Pet Math Pro · Bedrocka Tools
Pet math without the insurance pitch.
Most pet cost calculators are run by pet insurance companies, veterinary chains, or pet financing platforms with a commission on the policy. This site is the opposite: every formula is open-source, every cost estimate cites the primary source (AVMA, ASPCA, NAPHIA Pet Insurance Industry Data, BLS Consumer Expenditure Survey), and every tool is reviewed by a named operator. Built for pet owners calculating lifetime ownership cost, insurance ROI, and emergency fund sizing.
Calculators
Pick the pet math you actually need.
Learn
Concepts behind the pet cost math.
Insurance ROI
Pet insurance ROI: when it pays and when it doesn't
NAPHIA data shows the average pet insurance claim is ~$1,900 — but the average annual premium is ~$640 (dogs) and ~$380 (cats). The break-even math depends heavily on breed, age, and deductible choice.
Lifetime Cost
The true lifetime cost of a dog: what ASPCA estimates miss
ASPCA estimates $1,500-$9,900/yr depending on species and size. But senior care and breed-specific conditions can add 2-3× to the back half of a dog's life. Here's the full lifecycle model.
What makes this different
Three things every Bedrocka Tools site does that the insurance-quote mills don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Pet insurance company calculators are designed to generate quotes, not show you the math. We publish ours.
Browse the math →Primary-source citations only
Every cost estimate, claim rate, and lifetime cost benchmark links to the original document — NAPHIA 2024 Pet Insurance Industry Report, ASPCA annual pet cost estimates, AVMA pet expenditure survey, BLS Consumer Expenditure Survey, Synchrony Lifetime of Care study. No "industry typical" hedging. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— operator-author who has modeled these exact pet ownership cost decisions on his own animals. Not a pet insurance company. Not a veterinary chain. Nothing here earns a commission tied to the policy you choose.
Read Byron's bio →Bedrocka Tools family
Pet Math Pro is part of the Bedrocka Tools portfolio of source-cited calculator sites. For insurance coverage — term life, renters, homeowners, auto, health — visit coveragecalc.pro (Insurance Coverage Hub). Same doctrine, different depth. Each site is individually source-cited and quarterly reviewed.
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