Cigarettes cost more than your health. Enter how many you smoke and the price to see what it costs you — and what that money could become if you quit.
Fill in the details and click Calculate to see your results.
At ₹18 a cigarette, 10 a day costs about ₹5,500 a month and ₹65,700 a year. Over 20 years that is more than ₹13 lakh at today's prices — and prices rise with tax every year.
Invest the same monthly amount in a SIP at 10–12% instead and it can grow to ₹40–55 lakh in 20 years. The calculator shows both lines on one chart.
| Cigarettes a day | 10 a day |
| Price of one cigarette | ₹18 |
| Years you have smoked | 10 years |
| Look ahead | 20 years |
| Return if invested instead | 12 % a year |
| Cost per day | ₹180 |
| Cost per month | ₹5,479 |
| Cost per year | ₹65,700 |
| Spent in 10 years | ₹6,57,000 (at today's price) |
| Next 20 years if you keep smoking | ₹13,14,000 |
| If you quit and invest it at 12.0% | ₹54,74,531 in 20 years |
₹5,479 a month; invested instead: ₹54,74,531 in 20 years.
| Cigarettes a day | 5 a day |
| Price of one cigarette | ₹10 |
| Years you have smoked | 5 years |
| Look ahead | 10 years |
| Return if invested instead | 10 % a year |
| Cost per day | ₹50 |
| Cost per month | ₹1,522 |
| Cost per year | ₹18,250 |
| Spent in 5 years | ₹91,250 (at today's price) |
| Next 10 years if you keep smoking | ₹1,82,500 |
| If you quit and invest it at 10.0% | ₹3,14,372 in 10 years |
₹18,250 a year.
Popular king-size brands cost around ₹16–20 a stick in 2026, so a pack of 20 is ₹320–400. Enter the price you pay.
Money not spent on cigarettes can be invested. The calculator assumes you invest the monthly saving at the start of every month at the return you enter, compounded monthly.
No — it counts only the cigarettes. Smoking also raises insurance premiums and medical bills.