This tool helps you understand the true financial and health cost of habits like smoking, drinking alcohol, and using tobacco products. Enter your daily or monthly spend and how long you've had the habit — we calculate the total money lost, future savings if you quit, and the real items you could have bought.
All calculations happen in your browser. No data is stored or sent to any server.
How is the total cost calculated?
We convert your spend to a daily amount, then multiply by 365 × years. The future savings are simply your yearly spend × years remaining (till age 60 or your target).
Is the health risk information accurate?
The health risks listed are based on established medical research from WHO, ICMR and major health bodies. They are general risks associated with each habit and not personalised medical advice.
Does quitting really save this much?
Yes — these are direct savings from not spending on the habit. If you invest that money in a SIP at 12% returns, the actual amount grows much more. The calculator shows conservative direct savings only.
Does this tool store any of my data?
No. Everything runs in your browser. No data leaves your device. No account needed. Completely free to use.