What will this dog actually cost?

LIFETIME PET COST v1 — worked calculation
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Breed: Labrador Retriever (default)
Adult weight used: 67.5 lb = 30.6175 kg
  Range on file: 55–80 lb. AKC official standard: dogs 65–80 lb, bitches 55–70 lb in working condition. Default 67.5 lb is the midpoint of the combined published range 55–80 lb.
  Cite: American Kennel Club, “Official Standard for the Labrador Retriever” (Approved February 12, 1994; effective March 31, 1994; retrieved 2026-09-02). https://images.akc.org/pdf/breeds/standards/LabradorRetriever.pdf

Horizon: 12 years (a TCO window, not a lifespan claim)

FOOD
  MER = 130 × BW_kg^0.75 kcal/day (NRC 2006 typical / kenneled-active adult dog)
  MER = 1,692.0784 kcal/day
  Cite: Revista Brasileira de Zootecnia / SciELO, “Nutritional management and disease prevention in healthy dogs and cats” (Peer-reviewed review citing NRC (2006); retrieved 2026-09-02). https://www.scielo.br/j/rbz/a/nPV4DPcHDDzLMQgDWYmCMXC/?format=pdf&lang=en
  Cite: MSD Veterinary Manual, “Nutritional Requirements of Small Animals” (Full review November 2023; last updated September 2024; retrieved 2026-09-02). https://www.msdvetmanual.com/management-and-nutrition/nutrition-small-animals/nutritional-requirements-of-small-animals
  Dry food: Purina Pro Plan Large Breed Chicken & Rice Formula (dry dog)
  ME density: 3823 kcal/kg (407 kcal/cup)
  Cite: Nestlé Purina PetCare, “Pro Plan Large Breed Chicken & Rice Formula Dog Food — product label” (PDF path dated 2024-10; retrieved 2026-09-02). https://www.purina.com/sites/default/files/product-label-deck-file/2024-10/4451_n445123_pro_plan_large_breed_chicken_rice_formula_dog_food_547.pdf
  kg/day = MER / kcal_per_kg = 1,692.0784 / 3823 = 0.442605 kg/day
  kg/year = kg/day × 365 = 161.5508 kg/year
  Bag size: 30 lb = 13.6078 kg (packing size; user-editable; not a price)
  Bags/year = kg/year / bag_kg = 11.8719
  Bag price: null (no dated public shelf price pinned in v1; type a local price)
  Food annual $: —
  Food 12-year $: —

ROUTINE VET
  Visit cost: $214.00 × 1 visit(s)/year
  Annual $: $214.00
  12-year $: $2,568.00
  Cite: American Veterinary Medical Association, “Pet population continues to increase while pet spending declines” (Published October 10, 2024; updated November 6, 2024; retrieved 2026-09-02). https://www.avma.org/news/pet-population-continues-increase-while-pet-spending-declines
  This is an industry average visit cost, not a clinic quote. This lab is not a veterinarian.

INSURANCE PREMIUM
  Toggle: ON
  Premium: $749.29 / year
  Annual $: $749.29
  12-year $: $8,991.48
  Cite: North American Pet Health Insurance Association, “2025 NAPHIA State of the Industry Report — public highlights” (© April 22, 2025; in-force data as of December 31, 2024; retrieved 2026-09-02). https://naphia.org/wp-content/uploads/2025/04/NAPHIA-SOI2025-Report-Highlights_Public-April22.pdf
  Industry average accident & illness premium, not a quote. Coverage is not promised. This lab is not an insurance broker. No carrier is named as best.

INCIDENT RESERVE
  Annual savings target: null (no dated public average used as a default dollar; type a local target)
  12-year $: —
  Cite: North American Pet Health Insurance Association, “2025 NAPHIA State of the Industry Report — public highlights” (© April 22, 2025; in-force data as of December 31, 2024; retrieved 2026-09-02). https://naphia.org/wp-content/uploads/2025/04/NAPHIA-SOI2025-Report-Highlights_Public-April22.pdf
  NAPHIA publishes outlier claims, not a typical ER bill. v1 does not invent one.

12-YEAR TCO (sum of lines that have a dollar; empty cells stay empty)
  Food                   —
  Routine vet            $2,568.00
  Insurance premium      $8,991.48
  Incident reserve       —
  TOTAL                 $11,559.48
  Missing dollars: Food, Incident reserve — enter a local price to include them.