Planning for Parenthood: How Prenups Help Couples Prepare for Fertility and Family Planning Costs

Fertility is emotional. It’s also expensive. More couples are choosing to plan for it with legal clarity.

Whether it’s IVF, egg freezing, or adoption, building a family today requires alignment on timelines, finances, and personal boundaries. These are not questions you want to answer during a medical procedure or in the middle of a disagreement. 

Neptune Insight: In 2024, 14% of prenups created through Neptune included fertility or family planning clauses.

That’s why prenups are emerging as a smart, structured way for couples to plan ahead. And that’s exactly where Neptune can help.

Here’s how these clauses are helping couples stay prepared and aligned.

Why Fertility Clauses Are Gaining Ground

The average IVF cycle costs up to $30,000. Most people need more than one. 

Egg freezing ranges between $10,000 and $20,000, plus yearly storage fees. Adoption can cost anywhere from $20,000 to $50,000, depending on the type.

These aren’t just financial numbers. They represent real decisions that affect timelines, emotions, and relationships. A prenup lets couples align on those decisions early by addressing:

• How to split the costs of IVF, egg retrieval, or storage
• Who has the rights to embryos or genetic material if the relationship ends
• Shared views on adoption or surrogacy in the future
• Budget expectations for long-term family-building efforts

What Prenups Can Cover

A thoughtfully written prenup can include clear language around:

• Funding fertility treatments such as IVF, egg freezing, or surrogacy
• What happens to embryos, sperm, or eggs in case of separation
• Each partner’s preferences about becoming a parent in the future
• Division of family-building costs during the marriage

Why This Matters

1. You avoid ambiguity

Fertility choices are sensitive and time-bound. A prenup helps prevent last-minute confusion or legal uncertainty.

2. You set financial expectations upfront

Fertility care involves large, often recurring expenses. Clarity now keeps finances from becoming a future source of tension.

3. You respect personal boundaries

One partner might want reproductive autonomy after separation. The other might prefer to make decisions jointly. A prenup makes space for both perspectives.

Neptune Is The Smarter Way to Plan for Parenthood

A prenup cannot predict how your fertility journey will unfold. But it can ensure you have discussed the major decisions before you need to act on them. This is not just about legal protection. It is about emotional maturity, shared intention, and clear communication.

Neptune helps couples have these complex conversations with care and structure. We connect you with family law attorneys who understand fertility law and support you in building a prenup that reflects your goals.

If you’re planning for parenthood, plan for it together. Start with Neptune.