S&P 500 Historical Return Calculator [With Dividends] – Of Dollars And Data (2024)

The S&P 500 calculator below provides both the nominal and inflation-adjusted price and total return (assuming dividend reinvestment) of U.S. stocks (i.e. the S&P 500) over any time period from January 1871 to the present (see the default “End Month” below for the latest date available).

The data comes from Robert Shiller’s website and does not account for taxes, fees, or transaction costs.


Nominal Price Return: %

Annualized: %

Investment Grew To:

Nominal Total Return (with dividends reinvested): %

Annualized: %

Investment Grew To:

Inflation-Adjusted Price Return: %

Annualized: %

Investment Grew To:

Inflation-Adjusted Total Return (with dividends reinvested): %

Annualized: %

Investment Grew To:

Best Practices

    • When utilizing the S&P 500 calculator for full year returns, use the same month for the start month and end month.
      • For example, if you wanted to know the 1-year S&P 500 return following the bottom of the Great Financial Crisis in March 2009, I’d recommend using March 2009 as the “Start Month” and March 2010 as the “End Month”. If you use February 2010 as the “End Month”, you would only have 11 months of data, which would be less accurate.
    • When calculating calendar year returns, I recommend using December for the “Start Month” and the “End Month”.
      • For example, if you wanted to know the 2022 calendar year return for the S&P 500, I’d recommend using December 2021 as the “Start Month” and December 2022 as the “End Month”.
      • Though the Shiller data uses the average price across the month, meaning that January 2022 to January 2023 should be roughly as accurate as December 2021 to December 2022, in practice I’ve found that December-to-December returns more closely match the actual calendar year returns for the S&P 500.
      • Due to Shiller’s calculation methodology, this calculator willneverbe able to replicate the actual calendar year returns for the S&P 500, but December-to-December returns will get you close.
    • For 1-month returns focus on the “End Month” not the “Start Month”.
      • For example, if you wanted the 1-month return in March 2009, you would set the “End Month” to March 2009 and the “Start Month” to February 2009.
    • Be careful when interpreting annualized returns over time periods of less than a year.
      • While the annualized return calculations will be accurate over any time period, they can be a bit exaggerated for time periods less than a year in length. For example, a one-month return of 5% would be roughly 80% on an annualized basis. This is mathematically accurate, but not necessarily informative.

Lastly, for all total return calculations, dividends are assumed to be reinvested on a monthly basis.

If you found this calculator helpful, check out my other calculators along with my book, Just Keep Buying, for proven ways to save money and build your wealth.

Disclosures

Historical return assumptions for U.S. stock market returns are based on monthly stock price, dividends, and earnings data and the consumer price index (to allow conversion to real values), all starting January 1871. The price, dividend, and earnings series are from the same sources as described in Chapter 26 of Robert Shiller’s book (Market Volatility [Cambridge, MA: MIT Press, 1989]), although he now uses monthly data, rather than annual data.

Monthly dividend and earnings data are computed from the S&P four-quarter totals for the quarter since 1926, with linear interpolation to monthly figures. Dividend and earnings data before 1926 are from Cowles and associates (Common Stock Indexes, 2nd ed. [Bloomington, Ind.: Principia Press, 1939]), interpolated from annual data. Stock price data are monthly averages of daily closing prices through January 2000, the last month available as this book goes to press.

The CPI-U (Consumer Price Index-All Urban Consumers) published by the U.S. Bureau of Labor Statistics begins in 1913; for years before 1913 1 spliced to the CPI Warren and Pearson’s price index, by multiplying it by the ratio of the indexes in January 1913. December 1999 and January 2000 values for the CPI-Uare extrapolated.

All data is sourced from Robert Shiller except the most recent month(s) which are estimated based on his calculation methodology.

An index is a hypothetical portfolio of securities representing a particular market or a segment of it used as indicator of the change in the securities market. Hypothetical performance is performance that was not actually achieved by any accounts. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio.

All investments involve some degree of risk, including loss of principal. There can be no assurances that any investment will be profitable or that you will achieve your investment goals. Your actual results will vary based upon your individual situation, when you invest, future market performance and other factors. Past performance does not guarantee future results. Analyses in this report indicating investment performance are based on past performance. Your portfolio’s performance may vary significantly from, and potentially be lower than, the performance presented.

S&P 500 Historical Return Calculator [With Dividends] – Of Dollars And Data (2024)

FAQs

What is the historical return of the S&P 500 with dividends? ›

S&P 500 Return Details
Return YearPrice ReturnDividend Return
202412.090.90
202324.232.06
2022-19.441.33
202126.891.82
93 more rows

What is the average return of the SP 500 with dividends reinvested? ›

The average yearly return of the S&P 500 is 10.52% over the last 30 years, as of the end of May 2024. This assumes dividends are reinvested. Adjusted for inflation, the 30-year average stock market return (including dividends) is 7.78%.

