Food, insurance, vet reserve, grooming, treats, accessories. Realistic UK totals, not brochure numbers.
Annual projection: £0
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Figures based on PDSA Pet Population report, RVC VetCompass data, BVA fee surveys and 2024/25 UK retail pet price benchmarks. Your actual costs will vary by region and pet.
For an adult dog, a typical UK budget runs £70–£130/month including insurance. Cats are cheaper at £45–£80/month. Puppies and seniors skew higher due to vaccinations, training and age-related vet care.
Insurance is the single biggest line item and the one with the most variance by breed. Brachycephalic breeds (Frenchies, Pugs, English Bulldogs) can hit £80–£120/month for lifetime cover. Use the sliders to see how it adds up.
Affiliate disclosure · Full dog costs guide · Full cat costs guide