Smoking Cost Calculator
From price per pack to long-term cost
The calculator multiplies the number of packs smoked per day by the pack price and time horizon. In MathML form, the annual cost equation is , where is cigarettes per day, is cigarettes per pack, and is cost per pack. When you include the years field, the script compounds price inflation and sums each year’s expense. If you also supply an investment return, the tool models what would happen if you invested the avoided spending each month.
Illustrative scenarios
Use the table to benchmark the cost of common habits.
| Daily use | Pack price | Annual cost |
|---|---|---|
| Half pack | $7 | $1,278 |
| One pack | $9 | $3,285 |
| Pack and a half | $11 | $6,016 |
Small increases in daily use or price add up to thousands of dollars per year. Comparing scenarios helps quantify the financial incentive to taper your habit or quit entirely.
Plan your next steps
Channeling the savings from quitting into a goal fund accelerates progress toward travel, debt payoff, or emergency reserves. Automate transfers equal to your old cigarette budget to keep temptation low.
Reinforce your plan with the 50/30/20 Budget Calculator, redirect spending toward goals using the Savings Goal Calculator, and motivate lifestyle changes with the Bike to Work Savings Calculator.