Family tool · Cash
The real cost of a pet
““Can we get a puppy?” The price tag is the easy part. Food, vet bills, insurance and supplies arrive every month for years — here's the honest total, so your family can plan instead of panic.”
— Cash
🐾 What it really costs over its whole life
€18,080
The dog itself is just 4.4% of that — the rest arrives month after month.
€800
to get one
€1,440
per year
€120
per month
Food, vet visits + insurance, litter/bedding, toys — the part that never stops.
🔍 How this is calculated · sources
A pet's true cost is simple to add up — and bigger than it looks:
- Upfront — buying or adopting + a starter kit: bed, crate or tank, first vet check, and neutering/chipping.
- Every month — food, vet visits + insurance, and supplies — the part that never stops, for the animal's whole life.
- Lifetime — upfront + monthly × the years you'll care for it. A dog lives ~12 years, a cat ~15, a pony 25+.
Illustrative EU averages — real costs swing a lot by breed, size and health, and one emergency vet bill can dwarf a year of food. Treat it as the right ballpark, then adjust the sliders to your pet.
⚠️ Educational only — not financial advice. Illustrative average figures; your real costs will vary a lot by breed, health and choices. Emergency vet care is not separately modelled.