RSP Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in RSP ten years ago, at the end of Oct 2016, was worth $31,750 at the end of Oct 2026 with every distribution reinvested: 12.2% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $66,155 reinvested (10.6% a year), or $53,509 taking the distributions as cash, $7,237 of it paid out along the way.
RSP became
$66,155
S&P 500: $72,756
Return a year
10.6%
S&P 500: 11.1%
Payouts reinvested
$9,116
bought more shares
Worst drop
-51.2%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | RSP total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +15.3% | $734 | +11.7% |
| 2025 | +11.2% | $943 | +17.7% |
| 2024 | +12.8% | $785 | +24.9% |
| 2023 | +13.7% | $752 | +26.2% |
| 2022 | −11.6% | $720 | −18.2% |
| 2021 | +29.4% | $588 | +28.7% |
| 2020 | +12.7% | $594 | +18.3% |
| 2019 | +28.9% | $525 | +31.2% |
| 2018 | −7.8% | $484 | −4.6% |
| 2017 | +18.5% | $396 | +21.7% |
| 2016 | +14.5% | $270 | +12.0% |
| 2015 | −1.7% | $508 | +1.2% |
| 2014 | +15.1% | $461 | +13.5% |
| 2013 | +36.7% | $347 | +32.3% |
| 2012 | +18.6% | $345 | +16.0% |
| 2011 | +0.2% | $254 | +1.9% |
| 2010 | +21.5% | $146 | +15.1% |
| 2009 | +44.7% | $124 | +26.4% |
| 2008 | −40.0% | $141 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: RSP total return
Data as of · Source: SmarterDividends data
- $10,000 invested in RSP at the end of Dec 2007, with distributions reinvested, was worth $66,155 at the end of Oct 2026: 10.6% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, RSP turned $10,000 into $31,750 with distributions reinvested, 12.2% a year.
- Over the 5 years to Oct 2026, RSP returned 8.5% a year with distributions reinvested (S&P 500: 12.0%).
- Taking RSP's distributions as cash instead of reinvesting them, the same $10,000 ended at $53,509, including $7,237 of cash received; reinvesting added $12,646.
- RSP's best calendar year in that time was 2009 (44.7%) and its worst 2008 (-40.0%), with distributions reinvested.
Cite this page
SmarterDividends, "RSP Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/RSP/total-return
RSP total return questions
If I invested $10,000 in RSP 10 years ago, how much would I have?
About $31,750 at the end of Oct 2026, with every distribution reinvested: 12.2% a year. Taking them as cash, you'd have shares worth $26,770 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is RSP's total return since Dec 2007?
562% in total, or 10.6% a year, through Oct 2026 with distributions reinvested. The share price alone rose 363%.
How much of RSP's return came from distributions?
About 20% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $12,646 better off on a $10,000 start.
What was RSP's worst year?
2008, at -40.0% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -51.2%.
How is total return calculated here?
From month-end prices: the adjusted price counts every distribution reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.