Vice Savings Calculator
Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up.
How the vice savings calculator works
It turns the weekly cost of a habit into a monthly figure and invests it at your return over the years you choose, revealing the financial reward of quitting — on top of any health benefit.
Worked example: with weekly cost of the habit of $60, annual return of 6.00% and years of 25, the vice savings calculator shows invested instead, it becomes of $180,178.
- Total set aside
- $78,000
- Investment growth
- $102,178
- Future value
- $180,178
- Monthly amount
- $260.00
The formula
Monthly saving = weekly cost × 52 ÷ 12, then grown at your rate of return each month.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the vice savings calculator
How much can quitting a habit save?
Often far more than people expect. A daily coffee or a pack-a-day habit can cost hundreds a month; invested over years, that becomes a substantial sum.
Does this include health savings?
No — it only counts the money spent on the habit. Reduced medical costs and insurance premiums from quitting would add to the benefit.
What habits does this apply to?
Any recurring discretionary spend — cigarettes, alcohol, daily coffee, lottery tickets or takeout. Enter the weekly cost of whichever you want to model.
Is the Vice Savings Calculator free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.