Pet cost of ownership calculator
Estimate the first-year cost of owning a dog or cat: one-time setup (adoption, initial vet, spay/neuter, supplies) plus a year of ongoing costs, with or without pet insurance.
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What is included
- Setup: adoption or purchase, first vaccinations and vet visit, spay/neuter, bed, crate, bowls and starter supplies.
- Ongoing: food, routine vet care and preventatives, and — if selected — pet-insurance premiums from our pet-insurance cost report.
Beyond year one
Later years cost less than the first (no setup), but emergencies, dental work and ageing-pet care can add up. Budgeting for the ongoing annual range every year is the safe approach.
Estimate only, based on typical U.S. ranges. Actual costs vary by breed, health, location and choices.