Stop Smoking and Save Calculator

After doing my "cheap lunch" calculator, Bob Farrell suggested a "stop smoking" calculator. This sounded like a good idea, even though I realized as a non-smoker that I had no idea how much cigarettes cost these days. Luckily Bob told me a pack costs about $2.50 where he lives (Richmond, VA), but they can be a lot more elsewhere.

My default investment return is 10.5% (the 70 year average for the S&P 500). I won't even mention the 20+% returns of late, but I will let you increase the return up to 50% for fun.

Have fun!

Cigarette Price per Pack: $
Packs Smoked Per Day:
Smoking Days per year
Years to Calculate
Investment Yield: %

Yield must be between 4 and 50 % with default of 10.5%

YearStarting BalanceEarningsNon-Smoking Savings Ending Balance
1 0.00 0.00 875.00 875.00
2 875.00 91.88 875.00 1841.88
3 1841.88 193.40 875.00 2910.27
4 2910.27 305.58 875.00 4090.85
5 4090.85 429.54 875.00 5395.39
6 5395.39 566.52 875.00 6836.91
7 6836.91 717.88 875.00 8429.78
8 8429.78 885.13 875.00 10189.91
9 10189.91 1069.94 875.00 12134.85
10 12134.85 1274.16 875.00 14284.01
To Calculators