Vice · a habit, redirected
A pack a day, redirected
A pack a day is about $10 now — roughly $3,650 a year. Here's the calm version where that same money compounds instead.
$10 a day on a pack, set aside since 2015
$38,656 spent
could have grown into
$83,378
in the S&P 500 · grew 2.16× · +116%
This isn't a health lecture — you already know that part. It's just the money. A pack a day runs close to ten dollars now, the national average, which is about three thousand six hundred and fifty dollars a year leaving your pocket in singles. Picture that same daily ten dollars going into a broad index fund instead, on the same schedule, for the same years. Nothing else about your life changes.
The growth on screen came from the asset, not from the act of quitting — redirecting the cash is the only move, and the market does the rest. To see how small, steady buys stack up, read dollar-cost averaging, or run the live figures on the S&P 500 since 2015.
The same $304/mo, across assets
Only assets with data for the whole window — no unearned head starts.
Not your number? Change the spend, the asset, or the year and watch it move.
You'd have
$83,378
from $38,656 set aside — up 116%.
— — — dashed line = total cash you put in
Common questions
- Where does the $10 a day come from?
- It's roughly the 2026 national average for a pack — about $10, or ~$3,650 over a year. You can set your own price with the interactive control on the page.
- Does the growth depend on me quitting?
- The growth comes from the asset, not the quitting. Stopping just frees the money; the market is what compounds it. This is a historical what-if using past prices, not advice — markets fall as well as rise.