Put your own local numbers in one place and see the first year cost, ongoing annual
cost, monthly equivalent and emergency reserve before you buy.
Saved in this browser
Compare scenarios
How this is calculated
Your numbers, shown honestly.
Four figures, four different questions.
Recurring spending, each year. Twelve months of your monthly costs plus your
annual costs. This is what the horse costs once everything is set up.
First year spending, reserve excluded. Recurring spending plus the one-off
startup purchases. This is money you expect to actually spend in year one.
Emergency reserve, set aside not spent. Money you hope not to touch. It is
deliberately kept out of the spending figures, because counting it as spending overstates what
the year costs and understates what you need available.
Total cash target. First year spending plus the reserve. This is the only
figure that includes the reserve, and it is the amount to have available.
Every cost is marked per horse or shared. Per-horse costs are multiplied by the
number of horses; shared costs are counted once no matter how many horses you keep. A trailer, a
shelter and a water trough do not cost twice as much because you own two horses, and treating them
as though they did is what a single divide-by-horse-count produces.
This is a planning estimate, not financial advice. Prices vary by region, horse and level of care.
