S&P 500 · DCA since 2007
$500/month in S&P 500 since 2007
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2007 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2007-01 to 2026-06...
$426,604
grown from $117,000 invested over 19.5 years. +$309,604 (+264.62%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2007-01-01 → 2026-06-26
- Duration
- 19.5 years
- Number of investments
- 234× $500.00 each
Results
- Total invested
- $117,000234 × $500.00
- Final value
- $426,604as of 2026-06-26
- Total return
- +$309,604+264.62%
- Annualized (IRR)
- 11.92%/yrcompounded over 19.5 years
What 2007 actually was: right before the financial crisis
If you started in January 2007, you bought near the absolute peak. The S&P 500 lost more than half its value within two years. A DCA from this date is the worst case for lump-sum investors but a stress test for the DCA approach: every dip from 2008 to 2009 turned into a low-price entry that paid off through the 2010s recovery.
For a S&P 500 DCA buyer who started January 2007 with $500 a month, the schedule pulled in 234 purchases through 2026-06-26. Total invested: $117,000. Final value: $426,604. That works out to an annualized return of 11.92% per year on the irregular cashflow series.
The numbers above use adjusted closing prices (dividends reinvested, splits applied) and apply a T+1 policy: when the 1st of the month landed on a weekend or holiday, the trade executed at the next trading day's close. Bitcoin pages execute on the exact scheduled date because crypto trades 24/7.
Change the numbers
Want to test a different amount, frequency, or end date? The full calculator has the same S&P 500 dataset behind it.