Let’s say the cost of a cup of Tea (in Hyderabad) or say a cigarette, is 10. And assume, you are consuming once per day. The cost adds up to Rs. 300 per month and Rs. 3,650 per year. If you compound it for next 35 years (assuming your age is 25 and you retire at 60), the total sum would be Rs. 33,30,000. If you account for the inflation of Tea or Cigarette (assuming inflation remains constant at 6%), the resulting sum will be much more.
Use the below calculator to estimate your future earnings if you cut down the costs today.
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