Calculator

Pet expense planner

Break down monthly and annual pet costs, plus an emergency fund target and 10-year lifetime total.

Food per month

Preventive veterinary care per month (vaccines, parasite control, check-ups)

Insurance per month

Grooming per month

Boarding / pet-sitting per month (averaged)

Equipment, toys and consumables per month

Emergency fund target

Months to build the emergency fund

Result

183 per month

Running costs: 120/month, plus 63/month towards your emergency fund target.

Annual total: 2190

10-year lifetime estimate: 21900

Insurance doesn't remove the need for savings — excesses, co-payments and uncovered conditions still apply. A dedicated emergency fund or comprehensive policy is the difference between a hard decision and an impossible one when something goes wrong.