SPY Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in SPY ten years ago, at the end of Oct 2016, was worth $41,633 at the end of Oct 2026 with every distribution reinvested: 15.3% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $72,756 reinvested (11.1% a year), or $57,779 taking the distributions as cash, $6,092 of it paid out along the way.
SPY became
$72,756
S&P 500: $72,756
Return a year
11.1%
S&P 500: 11.1%
Payouts reinvested
$7,644
bought more shares
Worst drop
-48.2%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | SPY total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +11.7% | $537 | +11.7% |
| 2025 | +17.7% | $702 | +17.7% |
| 2024 | +24.9% | $666 | +24.9% |
| 2023 | +26.2% | $615 | +26.2% |
| 2022 | −18.2% | $570 | −18.2% |
| 2021 | +28.7% | $517 | +28.7% |
| 2020 | +18.3% | $516 | +18.3% |
| 2019 | +31.2% | $487 | +31.2% |
| 2018 | −4.6% | $429 | −4.6% |
| 2017 | +21.7% | $402 | +21.7% |
| 2016 | +12.0% | $374 | +12.0% |
| 2015 | +1.2% | $331 | +1.2% |
| 2014 | +13.5% | $301 | +13.5% |
| 2013 | +32.3% | $261 | +32.3% |
| 2012 | +16.0% | $236 | +16.0% |
| 2011 | +1.9% | $193 | +1.9% |
| 2010 | +15.1% | $164 | +15.1% |
| 2009 | +26.4% | $156 | +26.4% |
| 2008 | −36.8% | $187 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: SPY total return
Data as of · Source: SmarterDividends data
- $10,000 invested in SPY at the end of Dec 2007, with distributions reinvested, was worth $72,756 at the end of Oct 2026: 11.1% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, SPY turned $10,000 into $41,633 with distributions reinvested, 15.3% a year.
- Over the 5 years to Oct 2026, SPY returned 12.0% a year with distributions reinvested (S&P 500: 12.0%).
- Taking SPY's distributions as cash instead of reinvesting them, the same $10,000 ended at $57,779, including $6,092 of cash received; reinvesting added $14,977.
- SPY's best calendar year in that time was 2013 (32.3%) and its worst 2008 (-36.8%), with distributions reinvested.
Cite this page
SmarterDividends, "SPY Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/SPY/total-return
SPY total return questions
If I invested $10,000 in SPY 10 years ago, how much would I have?
About $41,633 at the end of Oct 2026, with every distribution reinvested: 15.3% a year. Taking them as cash, you'd have shares worth $35,555 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is SPY's total return since Dec 2007?
628% in total, or 11.1% a year, through Oct 2026 with distributions reinvested. The share price alone rose 417%.
How much of SPY's return came from distributions?
About 18% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $14,977 better off on a $10,000 start.
What was SPY's worst year?
2008, at -36.8% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -48.2%.
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.