S&P 500 ETF (SPY): return calculator
SPY holds the 500 largest US companies — one of the largest ETFs in the world.
Updated
- Type
- ETFs
- Market
- NYSE Arca
- Currency
- USD
- Sector
- indice
- Data range
- 2016-06 – 2026-07 · 10 years
- Source
- Marketstack
US$1,000 invested 10 years ago would be worth today
US$3,830
+283% total return
Try your own values in the calculators below.
Return calculator
Pick an amount and a period to see what an investment in S&P 500 ETF (SPY) would be worth today. By default we include reinvested dividends (total return).
Lump sum
What a one-off investment would be worth today.
Monthly investing (DCA)
What investing the same amount every month would be worth.
Estimate before taxes, fees and currency-conversion costs. Past performance does not guarantee future returns.
Investment growth
Performance
Data for the last 10 years · 2016-06 → 2026-07
Comparison with the market
US$1,000 invested vs Nasdaq-100 ETF (QQQ):
- S&P 500 ETF (SPY)
- US$3,970
- Nasdaq-100 ETF (QQQ)
- US$6,494
S&P 500 ETF (SPY) trailed Nasdaq-100 ETF (QQQ) over this period.
Risk & drawdowns
The largest peak-to-trough drop in the window was -23.9%. An investor who bought near the prior peak would have seen the investment fall significantly before recovering.
Scenarios
Illustrative results based on the available data.
US$1,000 5 years ago
US$1,728
lump sum, +72.8% return
US$100/mo for 5 years
US$9,087
invested US$6,100
If it repeats +14.7%/yr for 10 years
US$3,928
projection from US$1,000 (hypothetical)
About S&P 500 ETF (SPY)
The SPDR S&P 500 ETF Trust (SPY) tracks the S&P 500 index — the 500 largest US listed companies, weighted by market value. It is one of the oldest and most traded ETFs in the world and is often used as a gauge of US stock-market performance.
Because it is market-cap weighted, the largest technology companies carry a high weight. Investing in SPY gives exposure to hundreds of companies in a single position, which dilutes the risk of any individual stock.
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Frequently asked questions
How much did S&P 500 ETF (SPY) return over the last 10 years?
Do these calculations include dividends?
Do they include taxes or fees?
What currency are the values in?
Does past performance predict the future?
Sources & methodology
Prices: Marketstack. Monthly series, total return (dividends reinvested). Data through 2026-07-28.
Total return assumes dividends are reinvested; you can turn that off to see price-only appreciation. Values are estimates before taxes, fees and currency-conversion costs.
Page generated and reviewed by the Calculadora Capital editorial team. Last updated 2026-07-28.