A quarter of smokers claim that the cost of their habit is a bigger motivator to quit than implications for their health.
And 34% said they feel guilty about the amount they spend on cigarettes, according to the British Heart Foundation (BHF).
A poll of 2,000 smokers found that 25% reported they are more inclined to kick the habit because of money over the effects on their long-term health.
As part of its 30th annual No Smoking Day campaign, the charity is calling on smokers to "swap fags for swag" and think about how much money they could save if they quit.
A person who smokes 20 cigarettes a day would save themselves £2,555 a year if they quit.
Dr Mike Knapton, associate medical director at the BHF, said: "These figures reveal the emotional burden smokers endure by feeling guilty about the impact their addiction has on family life and their finances. Fortunately, if you smoke and want to stop, we're here to help.