Ongoing care budget

Plan your dog or cat’s ongoing care budget

Plan recurring care, one-time setup and savings in one worksheet. Enter local amounts; unknown costs stay visible.

This calculator is not a veterinarian and not an insurance broker. Insurance is an industry average, not a quote. Coverage is not promised. No carrier is named as best.

Your pet

All breeds

Choose a breed as a starting point, then enter your pet’s actual adult weight.

Adult weight (lb)

Pre-filled with the midpoint of the cited adult range. Type your own dog or cat.

How active?

Which dry food?

Energy density is taken from the manufacturer’s product label. See Methodology.

Bag size (lb)

Enter the weight printed on the bag that matches your price.

What a bag costs near you

Enter your own price. Enter the price and matching bag size from your local store.

Years you want to count

Vet visits each year

Cost of one vet visit

Starts with the historical AVMA average visit cost for the selected species. Replace it with a relevant local quote; additional services may cost extra.

Count an insurance premium

Off removes the premium line. This is not a coverage promise.

Yearly premium

Starts with the historical NAPHIA average annual premium for the selected species. Use your own quote when available.

Annual emergency savings contribution (optional)

Choose an amount you can set aside each year. Savings are not expected bills.

Make room for the other costs

Add only expenses not already included above. Setup amounts count once. For irregular costs, divide your expected annual spending by 12. Leave unknown amounts blank; use 0 for items that do not apply.

Adoption or purchase

once

Initial supplies and setup

once

Preventive care

$/month

Grooming

$/month

Boarding and pet sitting

$/month

Litter and replacement supplies

$/month

Training and other expenses

$/month

12-year known-cost subtotal

$11,559.48

Enter a food price and the additional worksheet costs. Blank fields remain unpriced.

Ongoing monthly average—

Ongoing annual spending—

One-time setup—

First-year spending—

Food: —
Routine vet: $2,568.00
Insurance premium: $8,991.48
Additional recurring expenses: —

Separate emergency savings

Planned savings contributions: —

Selected expenses plus savings: Enter a savings target to calculate this.

Savings are money set aside, not expected bills. Do not count a savings contribution and a bill paid from it as two expenses.

The worked numbers

Vet visits: $214 × 1 × 12 = $2,568.00. Insurance: $749.29 × 12 = $8,991.48. Partial care subtotal: $11,559.48. Food is not yet priced. Savings are separate. Open Methodology for the underlying sources.

Keep a plan. Compare another.

Save the current plan, change the pet or prices, then save a second plan. Saved snapshots are held only in this tab until you refresh.

Save a plan, change your inputs, then save again.

Turn this estimate into a plan

Set an emergency cash target separately from expected pet-care spending.

Open the emergency fund planner

See when the bills arrive

Map recurring costs, setup purchases and an annual bill across your first 12 months.

Open the monthly pet budget