S&P 500 · DCA since 2019
$500/month in S&P 500 since 2019
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2019 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2019-01 to 2026-06...
$80,503
grown from $45,000 invested over 7.5 years. +$35,503 (+78.9%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2019-01-01 → 2026-06-29
- Duration
- 7.5 years
- Number of investments
- 90× $500.00 each
Results
- Total invested
- $45,00090 × $500.00
- Final value
- $80,503as of 2026-06-29
- Total return
- +$35,503+78.9%
- Annualized (IRR)
- 15.2%/yrcompounded over 7.5 years
What 2019 actually was: a year before COVID
Starting DCA in 2019 meant about one year of steady gains, then a 34 percent crash in five weeks as COVID shut the world down. Then one of the fastest recoveries in market history. DCA investors who didn't panic in March 2020 ended up with cheap purchases that powered the next several years of growth.
For a S&P 500 DCA buyer who started January 2019 with $500 a month, the schedule pulled in 90 purchases through 2026-06-29. Total invested: $45,000. Final value: $80,503. That works out to an annualized return of 15.2% 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.