Cat cost of ownership calculator
Five inputs. Recalculates instantly, no sign-up, nothing stored. Litter is included; grooming is at home. How the cat model differs.
Your cat
Food tier
Pet insurance
Your estimate $1,482
Estimate for your cat
Typical per year
$1,482
$983 – $1,849 depending on choices
First year
$2,386
Lifetime (11.54 yrs)
$18,333
Source · 6 sources · Updated 2026-09-21estimate
SOURCE · PetSmart.com regular (non-promotional) list prices — hand-recorded SKU sample — PetSmart (recorded by pawdget), 2026 data, accessed 2026-09-21
SOURCE · Nutritional Requirements of Small Animals (RER = 70 × kg^0.75, MER factors) — Merck Veterinary Manual, 2024 data, accessed 2026-09-21
SOURCE · Veterinary Exam and Procedure Costs (ASQ360° research, 50 states + DC) — CareCredit / Synchrony, 2025 data, accessed 2026-09-21
SOURCE · pawdget methodology — our own schedules, rubrics and formulas — pawdget.com, 2026 data, accessed 2026-09-21
SOURCE · Regional Price Parities by State, 2024 (table SARPP) — U.S. Bureau of Economic Analysis, 2024 data, accessed 2026-09-21
SOURCE · State of the Industry Report 2026 — highlights (2025 data) — North American Pet Health Insurance Association, 2025 data, accessed 2026-09-21
METHOD · estimated by formula · View methodology
Where the money goes
| Category | per year | Share | Source |
|---|---|---|---|
| Food & treats283 kcal/day × $2.16 per 1,000 kcal + 10% treats | $246 | 17% | PetSmart · est. |
| Vet & preventive1 exam, core vaccines, dental every 3 yrs, 12 months of flea/heartworm prevention | $570 | 38% | CareCredit / Synchrony · est. |
| InsuranceAccident & illness plan, US average, adjusted for state | $422 | 28% | North American Pet Health Insurance Association · est. |
| GroomingHome grooming: brush and nail clippers | $6 | 0% | PetSmart · est. |
| Litter, supplies & gear25 lb of litter a month at $0.62/lb, plus scratcher and toy replacements | $238 | 16% | PetSmart · est. |
| Training & boardingNot modelled for cats — no public average for cat sitting or boarding | $0 | 0% | pawdget.com · est. |
First-month shopping list
- Litter BoxExquisiCat · X Large$36
- Litter ScoopExquisiCat$2
- CarrierMidwest · 24″$72
- Bowls ×2Whisker City · 6 fl oz$11
- BedWhisker City$8
- BrushWhisker City$11
- Nail ClipperWhisker City$8
- Cat TreeWhisker City$145
- Total$294
Source · PetSmart (recorded by pawdget) · Updated 2026-09-21
SOURCE · PetSmart.com regular (non-promotional) list prices — hand-recorded SKU sample — PetSmart (recorded by pawdget), 2026 data, accessed 2026-09-21
METHOD · measured
First-month gear on Amazon · partner link
Lifetime uses the breed's median lifespan from UK survival data where it exists, otherwise the US life expectancy for purebred cats.