Smoking Cost & Quit-Savings Calculator
The financial cost of smoking adds up faster than most people think — a pack a day can easily reach six figures in HKD over a decade. Enter cigarettes per day, price per pack and years smoked to see your daily, weekly, monthly and annual spend plus cumulative cost so far; add an expected annual return to see what those redirected packs could grow to over 10 years if invested.
Enter 0–200 cigarettes/day, a price of 0–10000, 0–80 years and 0–20% return.
Per day
—
Per week
—
Per month
—
Per year
—
Spent so far
—
If you quit today — 10-year compounded
—
For reference only — pack prices vary by tax, brand and country, and returns are not guaranteed.
Formula
annual cost = (cigs/day ÷ 20) × pack price × 365.25; future value = monthly contribution × ((1 + r)^n − 1) / r where r = annual rate ÷ 12 and n = months
- · In Hong Kong (Dutiable Commodities Ordinance Cap. 109, 2025), tobacco duty is HK$3 306 per 1 000 sticks, putting most 20-pack brands around HK$80–95 retail. Default assumes one pack = HK$80.
- · The math assumes 1 pack = 20 cigarettes; adjust the price if your market uses a different pack size.
- · 365.25 days/year captures leap years; monthly = annual ÷ 12 and weekly = daily × 7.
- · The "invested" figure uses the standard future-value-of-annuity formula with monthly contributions and monthly compounding; real returns are never guaranteed and a 0% rate falls back to plain savings.
- · The quit-comparison horizon is fixed at 10 years — a recognisable "what would I have if I stopped today?" benchmark. Edit the URL params to share custom scenarios.
- · Sources: HK Customs tobacco-tax schedule (2024 update); HKSAR 2024 Budget tobacco-duty hike; Hong Kong Council on Smoking and Health; standard annuity formula from corporate-finance texts (e.g. Brealey & Myers).
Frequently asked
Why 365.25 days a year instead of 365?
A leap cycle is 4 × 365 + 1 = 1 461 days, so 365.25 is the long-run average used in finance, insurance and annualised metrics — it sidesteps the every-fourth-year correction. The effect is small at one year but adds up over a 10–30-year horizon.
Is the compounded "invested" figure too optimistic?
It depends on the rate you enter. HKD time deposits in 2024–2025 paid roughly 3–4%; the Hang Seng has averaged ~6–7% long-run (with dividends), and the S&P 500 ~7–10% historically. The tool uses an annuity future-value formula assuming on-time monthly contributions and a constant return; real markets fluctuate. Use 0% (plain savings) or 2–3% for a conservative estimate.
Where can I find quit-smoking support in Hong Kong?
Hong Kong Department of Health Integrated Smoking Cessation Hotline: 1833 183 (24-hour, with live counsellors Mon–Fri 09:00–17:30). Free cessation clinics run by the Hospital Authority, family-medicine centres, the HKU Youth Quitline (2855 9557) and the Hong Kong Council on Smoking and Health (COSH, smokefree.hk) all offer counselling and medication support.
What about e-cigarettes and heated-tobacco products?
The tool is built for combustible cigarettes since pack/stick units and prices are standardised. For e-cigarettes or heated-tobacco pods — where regulation and pricing vary widely — you can re-purpose the "pack price" field as your daily-equivalent spend and keep years smoked the same; the daily/weekly/monthly/yearly figures still hold, though the "packs per day" label will not apply.
Related tools
Tip & Service Charge Calculator
Hong Kong service charge, extra tipping and bill-splitting in one tool.
Electricity Bill Calculator
Estimate monthly bill using the latest CLP / HKE tariff.
Fuel Cost Calculator
Estimate the fuel cost of a trip from distance, vehicle consumption and fuel price (one-way or round-trip).
Bill Splitter (round-up edition)
Enter the bill, service charge, tip and party size to get each person’s share — then round each share up to the nearest $1 / $5 / $10 / $20 / $50 to make cash collection painless.
Discount Calculator
Enter the original price and a percent off (or fixed amount off) to see the final price, money saved and effective discount.
Cooking Measurement Converter
Convert between cups, tablespoons, teaspoons, millilitres, ounces and grams — for following overseas recipes or halving / doubling portions.
Unit Price Comparison Calculator
Compare two products by price-per-unit (per g, kg, ml, L or each). Enter price + amount + unit for each — see which is cheaper and by how much.
Hourly ↔ Salary Converter
Convert hourly wage to monthly / annual salary or back — with customisable hours per week and weeks worked per year. Works for part-time, freelance and salaried jobs.
Dog Age Calculator (Dog Years to Human Years)
Estimate a dog's human-equivalent age from its actual age and size (small / medium / large / giant), with both the classic "×7" rule and modern research curves side by side.
Pizza Order Calculator
How many people, how hungry, and how many slices per pizza? Get the exact number of pizzas to order — no leftovers, no shortages.
Tile / Flooring Calculator
Enter room dimensions and tile size to estimate the number of tiles needed (including a configurable waste allowance) — for floor or wall jobs.
Paint Coverage Calculator
From room length, width and height, door and window area, paint coverage per litre and the number of coats, estimate how many litres of paint you need.
Coffee Brew Ratio Calculator
Pick a brew method (pour-over, French press, cold brew or espresso) and a desired output, and get the exact coffee dose and water weight to match the recommended ratio.
Wallpaper Rolls Calculator
Enter the room size, roll dimensions and pattern repeat to get the number of wallpaper rolls to order (with pattern-match waste included).
Roof Pitch Calculator
Convert any roof rise / run into the X-in-12 pitch notation used by builders, plus the slope angle in degrees, slope percentage and the rafter-length multiplier.
Concrete Slab Volume Calculator
Enter slab length, width and thickness with a waste factor and get the concrete volume (m³, yd³, ft³) plus the approximate number of 25 kg, 40 kg or 80 lb pre-mix bags required.
Stair Stringer / Step Calculator
Enter total rise and a target riser height to get the number of risers, actual riser height, tread depth, stringer length, pitch and a side-by-side compliance check against the IRC, IBC and UK Approved Document K.
Air Conditioner BTU Sizing Calculator
Enter room area, ceiling height, sun exposure, occupants and climate to find the recommended air-conditioner BTU rating / horsepower.
Wedding Anniversary Year Calculator
Enter your wedding date to see the anniversary number, days until the next one, and the traditional / modern gift theme (paper, silver, gold…).
Oven Temperature Converter (°C / °F / Gas Mark)
Convert oven temperatures between Celsius, Fahrenheit and British gas marks, with descriptive labels (slow / moderate / hot / very hot).