Annual vet budget.

Worked example

Two wellness exams at $80 ($160), $90 of vaccines, $25 a month of parasite prevention ($300), a $600 dental cleaning every 2 years ($300 a year), $120 of lab work and a $500 emergency set-aside: 160 + 90 + 300 + 300 + 120 + 500 = $1,470 a year, or $122.50 a month. Planned care without the set-aside is $970.

How it works

Wellness exams = number × fee. Prevention = monthly cost × 12. A dental cleaning that happens every few years is spread out: cost ÷ years between cleanings. The emergency set-aside is the amount you decide to put aside each year, not a forecast of what will happen. Totals multiply by the number of pets on the same plan.

The calculator contains no price list. Ask your vet for an estimate for the exams, vaccines and prevention your pet needs, and note that needs change with age. A savings fund or insurance can cover the emergency line: see the insurance vs savings and emergency fund calculators.

Sources and basis (checked 2026-10-08): arithmetic on the numbers you enter; no published price or rate data is used.

FAQ

How much should I budget for the vet each year?

Add your vet’s estimate for exams, vaccines, prevention and dental care, then a set-aside for unexpected bills. This calculator totals them.

How do I include a dental cleaning that is not yearly?

Enter the cost and the years between cleanings. The calculator spreads it evenly across those years.

What is the emergency set-aside?

An amount you choose to save each year for unplanned care. It is not a prediction of what will happen.

Does it work for several pets?

Yes, if they have the same plan. Otherwise run it once per pet and add the totals.

Does it include insurance?

No. Add the premium to the other planned care line, or use the lifetime cost calculator.