Savings tool

What Could I Buy Calculator

Translate habit savings into real-world purchase examples.

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Turn cigarette spending into something you want

Enter what smoking costs you each day to see what the same money could fund in a month, a year, and five years. Add the price of a personal goal to estimate how soon redirecting that spending could pay for it.

Formula and example

Time to goal = goal price ÷ daily smoking cost. At 12 per day, smoking costs about 360 per 30-day month and 4,380 per 365-day year. A 900 goal equals roughly 75 smoke-free days of redirected spending. The result assumes the entered daily cost stays constant and that you actually set the money aside.

Make the alternative visible

Name one specific goal—an emergency fund, course, trip, debt payment, or family purchase—and move the old smoking amount automatically. For a dated target, use the quit savings goal calculator; for total long-term costs, use the smoking cost calculator.

Frequently asked questions

What can cigarette money buy in a year?

Multiply your true daily cigarette spending by 365. The calculator does this and compares the total with your chosen goal.

Does the tool assume prices increase?

No. It uses the daily cost you enter and holds it constant, so future totals are estimates.

How do I make the savings real?

Consider transferring the amount you would have spent into a separate account or goal each day or week.