S&P 500 · DCA since 2020
$500/month in S&P 500 since 2020
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2020 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2020-01 to 2026-06...
$64,173
grown from $39,000 invested over 6.5 years. +$25,173 (+64.55%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2020-01-01 → 2026-06-26
- Duration
- 6.5 years
- Number of investments
- 78× $500.00 each
Results
- Total invested
- $39,00078 × $500.00
- Final value
- $64,173as of 2026-06-26
- Total return
- +$25,173+64.55%
- Annualized (IRR)
- 15.19%/yrcompounded over 6.5 years
What 2020 actually was: through the COVID crash
Few starting years are more dramatic than 2020. The market crashed 34 percent in 33 days, then recovered to all-time highs within six months, then ran another 50 percent higher through 2021. DCA buyers who started in early 2020 bought the bottom of the COVID crash whether they intended to or not. The schedule did the work.
For a S&P 500 DCA buyer who started January 2020 with $500 a month, the schedule pulled in 78 purchases through 2026-06-26. Total invested: $39,000. Final value: $64,173. That works out to an annualized return of 15.19% 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.