Vice Savings Calculator

Add up to three habits, such as smoking, drinking or gambling, say what each costs and how much you’ll cut it, and see what the money you keep could grow to and how soon it reaches a goal. Pair this with the savings calculator for a fuller picture before you make a decision.

Your habits

Enter what each habit costs you now and how much you plan to cut it. Leave the cost blank for habits you don’t need.

Habit 1

You spend

How often

Cut it by

100% means quitting completely.

Habit 2

You spend

How often

Cut it by

100% means quitting completely.

Habit 3

You spend

How often

Cut it by

100% means quitting completely.

Annual return on the money saved

Use 0 to keep it in cash.

Years

yrs

Something to save for (optional)

A trip, an emergency fund, a car. We’ll show how soon the savings get you there.

More options

Yearly price increase of the habit

Prices of cigarettes, drinks and the like tend to rise, so each year you avoid a slightly bigger cost. 0 keeps today’s prices.

Savings are invested at the end of each month and grow with monthly compounding.

What cutting back is worth

Invested value

–

Saved each month

–

Saved in the first year

–

Goal reached in

–

Money not spent–

Investment growth–

Spent on these habits now, per month–

Still spent after cutting, per month–

By habit

Habit	Saved per month	Worth at the end

Year by year

The money you keep, and what it grows to if you invest it.

Year	Saved that year	Saved so far	Growth so far	Balance

Results are estimates for educational purposes and are not financial, tax or legal advice.