Financial Calculators by Paper-Trader

Calculate what happens to your money

Here's a range of financial calculators that you are free to use. Some are a bit of fun, others quite serious.

Save and Surf when you stop Smoking!

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.

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: %

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

YearStarting BalanceEarningsNon-Smoking Savings Ending Balance
1 0.00 0.00 3500.00 3500.00
2 3500.00 367.50 3500.00 7367.50
3 7367.50 773.59 3500.00 11641.09
4 11641.09 1222.31 3500.00 16363.40
5 16363.40 1718.16 3500.00 21581.56
6 21581.56 2266.06 3500.00 27347.62
7 27347.62 2871.50 3500.00 33719.12
8 33719.12 3540.51 3500.00 40759.63
9 40759.63 4279.76 3500.00 48539.39
10 48539.39 5096.64 3500.00 57136.03
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