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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 pay based on your status and location. Earn up to $60,000!

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You’ll receive $46,850 or more.

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

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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 below 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!

 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 above to see how much you could earn as a surrogate in your state.
Payments before you are pregnant. You will be compensated early in your journey for completing tasks and milestones. These payments are in addition to your base compensation.
Payments during and after pregnancy. Surrogate mothers also receive financial support for necessities during the pregnancy, such as maternity clothing, housekeeping, for pumping and shipping breast milk and more.
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.

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

How much does a surrogate make?

Surrogate base compensation

Gestational surrogates are paid for carrying a baby for someone. This compensation is often called a "surrogate base compensation" or "surrogate payment".

At Circle Surrogacy, base compensation can range from $30,000-$40,000, depending on where the surrogate lives, the surrogacy agency and whether or not the surrogate has insurance. As a surrogate, you will be paid your base compensation PLUS additional payments for milestones along your journey, up to $60,000.

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.

You can calculate your base compensation at Circle Surrogacy with the calculator above. Remember, you will also receive additional payments and benefits in addition to the number you see.

 Get paid $3,450 before you're even pregnant.

Get paid $3,450 before you're even pregnant.

You'll have many milestones as a surrogate on your journey before you even get to the embryo transfer, such as completing your surrogate application and screening, signing your contract and beginning your medications.

The below payments and benefits are given to surrogates before they are even pregnant.

  • $1,000 Signing Payment
  • $500 Medical Screening Payment
  • $1,000 Medical Clearance to Transfer
  • Paid travel expenses to IVF clinics, plus lost wages or childcare added to your base fee
  • $200/mo for Miscellaneous expenses when you begin cycle medications added to your base fee
  • $750 per transfer added to your base compensation
  • $3,450 in total monetary benefits before pregnancy
 Surrogate pay during and after pregnancy.

Surrogate pay during and after pregnancy.

As you progress on your surrogacy journey, you'll be paid additional payments. Below is a list of payments a surrogate receives during her pregnancy.

  • $30,000-$40,000 base fee, paid over 9 months Your base compensation is paid in 9 monthly installments, beginning with the confirmation of pregnancy at 6 weeks. Calculate your base fee with our calculator above.
  • $200/month Miscellaneous Payment ($3,000+ total) This monthly payment is for our surrogates to use as they see fit during their pregnancy: housekeeping, childcare, dog walking...whatever makes their lives easier!
  • $500 (singleton) or $750 (multiples) for maternity clothing
  • $400 for housekeeping during last month of pregnancy
  • $1,200 (vaginal delivery) or $2,400 (C-section)
  • Social work support throughout the journey
  • Independent legal counsel
  • Complications insurance
  • $250,000 Life Insurance Policy
  • Medical and financial billing assistance
 Surrogacy announcement on letterboard

Additional payments surrogate mothers may receive.

Surrogate mothers will also be compensated should anything arise in the surrogacy journey that is above and beyond her regular pay and benefits. This can include anything from having to complete a mock cycle, an invasive procedure or carrying twins.
  • $5,000 for carrying multiples
  • $250 for a mock cycle Sometimes the fertility doctors will recommend a surrogate do a mock cycle to see how her body reacts to the medications.
  • $500 for a cancelled cycle
  • $1,000 pregnancy termination
  • $1,000 for selective reduction
  • $500 for invasive procedure
  • $2,500 for a Caesarean section
  • $3,000 reproductive organ loss
  • Weekly compensation for doctor-ordered bed rest
 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.

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.

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 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!