Does FTM top surgery generally cost less without nipples? Since part of the cost is the nipple reconstruction fee?

I agree that not doing the nipple grafts during your surgery will definitely save time in the O.R., but please consider that the nipples and areolas also have a contour that can be touched and felt. This slight elevation in the skin surface, especially in the nipple areas can make a difference. We sant to achieve as close to normal male anatomy and the areola-nipple complex is part of normal male anatomy. Certain surgeons such as myself have very affordable costs and could surely help you in getting your surgery sooner than you would expect. 

Best not to let keeping or discarding nipples (nipple areolar complexes) be a financial decision as they cannot be put back on (though they can be reconstructed or recreated somewhat by tattoo).  If you need to save longer that would be the best thought.  If you really do not want them put back on they can be left off.  

I would caution you against having surgery with no nipples, and I personally would not agree to do this. No nipples looks very abnormal. It is my belief that surgery should address your dysphoria by trying to give you as good and NORMAL a male chest as possible, and not reconstructing nipples is inconsistent with this.
Regards, Dr Steve Merten, Sydney