthly installments following the confirmation of heartbeat (around the 6-8 week mark) and paid on the first of every month. If you are carrying multiple children, a multiples fee is paid to you over the last five months. After 34 weeks, the pregnancy is considered viable (32 weeks for multiples). If you deliver before 40 weeks, you are given a lump sum for the remaining balance. The remainder of the miscellaneous fees are distributed at various times throughout the pregnancy and will be discussed in your screening.

Do I have to pay for anything related to being a surrogate mother?

The surrogacy process should never become an out of pocket expense for you. The family you match with will pay the fees outlined for you in your screening and agreed upon in the contract, while health insurance (which we’ll ensure work correctly) should cover the majority of healthcare throughout your surrogate pregnancy and birth.

Surrogacy arrangements are built to deliver both financial and emotional rewards for you, the surrogate. The Circle team is here to make sure that’s exactly happens.

Do I need to have insurance to cover surrogacy?
No. If you do have medical insurance coverage, we'll take a look at the plan to see if it is likely to cover surrogacy. If so, you may be entitled to a higher base fee. But if you don't have insurance, it's not a problem. We'll find a plan that will cover you and your intended parents will pay any associated costs.
How much life insurance does the potential family pay for?

Our coordinator works to find you a $250,000 life insurance policy. The intended parents pay the premiums; however, you choose the beneficiaries.

Why should I trust Circle to arrange my surrogate compensation?

That’s a great question. Circle is a world leader in surrogacy services, with over 25 years of experience helping families grow. We’ve also partnered with premier fertility clinic organizations and advocacy groups as part of our ongoing work to promote American surrogacy.

But most importantly, our team includes many women who have completed the surrogacy journey themselves, and we bring that wealth of experience and passion to you throughout the surrogacy process. It’s through this devotion to our work that Circle has risen to such prominence in surrogacy services. We really do think of ourselves and our parents and surrogates as one big family.

What kind of women become surrogates?

There’s a very easy answer to this question: All kinds of women embark on the surrogacy journey. The high-powered executive; the stay-at-home mom; the woman who loves how pregnancy changes her body; the woman who wants to help a gay couple build a loving family… this list goes on and on.

For many people, monetary compensation makes surrogate pregnancy possible - but it’s just one of many rewarding aspects of the surrogacy process. You’d probably be surprised at the wide-ranging and diverse reasons people become surrogates.

Of course, certain women are better equipped for the surrogacy journey. The happiest and most successful surrogates tend to be healthy, organized, informed - and have a lot of support from the people they love.

Ready to help a family and earn surrogate pay?

One of the best things about being a surrogate is that you are helping two families: yours and someone else's! You are giving them the gift of parenthood and you are earning surrogate pay that can help your own family. Surrogates have used their compensation for a variety of things, such as schooling, house remodels, their kids' education and more!