Part 5.1: Budgeting for a Cat (Global Costs and What to Expect)
Last Updated: July 2025
📍 Note: This post includes pricing in USD. If you're in Canada, check out the CAD version of this guide here →
Dear Pet Mom,
Let’s talk about the not-so-cuddly part of cat parenthood: the budget.
While cats are generally lower-maintenance than dogs, they still come with recurring costs and a few surprise expenses that every new pet parent should be prepared for. A little upfront planning can make a big difference in ensuring your cat gets the care and comfort they deserve, without catching you off guard.
This post walks you through typical monthly costs, yearly health care, and what you might want to set aside for emergencies.
Basic Monthly Budget
Here’s what I personally spend per month on my three cats. These are mid- to top-range estimates based on quality food, natural litter, and basic supplies.
Item Monthly Cost (USD)
Dry food 28
Wet food 18
Litter 38
Miscellaneous 20
Average per cat: USD 34.33
This budget doesn’t include vet care, pet insurance, or emergency expenses. Let’s look at those next.
Vet Care: Vaccines, Exams & Microchipping
Annual core vaccines and a wellness checkup will cost you around USD 148–185 per year. Kittens usually require a series of initial shots in the first year, which can bring that total a bit higher.
Microchipping is a one-time cost of around USD 37, depending on your vet or rescue organization.
Many shelters include the initial vaccine shots and microchipping in the adoption fee (just as mine did).
What to budget:
First-year vet costs (adult cat): USD 185-222
Yearly vaccines & exams after that: USD 148-185
Pet Insurance (Optional)
Pet insurance isn’t required, but it can be a huge help if you ever face unexpected medical bills. Plans vary, but most fall in the USD 18-34/month range for cats, depending on coverage and your cat’s age.
Some pet parents, including myself, choose to skip monthly insurance premiums and instead set aside money each month into a dedicated emergency fund. Read it here: Why I Use EQ Bank for My Pet Emergency Savings Instead of Pet Insurance →
Tip: If you’d struggle to cover a sudden vet bill of USD 1,000 or more, having either insurance or a savings buffer is needed.
Emergency Vet Visits
Emergency visits can be costly, and they often happen at the worst time. A minor issue might cost USD 300–500, while serious procedures can range from USD 750 to over 3,000.
No one likes to think about it, but it’s wise to be prepared. It’s also part of responsible pet parenthood, so it is best to plan in advance.
What to budget:
Emergency fund: USD 740 - 1,500 (or insurance coverage)
Total Year One Estimate (Per Cat)
Category Estimated Cost (USD)
Monthly food, litter,
supplies 436 (36.33 × 12)
Vaccines and vet visits 148-185
Microchipping (one-time) 37
Pet insurance (optional) 222-400 annually
Emergency fund 740+ (recommended)
Estimated Total:
Approximately USD 600–1,100 per year, not including emergencies. Add pet insurance or an emergency savings buffer, and you're looking at USD 1,000–1,500+ in year one.
Final Thoughts
Budgeting for a cat doesn’t have to be overwhelming, but it does require intention. Your cat will need food, litter, love, and vet care on a regular basis. Planning for both the expected and the unexpected means fewer financial surprises and a more stable, happy life for your furry companion.
Remember, you don’t have to buy everything at once or choose the most expensive products. What matters most is consistency, safety, and a willingness to care for your cat throughout their lifetime, with all its ups, downs, and vet receipts.
📚This post is part of The Cat Adoption Series
Start from the beginning or jump ahead:
