Free tool · 3 minutes
How much of your fertility spend can you get back at tax time?
Ontario has a refundable 25% credit on up to $20,000 of fertility expenses, and Ottawa adds a separate 15% medical expense credit on top. Most patients never claim what they're owed — usually because nobody told them which receipts to keep.
Filing as
The Ontario credit can be claimed by either spouse — pick whichever has the larger share of fertility expenses on receipt. We treat household and individual the same here for estimation.
Net income (line 23600)
Used for the federal METC threshold (lesser of 3% of net income or ~$2,759). For couples claiming jointly, use the lower-earning spouse's net income to maximise the credit.
Fertility expenses paid this year
Treatment & clinic fees
IVF cycle base, IUI fees, monitoring not covered by OHIP, PGT-A, ICSI, freezing/storage — anything you paid to a fertility clinic.
Medications
Stimulation drugs, trigger shots, progesterone, etc. — receipts from your fertility pharmacy.
Travel for treatment
If you travelled at least 40 km one-way for treatment unavailable locally, certain travel costs may be eligible. Keep receipts.
Other medical expenses (METC only)
Other eligible medical expenses
Other medical expenses for the year — therapy, dental, vision, prescriptions, etc. These don't count for the Ontario credit but do count toward the federal METC.
Estimated benefit
≈ $6,863
$4,500 refundable (Ontario) + $2,363 non-refundable (federal)
Ontario Fertility Treatments Tax Credit
$4,500
25% of $18,000 eligible fertility expenses
Refundable. You get this even if you owe no tax.
Federal Medical Expense Tax Credit
$2,363
15% of $15,750 (your $18,000 of total medical expenses minus a $2,250 threshold)
Non-refundable. Reduces tax owed but doesn't increase a refund past zero.
Easy wins most patients miss
- ·Keep every fertility receipt — clinic, pharmacy, lab, even parking at the clinic if related to a treatment visit.
- ·You can claim a 12-month window ending in the tax year — not strictly the calendar year — to maximise the credit.
- ·For couples, the lower-income spouse usually maximises the METC because the income-based threshold is smaller.
- ·The Ontario credit is refundable — file even if you owe no tax.
Now find a clinic that fits your budget.
The credit makes your out-of-pocket smaller. Picking the right clinic for your situation makes it smaller still. We'll match you with the GTA clinics that line up.
This calculator is informational only and is not tax advice. Eligibility rules, credit rates, and thresholds change each tax year. Federal METC threshold and credit calculations use 2024 reference values. Always confirm current rules with a qualified tax professional or the CRA before filing.