Home/Ownership planner

Your quotes. The whole commitment.

What would it
really take?

Compare boarding with keeping horses at home. Use the same horses and professional care in both columns. Leave a price blank until you know it.

Optional starting point

Bring a farm’s reference.

Published boarding reference

01 / Set the comparison

The same horses. Both scenarios.

Number of horses

All horse-specific amounts below are per horse; property costs are shared. If individual costs differ, enter the average for those horses. Plan suitable companionship and experienced care before deciding on home keeping.

Blank means unconfirmed. Enter 0 only when a cost is included, unnecessary or deliberately funded elsewhere. All figures are USD.

02 / The boarding scenario

The farm’s bill, plus the extras.

Ask for a matched quote. Include mandatory training and add only the lessons and services outside the package.

Base boardPer horse. Include only the care in your quote.

/ month
per horse

Required trainingPer horse. Zero only when no program charge applies.

/ month
per horse

Tax & regular extrasPer horse. Handling, extra feed or other quoted charges.

/ month
per horse

Additional lessonsPer horse. Only instruction beyond what is included.

/ month
per horse

Your travelTotal for the boarding scenario, all horses.

/ month

03 / The home scenario

The work behind the board.

Count the supplies, the property and the people who help. Existing facilities still need maintenance.

Hay & foragePer horse. Use your feeding and supply quotes.

/ month
per horse

Other feedPer horse. Only what your care plan requires.

/ month
per horse

BeddingPer horse. Account for the planned housing.

/ month
per horse

Lessons & trainingPer horse. Include travel or haul-in charges here.

/ month
per horse

Water & electricityWhole property’s horse-related share.

/ month

Manure handlingWhole property. Removal or operating costs.

/ month

Paid help & reliefWhole property. Routine and absence cover.

/ month

Repairs & replacement allowanceWhole property. Budgeted allowance, not a repair forecast.

/ year

Property carrying costsAnnual horse-related share of tax, insurance, rent or financing. Avoid overlap.

/ year

04 / Care in either place

Same care. Same comparison.

These amounts are added once to each scenario. Use your professionals’ quotes and the interval appropriate for your horses.

Routine professional carePer horse. Veterinary and dental quotes for the year.

/ year
per horse

Farrier appointmentPer horse, per appointment. Set the interval below.

/ visit
per horse

Horse insurancePer horse. Annual quoted premium, or a deliberate zero.

/ year
per horse

Weeks between farrier visits

Six weeks is an editable arithmetic starting point, not care advice. Annual farrier cost uses 52 ÷ your interval.

Contingency savingPer horse. Planned saving, not predicted care costs.

/ month
per horse

Contingency saving is shown separately from expenses. It is not an estimate or limit for emergency care.

05 / Before the horses arrive

Startup cash.

One-time totals for all horses. Kept separate from recurring expenses. Refundable deposits are still cash needed at arrival.

Horses & initial assessmentTotal for all horses. Same in both scenarios.

one-time total

Tack & initial equipmentTotal shared startup spending for either scenario.

one-time total

Boarding deposit & arrivalTotal cash needed. A deposit may be refundable.

one-time total

Property acquisition / initial cashTotal cash required now. Put ongoing financing above.

one-time total

Shelter, fencing, water & site workTotal installed quotes for the working property.

one-time total

Farm equipment & deliveryTotal initial cash for the home scenario.

one-time total

06 / Your time & assumptions

The parts a bill doesn’t show.

Your home-care hours per day

Total for all horses and chores. Owner time is displayed separately; hired help is already a cash cost above. Riding and boarding travel time can be recorded in your notes.

Quotes, dates, inclusions and missing information

Saved in this browser when you edit.

The figures are planning subtotals, not market averages or financial advice. Land appreciation, opportunity cost and unquoted risks are not modeled. Read the budgeting guide.