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Start with a popular breed
Click any breed for a full cost breakdown, or search for your specific breed above.
Most PopularGolden Retriever
Year 1 ≈ $5,525
TrendingFrench Bulldog
Year 1 ≈ $4,355
Family FavouriteLabrador Retriever
Year 1 ≈ $5,120
Most AffordableAmerican Shorthair
Year 1 ≈ $2,470
Active LifestyleGerman Shepherd
Year 1 ≈ $5,835
Indoor CatRagdoll Cat
Year 1 ≈ $2,820
Budget-FriendlyBeagle
Year 1 ≈ $4,040
Gentle GiantMaine Coon
Year 1 ≈ $2,995
High EnergySiberian Husky
Year 1 ≈ $6,000
Low MaintenanceBengal Cat
Year 1 ≈ $2,490
HypoallergenicPoodle
Year 1 ≈ $4,955
Working DogBorder Collie
Year 1 ≈ $4,780
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What does a pet actually cost?
Year 1 is always the most expensive — setup costs, initial vet visits, training, and supplies stack up fast. Here's what five of the most popular breeds actually cost.
| Breed | Year 1 Total | Annual (yr 2+) | Lifetime | Per Month |
|---|---|---|---|---|
| 🐕Golden Retriever | $5,525 | $3,005 | $38,580 | $250/mo |
| 🐕French Bulldog | $4,355 | $2,240 | $33,475 | $187/mo |
| 🐕Labrador Retriever | $5,120 | $2,710 | $32,220 | $226/mo |
| 🐈Maine Coon | $2,995 | $1,685 | $28,270 | $140/mo |
| 🐕Poodle (Standard) | $4,955 | $2,850 | $36,305 | $238/mo |
Estimates based on national averages. Actual costs vary by location, lifestyle, and choices. See our methodology →
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Built on real data, not guesswork
Transparent Cost Model
Every figure is one documented calculation with published assumptions — the methodology page shows exactly what is included and how each region is adjusted.
Inflation Adjusted
Costs updated regularly to reflect current market rates across all three supported countries.
Personalised Estimates
Every calculation factors in your location, lifestyle, and living situation for accurate, relevant results.
Emergency vet bills average $1,100 (MetLife, 2025) — are you covered?
Most pet owners only find out how expensive emergency care is when they're already in the waiting room. Pet insurance for the average dog costs $40–80/month and can cover up to 90% of vet bills.
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