These are some of the cost to consider when ready to transition. I am sure there is enough to do an educated guess what it will cost you.

• Therapist, each month for one hour was $150 plus time off work and gas to travel 35 miles each way. Now that I have transitioned I have therapist appointments every three months which I think is a wise idea at least as in my case for one year post op. My first therapist worked on a sliding scale so I paid under $100 per session. A in between therapist I did not like charges $200 so it will vary.
• Doctor appointments and cost of lab work. It's hard to say as 99% of these fees where covered by my health plan. I do remember some were two-hundred plus every six months. Usually I paid a ten dollar co-pay to the doctor and around five to seven dollars for the lab work. Now if your insurance does not cover these fees then consider every six months you will dish out several hundred dollars for this.
• HRT medication, here it cost me four dollars for this and have not looked at what it would cost w/o health insurance.
• Electrolysis, prices vary from city to city, for example where I live it's $60 per hour while in Portland Oregon it's between $80 and $120. I recently replied to a post that I think provides good information on electrolysis. Electrolysis is one of the most tedious processes you will go through for transitioning and the most painful to many.
• Name change, in Oregon it's $110.00, Legal Zoom does it for $139, noticed California is about $600 so it can vary from state to state, Be prepared to spend a fair amount of time working with your employer who most likely will want you social security card done first. Then there is card cards (hope you don't have a lot), Macy's was horrible in that there process is not done well. How about Paypal, they are extremely easy to deal with.
• Clothing, if you are like me then out with all the old make clothing which means "shopping" which of course means $$$'s.  
• It will be tempting to go overseas for any surgery such as GRS, tracheal shave, breast augmentation but I would strongly discourage this since things can go wrong and you are left out fending for yourself. So expect to pay around $30,000 for GRS along with around $2.000 for accommodations, food tack on several hundred plus transportation which will vary dependent on rentals or cabs. I was lucky to have the hotel drive me anyplace and would even grocery shop for me.
• Marci Bowers includes the cost for your hotel room while in the hospital for surgery. This was something I was concerned about until they told me they do this. Heck the hotel room cost $252 per night.
• Airfare must be considered in the cost and getting to and from the airport. Marci Bowers supplies a limo for going to and from the airport.
• Even the little things add up such as paper towels and lubricant for dilation. Have you seen the price for KY Jelly?