What if you invested in S&P 500 (SPY) in 2010?
SPY · Index · Data through 2026-06-01
If you invested $1,000 in S&P 500 (SPY) in 2010
The same $1,000 in the S&P 500 would be worth $9,294(+829.4%)
The S&P 500 returned $9,294 on the same $1,000. S&P 500 outperformed by $0.
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What if S&P 500 (SPY) keeps this up?
Project forward at S&P 500 (SPY)'s 14.4% historical growth rate. See 5-30 year scenarios.
Growth of $1,000
S&P 500 (SPY) vs. S&P 500 vs. US Dollar, 2010 to present
Year-by-Year Returns
$1,000 invested in S&P 500 (SPY) starting January 2010
| Year | Price | Value | Annual |
|---|---|---|---|
| 2010 | $80.15 | $1,000 | - |
| 2011 | $97.92 | $1,222 | +22.2% |
| 2012 | $102.02 | $1,273 | +4.2% |
| 2013 | $118.88 | $1,483 | +16.5% |
| 2014 | $144.36 | $1,801 | +21.4% |
| 2015 | $164.75 | $2,056 | +14.1% |
| 2016 | $163.32 | $2,038 | -0.9% |
| 2017 | $195.94 | $2,445 | +20% |
| 2018 | $247.48 | $3,088 | +26.3% |
| 2019 | $241.47 | $3,013 | -2.4% |
| 2020 | $293.26 | $3,659 | +21.4% |
| 2021 | $343.63 | $4,288 | +17.2% |
| 2022 | $423.33 | $5,282 | +23.2% |
| 2023 | $388.67 | $4,850 | -8.2% |
| 2024 | $468.74 | $5,849 | +20.6% |
| 2025 | $591.69 | $7,383 | +26.2% |
| 2026 | $688.31 | $8,588 | +16.3% |
What this return means
A $1,000 stake in S&P 500 (SPY) from 2010 has grown to $9,294. That is a +829.4% gain, a little over 9.3x your money, measured to 2026-06-01.
That is about 14.4% a year compounded, broadly in line with long-run stock market averages. Because this is a broad S&P 500 fund, it is the benchmark here rather than something measured against it.
The year-by-year record shows how bumpy the ride was. The best single year was 2018 at +26.3%, and the worst was 2023 at -8.2%. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
None of this is a recommendation. It is a record of what already happened, and 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 S&P 500 (SPY) at the close of every month from January 2010 through June 2026 means 198 buys and $19,800 contributed over about 16.5 years.
$100/month, dollar-cost averaged
$75,472
+281.2% on $19,800 in
Same $19,800, all in at the start
$184,005
+829.3% on $19,800 in
Going all in at the start beat spreading the buys out by $108,534. That is the usual result when a stock trends up: each monthly buy pays a higher price than the last, so the average cost climbs. Averaging in also meant an average buy price of $195.41 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 SPY split-adjusted monthly closes through June 2026. Past performance does not guarantee future results.
S&P 500 (SPY) at different times
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Numbers worth sharing
Occasional data drops when something interesting surfaces. No schedule, just signal.
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.