missalina Geneas price guide shows around $3800 out of pocket for a full IVF or ICSI cycle if you have PHI. It's nearly $10k up front then you get some back from both Medicare and your health fund.
That includes the whole bit - stim and transfer.
There are some extra costs on top of that for an anaesthetist (about 500) and freezing if you produce more than one good embryo (freezing is about $700 and covers you for a year).
If you do make extra embryos and freeze them and then come back for future transfer (so, if the transfer as part of your first cycle doesn't work) it's $1800 out of pocket per transfer. Again it's about $3500 up front and then you get rebates.