What if you invested in SoFi in 2021?
SOFI · Financial · Data through 2026-06-01
If you invested $1,000 in SoFi in 2021
The same $1,000 in the S&P 500 would be worth $2,168(+116.8%)
The S&P 500 returned $2,168 on the same $1,000. S&P 500 outperformed by $1,454.
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See how SoFi stacks up since 2021, head to head.
What if SoFi keeps this up?
Project forward with custom growth rates. See 5-30 year scenarios.
Growth of $1,000
SoFi vs. S&P 500 vs. US Dollar, 2021 to present
Year-by-Year Returns
$1,000 invested in SoFi starting January 2021
| Year | Price | Value | Annual |
|---|---|---|---|
| 2021 | $25.14 | $1,000 | - |
| 2022 | $12.48 | $496 | -50.4% |
| 2023 | $6.93 | $276 | -44.5% |
| 2024 | $7.83 | $311 | +13% |
| 2025 | $15.78 | $628 | +101.5% |
| 2026 | $22.81 | $907 | +44.6% |
What this return means
SoFi (SOFI) is one of the losers in this dataset. That stake is worth $713 as of 2026-06-01, a -28.7% move that left you with less than you started with after 5.6 years.
That averages out to -5.9% a year, meaning the position shrank in compound terms across the 5.6-year window. A plain S&P 500 fund would have grown that $1,000 to about $2,168 instead, beating SoFi by around $1,454. The index compounded at about 14.9% a year, a reminder that a single stock can lag a basket of them.
Getting here meant sitting through real volatility. The best single year was 2025 at +101.5%, and the worst was 2022 at -50.4%. At its lowest point the position was down about 72% from an earlier high. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
Treat this as history rather than advice. Past performance does not guarantee future results.
What if you invested $100 a month instead?
Most people do not drop a lump sum in on day one. They add a fixed amount every month. Putting $100 into SoFi at the close of every month from January 2021 through June 2026 means 66 buys and $6,600 contributed over about 5.5 years.
$100/month, dollar-cost averaged
$11,793
+78.7% on $6,600 in
Same $6,600, all in at the start
$4,707
-28.7% on $6,600 in
Spreading the buys out beat going all in at the start by $7,086. That happens when the price spent time below where it began, so averaging in caught the cheaper months. Averaging in also meant an average buy price of $10.03 per share across the whole stretch, so the monthly buyer never had to time a single low. Neither number counts dividends, taxes, or trading costs.
Illustrative fixed $100/month example, not a recommendation. Figures are computed from SOFI split-adjusted monthly closes through June 2026. Past performance does not guarantee future results.
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For informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. All calculations are based on split-adjusted closing prices from Yahoo Finance and do not account for dividends, taxes, or trading fees. See our methodology and full disclaimer.