What will my pet really cost?
Start from typical costs for a small, medium or large dog or a cat, then change any line to match your life.
Plus a one-off emergency fund: vets suggest having $1,500–$3,000 ready if you don’t insure.
Starting values are rough mid-range estimates. Change any line to match your own costs.
Should you budget for insurance?
Insurance turns one huge, unpredictable bill into a steady monthly cost. Read Is pet insurance worth it? to decide.
FAQ
How much does a dog cost per month?
Most owners spend roughly $150–$300 a month on a medium dog once food, insurance, routine vet care, parasite prevention and grooming are added up. Big dogs and breeds that need professional grooming cost more.
How much does a cat cost per month?
A typical cat costs around $100–$150 a month including food, litter, insurance and routine care.
What costs do new owners forget?
Emergency vet bills, pet sitting or boarding when you travel, dental cleaning, and replacing worn-out beds, collars and toys.