Free pet financial calculators
Every tool here is free, runs in your browser, and is built around one principle: honest math, not sales funnels. No quote forms, no email capture, no commissions. Pick a calculator and get your answer in about 30 seconds.
Pick your dog's breed, age, region, and savings discipline. We run the expected-value math and give you a clear verdict — including "skip it" when the numbers say so.
Run the calculator →If you're self-insuring instead of buying a policy, this tells you exactly how much to save — breed-specific, with a monthly savings target and time-to-safety estimate.
Run the calculator →What will a dog really cost over its lifetime? Breed-specific projection covering food, vet, grooming, training, supplies, and insurance — with region adjustment and an insurance-vs-self-insure comparison.
Run the calculator →Choosing self-insurance? This builds your monthly savings target and tracks hypothetical savings against an insurance policy over time, so you can see which is winning.
In developmentSpecific procedure cost estimates by region: TPLO, dental cleaning, cancer treatment, emergency surgery, and 30+ more. In the meantime, see our procedure cost guides.
In developmentThe same honest math, for cats. Breed-specific hereditary risks, the crucial indoor vs. outdoor factor, and an insurance-vs-self-insure verdict.
Run the calculator →The right question is rarely "which plan is best."
Most pet insurance websites are built to sell you a policy — their "calculators" are quote forms that route your information to partner insurers who pay a commission. We built the opposite. Our calculators run actual expected-value math on your specific situation and tell you what the numbers say, even when the answer is "skip insurance and save the money yourself."
The two live tools work as a pair. The insurance worth-it calculator answers whether a policy makes financial sense for your specific breed, age, and region. If it tells you to self-insure instead, the emergency fund calculator tells you exactly how much to set aside. Together they cover the full decision.
More tools are in development — lifetime cost projections, a self-insure tracker, and a cat version. In the meantime, if you're researching a specific procedure cost, our procedure cost guides break down what common surgeries and treatments actually cost in 2026.