Quit Smoking & Save Calculator
Smoking is expensive. Discover how much you keep in your pocket—today, this year, and far into the future—once you stop buying cigarettes.
Choose a past or today's date to see savings to date. Future dates assume you quit today.
Include gum, patches, vapes, or other substitutes you still purchase.
Used to estimate investment growth if you invest the savings each month.
Savings Overview
Daily savings
$6.38
After replacement costs of $0.00
Per month
$194.04
Based on average 30.4 days per month
Per year
$2,326.88
That is what you keep after 12 smoke-free months
Progress So Far
Smoke-free days
0 days
0 cigarettes not smoked.
Money saved to date
$0.00
Invested at 5% annually, that could grow to $0.00.
Future Value of Staying Smoke-Free
1 year
$2,382.58
Equal to $2,326.88 without investing.
5 years
$13,195.84
Assumes monthly investing at 5% APR.
10 years
$30,130.83
Long-term commitments pay off dramatically.
How to Use This Calculator
Enter your smoking habit
Provide the number of cigarettes you used to smoke per day, pack size, and price where you live.
Track the quit date
Select the day you quit to calculate real-time savings and cigarettes avoided. Starting today? Leave it on today's date.
Include substitutes and future goals
Add any replacement costs and an investment return rate to see how much further your savings could go.
Formula
Daily Savings = (Cigarettes/Day / Cigarettes/Pack) * Cost per Pack - Replacement Spending
Future Value = Monthly Savings * ((1 + r/12)^n - 1) / (r/12)
Example: 15 cigarettes per day, $9 per pack, 20 per pack -> $6.75 per day. Skip $1 in gum -> $5.75 saved daily.
Investment example: Investing $175 per month at 5% annual return grows to about $11,300 in five years.
Life After Quitting
The financial wins are immediate, but the ripple effects stretch further—lower insurance premiums, fewer sick days, and long-term health savings. Use this calculator to stay motivated and redirect the money toward goals that matter.
Ideas for your savings
- Build an emergency fund with the first few months of savings.
- Reward milestones—set aside a portion for meaningful experiences.
- Invest automatically so the money grows while you stay smoke-free.
- Cover wellness expenses like gym memberships, therapy, or nutrition coaching.
Staying on track
- Journal cravings and successes to see progress beyond dollars.
- Share your savings milestones with accountability partners.
- Use nicotine replacement only as long as you need—update the calculator when costs change.
Frequently Asked Questions
What if my quit date is in the future?
We assume you are starting today. Savings so far will show $0 until the date arrives, which is perfect for planning a quit attempt.
How do I account for occasional cigarettes?
Adjust the cigarettes per day to your current average. You can revisit the tool anytime as habits shift.
What replacement costs should I include?
Add gum, patches, lozenges, vaping cartridges—anything you buy regularly while staying away from cigarettes.
Is the investment growth guaranteed?
No. Investment returns fluctuate. Choose a conservative rate (4 to 7%) or set it to 0% to see pure cash savings.