How much does smoking cost per year?

A pack-a-day smoker at $10/pack spends $3,650 per year. Over 10 years that is $36,500, or $60,000+ if invested at 7% annually.

Does quitting smoking reduce insurance premiums?

Yes. Most life and health insurers reduce premiums after 12 months of confirmed non-smoking, often saving an additional $300–$600 per year on top of cigarette costs.

Cigarette Quit Savings Calculator

Calculate how much money you save by quitting smoking. See daily, monthly, yearly and 10-year savings plus the investment value of redirected cigarette spending.

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Enter the values for the scenario you are assessing. Calculate how much money you save by quitting smoking. See daily, monthly, yearly and 10-year savings plus the investment value of redirected cigarette spending. Use the cigarette quit savings result to inform your calculation.

Cigarette Quit Savings Calculator

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Frequently Asked Questions

How much does smoking cost per year?

Does quitting smoking reduce insurance premiums?