Calculate the true financial cost of smoking cigarettes, cigars, or vaping
Investing your daily smoking cost at 7% annual return: — in 5 years, — in 10 years, — in 20 years.
At your current rate, you'll smoke approximately 0 cigarettes per year. Studies show that quitting smoking at any age increases life expectancy. A 35-year-old who quits gains an average of 6-8 years of life.
Smoking is one of the most expensive daily habits. Beyond the direct cost of cigarettes, smokers face higher health insurance premiums (often 15-20% more), increased medical expenses, lower resale value on cars and homes, and higher cleaning costs.
The average pack of cigarettes costs $8 in the US, but prices vary widely — from $5.25 in states like Missouri to over $13 in New York. In countries like Australia, a pack can cost over $25 AUD.
A pack-a-day smoker spends roughly $2,920 per year on cigarettes alone. Over a 30-year smoking career, that's $87,600 in direct costs — or over $300,000 when you factor in the opportunity cost of investing that money at 7% annual returns.
Quitting smoking is one of the single best financial and health decisions you can make. Use this calculator to see exactly how much you could save.