S&P 500 · DCA since 2017
$500/month in S&P 500 since 2017
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2017 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2017-01 to 2026-06...
$113,746
grown from $57,000 invested over 9.5 years. +$56,746 (+99.56%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2017-01-01 → 2026-06-26
- Duration
- 9.5 years
- Number of investments
- 114× $500.00 each
Results
- Total invested
- $57,000114 × $500.00
- Final value
- $113,746as of 2026-06-26
- Total return
- +$56,746+99.56%
- Annualized (IRR)
- 14.03%/yrcompounded over 9.5 years
What 2017 actually was: into the calmest year on record
2017 was one of the lowest-volatility years in market history. The index drifted up almost every month. DCA investors who started here had a boring, profitable first year — then 2018's Q4 selloff, 2020's COVID crash, and 2022's bear market reminded everyone that boring is the exception, not the rule.
For a S&P 500 DCA buyer who started January 2017 with $500 a month, the schedule pulled in 114 purchases through 2026-06-26. Total invested: $57,000. Final value: $113,746. That works out to an annualized return of 14.03% 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.