โ ๏ธ SMOKING KILLS โ and it burns your money too. The cost of smoking Australia-wide starts with the world’s highest cigarette prices, which means quitting delivers a life-changing pay rise. Free help to quit: Quitline 13 78 48 or quit.org.au.

What smoking costs your wallet
With a pack of 25 cigarettes commonly costing $40โ$55+ in Australia, the numbers are staggering:
- Half a pack a day: roughly $7,500โ$10,000 per year
- A pack a day: roughly $15,000โ$20,000 per year
- Over 10 years: $150,000โ$200,000 โ a house deposit, gone in smoke
- Over 30 years: potentially half a million dollars, before counting interest
Had that money been invested instead, a pack-a-day smoker could be hundreds of thousands of dollars wealthier in retirement. Try the savings calculator on quit.org.au โ the number shocks most people.
Hidden financial costs
- Higher insurance premiums โ smokers pay far more for life, health and income protection insurance.
- Medical bills โ from GP visits and medications to hospital stays for smoking-caused diseases.
- Lost income โ more sick days and earlier forced retirement through illness.
- Cleaning and damage โ smoke-damaged clothes, cars, homes and deposits lost on rentals.
- Higher vaping costs for dual users โ many smokers who vape end up paying for both (see Vaping vs Smoking).
What smoking costs your health
No amount of money buys back health: around 10 years of life expectancy lost on average, decades of poorer breathing and energy, and high risks of cancer, heart disease, stroke and emphysema โ detailed in Smoking Kills: The Real Health Cost and How Smoking Damages Your Lungs, Heart and Brain.
What quitting pays you back
- Day 1: $40โ$55+ saved โ enough for a family dinner out.
- Month 1: $1,200โ$1,700 โ a weekend away.
- Year 1: $15,000โ$20,000 โ a car, a holiday, or serious debt reduction.
- Plus: better health within hours (see the quit timeline), better skin, teeth and fitness, and a smoke-free home for your kids (see secondhand smoke).
Tip: set up an automatic transfer of your old “cigarette money” into a separate savings account on quit day. Watching it grow is powerful motivation.
Cost of Smoking Australia: Ready to Save Both?
Follow How to Quit Smoking in Australia: A Step-by-Step Guide and visit our Quit Smoking Support page. Every smoke-free day pays you twice โ in health and in dollars.
Related reading
- How to Quit Smoking in Australia: A Step-by-Step Guide
- What Happens to Your Body When You Quit (Timeline)
- Smoking Kills: The Real Health Cost of Every Cigarette
- Smoking and Mental Health: Breaking the Stress Myth
The cost of smoking Australia-wide is measured in dollars and years of life. Start saving both with free quit support and smoking FAQs.
Remember: understanding cost of smoking australia is the first step to protecting yourself and the people you love.
Cost of Smoking โ Key Takeaway
The cost of smoking is measured in dollars and years of life: over $15,000 a year and a decade of life expectancy for pack-a-day smokers. Redirect the cost of smoking into savings from your quit date โ set up an auto-transfer, watch it grow, and call Quitline 13 78 48 to make it permanent.
Turn the cost of smoking into the savings of quitting: open a separate account, auto-transfer your old cigarette money weekly, and watch freedom grow. Then call Quitline 13 78 48 and make this the year you quit for good.
Start saving today: your health and wallet win together.
Smoking kills. Strictly 18+. For free help to quit, call Quitline on 13 78 48 or visit quit.org.au.



