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True cost of the crew: pet cost calculator for dogs and cats

Quick answerASPCA 2021 averages list a dog at $1,391 a year and a cat at $1,149 a year including health insurance, plus one-time costs. Real costs vary a lot by region and animal.

Published Oct 19, 2026 · Updated Oct 19, 2026 · By the Editorial team. General education, not veterinary advice and not yet individually reviewed by a licensed veterinarian. About and sources

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Where the numbers come from

The ASPCA “Cutting Pet Care Costs” page (2021 update) gives these national averages. Annual: dog $1,391, cat $1,149 (including health insurance at $516 and $348). One-time: spay or neuter $300 dog / $150 cat, initial medical $300 / $175, microchip $20 each, plus supplies, which we add as the ASPCA “initial total” of $1,030 dog and $455 cat.

Real costs vary by region, size, age and health. Treat this as a starting budget.

Frequently asked questions

How much does a dog cost per year?

The ASPCA 2021 update lists $1,391 a year for a dog and $1,149 for a cat, including health insurance, as national averages.

Sources

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