Quit Smoking & Save Calculator

See how quitting frees cash today and tomorrow. Model cigarettes or packs, local prices, and pack size. Factor inflation, investment returns, healthcare offsets, and replacement costs. Track smoke-free days, health milestones, CO₂ cuts, and time saved. Share CSV or PDF, and review formula steps clearly later. Export results, compare scenarios, and build resilient savings.

Quick presets

Optional
Applies a currency and example defaults. Adjust as needed.

Inputs

Required
Shown in all monetary outputs.
Enter your typical retail price.
If set, overrides cigarettes/day.
Used to compute savings elapsed.
Compounded monthly from contributions.
Gum, patches, vapes, coaching, or apps.
Estimates time saved.
Adjust to your preferred assumption.
Optional later premium/expense reduction.
$0.00
Daily spend previously
$0.00
Saved since quit date
$0.00
Direct cash saved over horizon
$0.00
Future value if invested
0 h
Time saved over horizon
0 kg CO₂
CO₂ avoided over horizon

Monthly Savings Schedule

Month Quit survival prob Cigs avoided Direct spend avoided Replacement cost Healthcare offset Net saved Cumulative saved Investment balance
If relapse modeling is on, figures are expected values using monthly quit survival.

Example Data (inputs)

ParameterExample ValueNotes
Price per pack12Local store price.
Cigarettes per pack20Typical pack size.
Cigarettes per day15Use packs/day instead if preferred.
Inflation per year4%Assumed growth of cigarette prices.
Invest annual return6%Balanced long-run assumption.
NRT cost per day2Temporary replacement costs.
Replacement duration2 monthsAfter that, zero replacement cost.
Healthcare offset0 / monthAdd if premiums eventually drop.
CO₂ per cigarette14 gUser-adjustable assumption.
Horizon60 monthsFive-year projection.

How to use this calculator

  1. Optionally choose a country preset then adjust values.
  2. Enter price, pack size, and cigarettes/day or packs/day.
  3. Pick a quit date to see savings already accumulated.
  4. Choose horizon months for the projection length.
  5. Adjust price inflation and investment return assumptions.
  6. Optional: add replacement cost and duration, healthcare offset.
  7. Optional: enable relapse modeling for expected-value results.
  8. Click Calculate to update KPIs, schedule, and exports.

This tool provides financial estimates only and is not medical advice.

Formulas used

Daily spend previously

daily_spend = price_per_pack × (cigarettes_per_day ÷ pack_size)

If packs/day is provided, cigarettes/day = packs/day × pack_size.

Monthly avoided spend with inflation

month_days ≈ 365.25 ÷ 12

infl_m = (1 + inflation_annual)^(1/12) − 1

avoided_m = daily_spend × month_days × (1 + infl_m)^(m−1)

m is the month index (1..N).

Net monthly savings

net_m = avoided_m − replacement_cost_m + healthcare_offset_m

Replacement cost applies for the first chosen months.

Investment compounding

r_m = (1 + invest_annual)^(1/12) − 1

balance_0 = 0

balance_m = (balance_{m−1} + max(net_m,0)) × (1 + r_m)

Contributions made monthly and grown to end of horizon.

Relapse probability modeling (expected value)

S_0 = 1

p = relapse_monthly_probability

S_m = S_{m−1} × (1 − p)

expected_net_m = S_m × (avoided_m − replacement_cost_m + healthcare_offset_m)

expected_cigs_m = S_m × cigarettes_per_day × month_days

time_saved_minutes = expected_total_cigs × minutes_per_cigarette

CO₂_avoided_kg = (expected_total_cigs × grams_CO₂_per_cigarette) ÷ 1000

When enabled, schedule and KPIs use expected values scaled by survival.

FAQs

Use cigarettes/day directly or enter packs/day with decimals. The calculator converts automatically using your pack size.

They are user-set assumptions. Try a range, like 0–8% inflation and 0–8% returns, to see sensitivity across scenarios.

Patches, gum, lozenges, vapes, or coaching fees. Enter an average daily cost and duration in months.

Yes. Enter a monthly offset if your premiums or expenses may fall over time after quitting.

It uses an average month length of 365.25/12 days for simplicity. For precise day counts, shorten the horizon granularity.

No. It’s a financial projection tool. For quitting support, consult healthcare professionals or local cessation programs.
Results update on Calculate. Export schedule anytime.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.