Home › Spending & habits

Cost of Smoking or Vaping Calculator

See how much smoking or vaping costs per year and over time, and how much you save from your quit date.

Checked by the Money Years editors · Updated October 28, 2026 · How we calculate

Result
-

The money side of quitting

Cigarette prices vary a lot by state and country because of taxes, but a pack a day at $9 is about $3,300 a year. The health benefits of quitting are the bigger reward, and the money is a powerful extra motivation: within a year, a pack-a-day smoker has enough for a holiday, and over ten years the savings, invested, could pass $45,000.

Smokers also often pay more for life and health insurance, so the true saving after quitting tends to be higher than the price of the cigarettes alone.

Common questions

How much does a pack-a-day habit cost per year?

At $9 a pack, about $3,300. In high-tax places it can be well over $5,000.

Where can I get help to quit?

In the US, call 1-800-QUIT-NOW or visit smokefree.gov. Many countries have similar free services.

This calculator gives estimates for planning. Real returns, rates and prices change, so treat the result as a guide rather than a promise. Read how we build and check our calculators.