Royal Bank of Canada (RY) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Royal Bank of Canada (RY) ten years ago, at the end of Oct 2016, was worth $47,117 at the end of Oct 2026 with every dividend reinvested: 16.8% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $83,086 reinvested (11.9% a year), or $50,883 taking the dividends as cash, $11,114 of it paid out along the way.
RY became
$83,086
S&P 500: $72,756
Return a year
11.9%
S&P 500: 11.1%
Payouts reinvested
$17,591
bought more shares
Worst drop
-50.8%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | RY total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +22.2% | $1,998 | +11.7% |
| 2025 | +46.3% | $1,689 | +17.7% |
| 2024 | +23.8% | $1,533 | +24.9% |
| 2023 | +12.2% | $1,450 | +26.2% |
| 2022 | −8.0% | $1,333 | −18.2% |
| 2021 | +34.1% | $1,164 | +28.7% |
| 2020 | +8.4% | $1,022 | +18.3% |
| 2019 | +20.2% | $951 | +31.2% |
| 2018 | −12.9% | $876 | −4.6% |
| 2017 | +25.0% | $768 | +21.7% |
| 2016 | +31.8% | $691 | +12.0% |
| 2015 | −19.2% | $639 | +1.2% |
| 2014 | +6.6% | $656 | +13.5% |
| 2013 | +16.0% | $615 | +32.3% |
| 2012 | +23.3% | $534 | +16.0% |
| 2011 | +1.2% | $484 | +1.9% |
| 2010 | +1.4% | $423 | +15.1% |
| 2009 | +89.2% | $371 | +26.4% |
| 2008 | −39.3% | $394 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: RY total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Royal Bank of Canada (RY) at the end of Dec 2007, with dividends reinvested, was worth $83,086 at the end of Oct 2026: 11.9% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, RY turned $10,000 into $47,117 with dividends reinvested, 16.8% a year.
- Over the 5 years to Oct 2026, RY returned 18.4% a year with dividends reinvested (S&P 500: 12.0%).
- Taking RY's dividends as cash instead of reinvesting them, the same $10,000 ended at $50,883, including $11,114 of cash received; reinvesting added $32,203.
- RY's best calendar year in that time was 2009 (89.2%) and its worst 2008 (-39.3%), with dividends reinvested.
Cite this page
SmarterDividends, "Royal Bank of Canada (RY) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/RY/total-return
RY total return questions
If I invested $10,000 in RY 10 years ago, how much would I have?
About $47,117 at the end of Oct 2026, with every dividend reinvested: 16.8% a year. Taking them as cash, you'd have shares worth $32,487 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is RY's total return since Dec 2007?
731% in total, or 11.9% a year, through Oct 2026 with dividends reinvested. The share price alone rose 298%.
How much of RY's return came from dividends?
About 36% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $32,203 better off on a $10,000 start.
What was RY's worst year?
2008, at -39.3% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -50.8%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend 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.