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 Simple Estimate
What could smoking be costing you?
See what your spending may add up to — and what money could be available for something else.
Starting numbers:
Cost of one pack: $8
Cigarettes per day: 15
Estimated cost:
Weekly: $42
Monthly: $180
Yearly: $2,190
10 years*: about $28,900
20 years*: about $80,600
*Based on cigarette prices increasing 6% annually
Your actual cost may be higher or lower depending on price, brand, taxes, and how much you smoke.
Small daily costs can add up over time. That money could help you:
Catch up on bills
Build an emergency fund
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.