S&P 500 · DCA since 2015
$500/month in S&P 500 since 2015
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2015 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2015-01 to 2026-08...
$165,755
grown from $70,000 invested over 11.6 years. +$95,755 (+136.79%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2015-01-01 → 2026-08-12
- Duration
- 11.6 years
- Number of investments
- 140× $500.00 each
Results
- Total invested
- $70,000140 × $500.00
- Final value
- $165,755as of 2026-08-12
- Total return
- +$95,755+136.79%
- Annualized (IRR)
- 14.06%/yrcompounded over 11.6 years
What 2015 actually was: through a flat year
The 2015 start coincided with a sideways year — the index ended roughly where it began. For DCA, that flatness was a gift: months of buying without prices running away. The payoff came over the next decade, as the market broke out again in 2017 and then again post-pandemic.
For a S&P 500 DCA buyer who started January 2015 with $500 a month, the schedule pulled in 140 purchases through 2026-08-12. Total invested: $70,000. Final value: $165,755. That works out to an annualized return of 14.06% 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.