What Could Smoking
Cost You?
Start by estimating what smoking may cost each month and over time. Then use a Cost of Smoking Calculator to see what changing your nicotine use could mean for your health, money, and daily life.
Start With a Sample Estimate
See what you could
make possible
Sample numbers:
$8.00 pack
15 Cigarettes per day
Estimated cost:
Weekly: $42 = gas or a prescription copay
Monthly: $180 = groceries or a utility bill
Yearly: $2,190 = a vacation or major home repair
10 years: about $28,900 - a newer car or retirement savings
20 years: about $80,600 - paying off a mortgage or major home improvements
Small daily costs can add up over time. That money could help you:
Buy groceries
Take a weekend trip
Buy groceries
Pay down credit card debt
In the previous section, a first-year cigarette cost of $2,190* added up to:
→ in 10 years: about $28,900 — a reliable used car or several family trips
→ in 20 years: about $80,600 — a substantial retirement contribution or major home improvements
*Based on cigarette prices increasing 6% annually
What Could That Money Become?
Use the Cost of Smoking Calculator. Enter your own numbers and see what you could save.
Hidden Costs
The price at the register may not be the full cost. Smoking can also affect other parts of a person’s finances.
Possible hidden costs can include:
Medical or dental care related to smoking
Higher life insurance premiums
Smoke damage to a home, car, furniture, or clothing
More frequent cleaning, repairs, or replacement costs
Money that could have gone toward bills, savings, debt, or other needs
Choose Your Next Step
Based on where you are now
You don’t have to decide everything today. Start with the link that feels most useful right now.