There are two things you need to consider: first, the initial costs, which can include the adoption fee or price of the dog, a dog bed and toys, leash and collar, microchip, and other things you may need for your dog.
Secondly, the running costs, e.g. E.g. annual vet check-ups, vaccinations, treatment to prevent parasites, food, treats, training sessions, grooming, pet insurance and so on. Also, some accessories for your pet need to be replaced over time.
Is the dog you are purchasing already neutered? If not, the cost of neutering must be considered. If you want to go on vacation, you will need to find a dog hotel/kennel or dog sitter, which can get expensive. In some countries it is also compulsory to have damage insurance when owning a dog – although it is not required it is a sound investment.
Each dog has a different financial impact depending on the animal’s size, age and health. Veterinary care can be very expensive, and while it’s sometimes a one-off event, there’s often the possibility of ongoing costly medical treatment – your pet could become chronically ill, require long-term medication or surgery.