How much you save after 5 years of not smoking
Saved $15,312 — or $18,844 if invested at 7%. Run your own numbers below.
at 20 cigarettes a day · $8.39 per pack · United States
What if you invested it instead?
30-year growth · $3,062/year at 7%
compounded annuallySet a goal and track your savings progress toward it.
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5 years is where the number stops being small.
At 5 years, the savings are no longer abstract. $15,312 is a car, a down payment, or the start of a fund that compounds on its own.
After 5 years of not smoking, the savings are no longer a hypothetical. $15,312 at the register, $18,844 in an index fund. The compounding only shows up if the money is moved somewhere — a savings account, a brokerage, a Roth IRA — and left alone. The hardest part is the first transfer.
The calculator above takes your actual cigarettes-per-day and local pack price, so the number you see is yours, not the average. Adjust the inputs and the headline figure updates with them.
Frequently asked questions
The numbers, the math, and what they assume.