OriginaveWhat if you invested $10,000 in SPY?
SPDR S&P 500 ETF Trust: what $10,000 — or any amount — actually became, on real price history with dividends reinvested.
The short answer
$10,000 put into SPY 10 years ago would be worth about $40,321 today — +303.21% in total, or +14.97% per year with dividends reinvested.
SPY is the SPDR S&P 500 ETF Trust, tracking the S&P 500 Index. Prices run to Jul 2026.
If you had invested $10,000 in SPY…
| Invested | Worth today | Total return | Per year |
|---|---|---|---|
| 1 year ago (Jul 2025) | $11,966 | +19.66% | +19.68% |
| 3 years ago (Jul 2023) | $17,113 | +71.13% | +19.61% |
| 5 years ago (Jul 2021) | $18,714 | +87.14% | +13.37% |
| 10 years ago (Jul 2016) | $40,321 | +303.21% | +14.97% |
| 15 years ago (Jul 2011) | $74,096 | +640.96% | +14.29% |
| 20 years ago (Jul 2006) | $87,030 | +770.30% | +11.43% |
| At launch (Jan 1993) | $308,250 | +2982.50% | +10.79% |
Dividends reinvested, no fees or taxes. "Per year" is the compound annual growth rate over each window.
Try your own numbers
Frequently asked
What if I invested $10,000 in SPY 10 years ago?
$10,000 put into SPY 10 years ago would be worth about $40,321 today — +303.21% in total, or +14.97% per year with dividends reinvested.
What if I invested $1,000 in SPY 10 years ago?
$1,000 is one tenth of the example above: it would have grown to about $4,032 over the same 10 years — returns scale linearly, only the number of shares differs.
What would $10,000 in SPY 5 years ago be worth today?
$10,000 put into SPY 5 years ago would be worth about $18,714 today — +87.14% in total, or +13.37% per year with dividends reinvested.
How much would $10,000 invested in SPY at launch be worth?
$10,000 put into SPY at its launch in Jan 1993 would be worth about $308,250 today — +2982.50% in total, or +10.79% per year with dividends reinvested.
How are these numbers calculated?
The figures use SPY's real daily price history with dividends reinvested, up to Jul 2026. They ignore broker fees and taxes, and past returns don't promise future ones.
Keep digging
The full SPY story — TER, fund facts and yearly returns — lives on the SPY fund page.