Free tool
Horse Cost Calculator
How much does a horse cost per month? Adjust each line to your situation — boarding, vet, farrier, lessons, insurance — and see the full picture.
Adjust each cost
Boarding (livery)
Full board €450-€750 · part board €250-€400
€/mo
Farrier (every 6-8 wks)
Trim €40-€60 · shoeing €80-€140
€/mo
Vet (avg/month)
Routine + vaccines ~€600/year = €50/mo
€/mo
Insurance (liability + mortality)
Depends on horse value
€/mo
Concentrate/supplements extra
On top of boarding price
€/mo
Lessons (1x/wk)
€35-€50 per lesson × 4
€/mo
Competitions + transport
Entry fees + fuel
€/mo
Equipment (avg depreciation)
Saddle pads, bridle parts, etc.
€/mo
Dentist (2x/year)
~€120 × 2 = €240/yr = €20/mo
€/mo
Other (parasitology, physio, etc.)
Dewormer + occasional physio
€/mo
Total cost
€1130/mo
≈ €13,560 / year
Top 3 cost drivers
- 1.Boarding (livery)€550
- 2.Lessons (1x/wk)€160
- 3.Competitions + transport€80
Where owners save: part board vs full board, sourcing feed yourself, combining annual vaccines, and farrier discounts via barn deals.
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