S&P 500 · DCA since 2024
$500/month in S&P 500 since 2024
What a monthly $500 dollar-cost average into S&P 500 would be worth today if you'd started in January 2024 and never stopped. Real adjusted closes, T+1 execution, no transaction fees modeled.
If you invested $500/month in S&P 500 from 2024-01 to 2026-09...
$20,958
grown from $16,500 invested over 2.7 years. +$4,458 (+27.02%)
Growth over time
Dashed: cumulative invested · Solid: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2024-01-01 → 2026-09-28
- Duration
- 2.7 years
- Number of investments
- 33× $500.00 each
Results
- Total invested
- $16,50033 × $500.00
- Final value
- $20,958as of 2026-09-28
- Total return
- +$4,458+27.02%
- Annualized (IRR)
- 17.83%/yrcompounded over 2.7 years
What 2024 actually was: at all-time highs
Starting DCA in 2024 means buying at or near all-time highs across most major indexes. History says this still works out fine on a 10-15 year horizon, but the first few years can feel discouraging if a correction arrives. The schedule is the strategy. Future buyers in 2025 and beyond will likely thank a 2024 starter for sticking with it.
For a S&P 500 DCA buyer who started January 2024 with $500 a month, the schedule pulled in 33 purchases through 2026-09-28. Total invested: $16,500. Final value: $20,958. That works out to an annualized return of 17.83% 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.