What is the 10 year return of the S&P 500 with dividends? ›

Basic Info. S&P 500 10 Year Return is at 178.6%, compared to 174.4% last month and 177.1% last year. This is higher than the long term average of 115.0%.

How much was $10,000 invested in the S&P 500 in 2000? ›

$10,000 invested in the S&P 500 at the beginning of 2000 would have grown to $32,527 over 20 years — an average return of 6.07% per year.

What is the S&P 500 monthly return with dividends? ›

S&P 500 Monthly Total Return is at 1.22%, compared to 3.59% last month and 3.21% last year. This is higher than the long term average of 0.73%. The S&P 500 Monthly Total Return is the investment return received each month, including dividends, when holding the S&P 500 index.

What is the historical average dividend yield of the S&P 500? ›

The S&P 500 index tracks some of the largest U.S. stocks, many of which pay a regular dividends. Reviewing the history of the S&P 500 dividend yield can provide insight into the stock market's direction. This is well under the index's long-run average yield of 2.91%.

What is the average return of the S&P 500 over the last 30 years? ›

Looking at the S&P 500 for the years 1993 to mid-2023, the average stock market return for the last 30 years is 9.90% (7.22% when adjusted for inflation).

How much money do I need to invest to make $3,000 a month? ›

Imagine you wish to amass $3000 monthly from your investments, amounting to $36,000 annually. If you park your funds in a savings account offering a 2% annual interest rate, you'd need to inject roughly $1.8 million into the account.

What is the safest investment with the highest return? ›

Here are the best low-risk investments in July 2024:
  • High-yield savings accounts.
  • Money market funds.
  • Short-term certificates of deposit.
  • Series I savings bonds.
  • Treasury bills, notes, bonds and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.
Jul 15, 2024

How much of S&P gains are from dividends? ›

return. Since 1926, dividends have contributed approximately 32% of total return for the S&P 500, while capital appreciations have contributed 68%.

What is the ROI of the S&P 500? ›

Basic Info. S&P 500 1 Year Return is at 20.34%, compared to 22.70% last month and 11.11% last year. This is higher than the long term average of 6.91%. The S&P 500 1 Year Return is the investment return received for a 1 year period, excluding dividends, when holding the S&P 500 index.

How much would I make if I invested in the S&P 500? ›

Since 1926, the average annual total return for the S&P 500, an unmanaged index of large U.S. stocks, has been about 10%. Investments that offer the potential for higher rates of return also come with a higher degree of risk.

How to double 10k quickly? ›

Extra Reading – Neighbor Review – Make Money Renting Out Your Storage Space.
  1. Invest In Stocks & ETFs. If you're still wondering how to double 10k quickly, one more traditional route would be to invest in stocks and ETFs. ...
  2. Fixed-Income Investing. ...
  3. Alternative Assets. ...
  4. Invest In Debt. ...
  5. Invest In Cryptocurrency.
Jul 24, 2024

What happens if you invest $100 000 in the S&P 500? ›

If you take your $100,000 and put it in an S&P 500 index fund, you could end up with over $1 million within 24 years if the index produces returns in line with its historical average. If you keep saving, you can get there even faster.

What will 100k be worth in 30 years? ›

Answer and Explanation: The amount of $100,000 will grow to $432,194.24 after 30 years at a 5% annual return. The amount of $100,000 will grow to $1,006,265.69 after 30 years at an 8% annual return.

What is the average dividend growth rate of the S&P 500? ›

Basic Info. S&P 500 Dividend Yield is at 1.32%, compared to 1.35% last month and 1.54% last year. This is lower than the long term average of 1.83%.

What is the 20 year average return on the S&P 500? ›

5-year, 10-year, 20-year and 30-year S&P 500 returns
Period (start-of-year to end-of-2023)Average annual S&P 500 return
15 years (2009-2023)12.63%
20 years (2004-2023)9.00%
25 years (1999-2023)7.18%
30 years (1994-2023)9.67%
2 more rows
May 3, 2024

What is the current dividend payout for the S&P 500? ›

S&P 500 Dividends Per Share is at a current level of 18.28, up from 18.06 last quarter and up from 17.13 one year ago.

How much does Vanguard S&P 500 ETF pay in dividends? ›

VOO dividend yield as of August 2024

Over the last five years, VOO's dividend yield has varied between a minimum of 1.22% and a maximum of 2.59%, with an average of 1.57%.

References

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