Calculator

Cost of ownership

Add up realistic first-year and annual costs before you commit to an animal.

Owner planning a budget with a calculator, receipts and a piggy bank while a terrier rests in its bed

Estimates are a starting point; your veterinary team can confirm the right figures for your animal.

One-off setup costs

Food per month

Routine veterinary care per year

Insurance per month

Other costs per month (litter, bedding, grooming)

Expected lifespan (years)

Result

1,900 first year

Ongoing: 1,500 per year

Lifetime estimate: 18,400 over 12 years

Figures are in your own currency. They exclude emergencies — a single surgery can exceed a year of routine care, which is the main argument for insurance or a dedicated savings buffer.