twelve a day
- Cigarettes a day
- 12
- Price of a pack
- ₹340
- Cigarettes in a pack
- 20
- Years smoking
- 8
- If invested instead, annual return
- 12%
- Project forward
- 20
Annual cost₹74,460
17 per stick times 12, times 365
Open this exampleHealth & Fitnesslifestyle
Smoking Cost Calculator
The financial cost of smoking, including what the same money would compound to if invested. The compounded figure is usually an order of magnitude larger than the annual spend, which is the point of showing it.
Also called: cost of smoking, quit smoking savings.
Annual cost
₹74,460
₹74,460 a year, ₹204 a day. You have spent about ₹5,95,680 so far. Quitting today and investing the same money at 12% would be worth ₹53,65,025 in 20 years.
Daily cost
₹204
Monthly cost
₹6,205
Spent so far
₹5,95,680
If invested instead
₹53,65,025
Packs a year
219
Total spend if you continue
₹14,89,200
Method and background
This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.
How this is calculated
Daily consumption converts to an annual spend at the pack price. Investing that same amount annually at a market return compounds into a figure most smokers have never calculated: at twelve percent over twenty years, each rupee of annual spend becomes about seventy-two. The health consequences are the real argument and are outside what a calculator can say; this page is only about the money.
the annual spend treated as a yearly investment, compounded forward- P
- Annual cost
- r
- Return
Worked examples
Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.
a zero return is a straight sum
- Cigarettes a day
- 12
- Price of a pack
- ₹340
- Cigarettes in a pack
- 20
- Years smoking
- 8
- If invested instead, annual return
- 0%
- Project forward
- 20
Annual cost₹74,460
boundary
Open this exampleMethod and limits
What it assumes
- Constant consumption and a constant pack price, both of which understate: tobacco taxes rise.
What it deliberately does not model
- Health costs, insurance premiums and lost earnings are not included and dwarf the direct spend.
- The investment return is an assumption, not a promise.
Formula version 1.0.0 · definition 1.0.0 · India · Report a problem with this calculator
Frequently asked questions
- Why show an investment figure?
- Because the annual number looks manageable and the compounded one does not. The opportunity cost is the part that is invisible in a daily purchase.