Pet Finance · June 01, 2026 · 10 min read

I Calculated How Much Gus Costs Me Per Year

Food, vet visits, insurance, toys, the emergency visit when he ate a crayon — I added it all up. Gus costs me about $2,400 per year.

I Calculated How Much Gus Costs Me Per Year

Food, vet visits, insurance, toys, the emergency visit when he ate a crayon, the smart water fountain he ignores, the slow feeder bowl he flips, the green beans, the measuring cup, the digital scale, the enzyme cleaner for the rug, the new rug after the enzyme cleaner failed, the second new rug after Gus ate a hole in the first new rug — I added it all up. I used a spreadsheet. Of course I used a spreadsheet. I'm an IT guy. I have spreadsheets for everything. I have a spreadsheet for my spreadsheets.

January: The Food
$85 per month for premium dry food. $1,020 per year. I tried budget food. Gus ate it. Then he looked at me like "this is not food." I switched back. Premium food is expensive. Premium food is also the reason Gus's coat is shiny. Dr. Martinez said "good food shows in the coat." Gus's coat is very shiny. It's basically a mirror. I can see myself in his fur. I look tired. The food is working.
February: The Vet
$500 per year for wellness visits. $200 for the ear infection. $150 for the crayon incident. $850 total. The crayon was red. Gus ate the whole thing. I found the wrapper. I panicked. I called the vet. The vet said "crayons are non-toxic." I said "are you sure." She said "yes." I said "he ate a red crayon." She said "his poop will be colorful." It was. Very colorful. I took a picture. I won't show you. But I have it.
March: The Insurance
$45 per month. $540 per year. Trupanion. 90% coverage after deductible. I got it after the crayon incident. I realized that emergency vet visits are expensive. The crayon was $150. A real emergency could be $2,000. The insurance gives me peace of mind. The peace of mind costs $540. It's worth it. I sleep better. Not much better. But better.
April: The Toys
$25 per month. $300 per year. KONG toys. Rope toys. Squeaky toys. The squeaky toys last 3 days. The KONG toys last forever. Gus has 4 KONG toys. He rotates them. He has a system. He doesn't share the system. I buy a new squeaky toy every month. He destroys it. He is happy. I am poor. But he is happy.
May: The Extras
$45 water fountain. $25 slow feeder bowl. $12 ceramic bowl. $15 measuring cup. $20 digital scale. $18 enzyme cleaner. $12 green beans per month. $144 per year for green beans. The extras add up. The extras are the things you don't think about. The extras are the things that make you realize pet ownership is not just food and vet visits. Pet ownership is a lifestyle. Pet ownership is a financial commitment. Pet ownership is worth every penny. Even the crayon penny.

Total: $2,399. I rounded to $2,400. Because $2,400 sounds cleaner. Because $2,400 is the number I tell people when they ask "how much does a dog cost." I say "about $2,400 per year." They say "that's a lot." I say "it's less than a car." They say "you don't need a dog." I say "I need Gus." They don't understand. I don't expect them to understand. Gus is not a line item. Gus is a family member. But family members have costs. And I track the costs. Because I'm me. Because I track everything. Because tracking is how I show love. It's weird. I know it's weird. But it's my love language.

The Pet Cost Estimator lets you compare scenarios. Scenario A: budget food, no insurance, no toys. $1,200 per year. Scenario B: premium food, comprehensive insurance, regular toys. $3,000 per year. Gus is Scenario B. Gus is always Scenario B. Gus deserves Scenario B. I am Scenario A for myself. I eat budget food. I have no insurance. I have no toys. But Gus has premium food and insurance and KONG toys. Because Gus is better than me. Because Gus is worth it. Because I love him more than I love myself. This is probably unhealthy. I don't care. I'm healthy enough. Gus is very healthy. That's what matters.

I built the calculator because I wanted to know. Because I was curious. Because I was anxious. Because I needed a number. The number is $2,400. The number is not scary. The number is manageable. The number is worth it. The number is Gus. The number is love. The number is a spreadsheet cell. The cell is green. The cell is good. The cell makes me feel better. Numbers make me feel better. I am a person who is comforted by numbers. I am also a person who is comforted by a golden retriever who sleeps on my feet. Both are true. Both are me. Both are fine.

If you're thinking about getting a dog, use the calculator. Input your numbers. See the result. Don't panic. It's just a number. It's a manageable number. It's a number you can plan for. It's a number that brings a dog into your life. A dog who will eat crayons. A dog who will vomit on rugs. A dog who will love you unconditionally. A dog who is worth every penny. Every single penny. Even the $150 crayon penny. Especially the crayon penny. Because that penny bought me a story. A story about a red crayon and colorful poop and a vet who said "non-toxic" and a dog who didn't know what he was doing but did it anyway. That's the best $150 I ever spent.

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Pet Cost Estimator
Calculate your annual pet budget before you adopt. Compare Scenario A vs Scenario B. Gus costs me $2,400 per year. I built this calculator so you can know your number before you panic.
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Dog Calorie Calculator
Food is the biggest expense. Premium food costs more but can reduce vet bills. Find the exact calories your dog needs and choose food accordingly. Gus gets premium. His coat is shiny. My wallet is empty.
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Ethan Barrett with Gus and Mochi

Ethan Barrett

IT guy in Denver with a golden retriever named Gus and a British Shorthair named Mochi. I build spreadsheets and pet health calculators when I should be sleeping. Not a vet. Just a guy who got tired of googling at 2 AM.

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