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Vanguard Total US Market ETF (VTI): return calculator

VTI holds nearly the entire US stock market at a very low cost.

US$374.68Latest price · 14 Sept 2026 close

Updated

Type
ETFs
Market
NYSE Arca
Currency
USD
Sector
Index
Data range
2020-06 – 2026-09 · 6 years
Source
Marketstack

US$1,000 invested 6 years ago would be worth today

US$2,200

+120% total return

Try your own values in the calculators below.

Return calculator

Pick an amount and a period to see what an investment in Vanguard Total US Market ETF (VTI) would be worth today. By default we include reinvested dividends (total return).

Lump sum

What a one-off investment would be worth today.

Value today
US$1,687
Total return
+68.7%
Annualised return
+11%

Monthly investing (DCA)

What investing the same amount every month would be worth.

Value today
US$9,043
Profit
US$2,943
Total invested
US$6,100

Estimate before taxes, fees and currency-conversion costs. Past performance does not guarantee future returns.

Investment growth

US$1,000US$2,394
Growth of US$1,000 invested, 2020-06 to 2026-09.

Performance

Annualised return
+15%
Best year (2023)
+24%
Worst year (2022)
-21%
Largest drop
-25.7%

Data for the last 6 years · 2020-06 → 2026-09

Comparison with the market

US$1,000 invested vs S&P 500 ETF (SPY):

Vanguard Total US Market ETF (VTI)
US$2,394
S&P 500 ETF (SPY)
US$2,562

Vanguard Total US Market ETF (VTI) trailed S&P 500 ETF (SPY) over this period.

Risk & drawdowns

The largest peak-to-trough drop in the window was -25.7%. 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$1,687

    lump sum, +68.7% return

  • US$100/mo for 5 years

    US$9,043

    invested US$6,100

  • If it repeats +15%/yr for 10 years

    US$4,042

    projection from US$1,000 (hypothetical)

About Vanguard Total US Market ETF (VTI)

The Vanguard Total Stock Market ETF (VTI) tracks nearly the entire US stock market — thousands of large, mid and small companies — at a very low fee. It is broader than the S&P 500, which only includes the 500 largest.

Because it is market-cap weighted, performance is dominated by the same large technology companies that lead the S&P 500.

Related calculators

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Frequently asked questions

How much did Vanguard Total US Market ETF (VTI) return over the last 6 years?
+139.4% in total, or about +15% per year, on a total-return basis (dividends reinvested), between 2020-06 and 2026-09.
Do these calculations include dividends?
By default yes (total return). Turn off "include dividends" to see price-only appreciation.
Do they include taxes or fees?
No. These are estimates before taxes, broker fees and currency-conversion costs.
What currency are the values in?
USD. A euro-based investor also carries EUR/USD currency risk, not reflected here.
Does past performance predict the future?
No. Past performance does not guarantee future returns; this is educational information, not advice.

Sources & methodology

Prices: Marketstack. Monthly series, total return (dividends reinvested). Data through 2026-09-14.

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 2026-09-14.