S&P 500 · DCA since 2010
$500/month in S&P 500 since 2010
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2010 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2010-01 to 2026-06...
$316,325
grown from $99,000 invested over 16.5 years. +$217,325 (+219.52%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2010-01-01 → 2026-06-29
- Duration
- 16.5 years
- Number of investments
- 198× $500.00 each
Results
- Total invested
- $99,000198 × $500.00
- Final value
- $316,325as of 2026-06-29
- Total return
- +$217,325+219.52%
- Annualized (IRR)
- 12.85%/yrcompounded over 16.5 years
What 2010 actually was: into the post-crisis decade
By 2010 the worst was over, but no one was sure. Investors who started DCA that year stuck with it through the European debt crisis, the 2011 downgrade scare, and several flash crashes. They were rewarded with what turned out to be one of the strongest bull markets in modern history, running essentially uninterrupted until the 2020 pandemic.
For a S&P 500 DCA buyer who started January 2010 with $500 a month, the schedule pulled in 198 purchases through 2026-06-29. Total invested: $99,000. Final value: $316,325. That works out to an annualized return of 12.85% 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.